I'm thinking of changing our health insurance policy to something a little more affordable.
So far as I can see, the main benefit of having private health insurance is "jumping the queue" when it comes to seeing a consultant or getting a procedure. Do all health insurance policies facilitate these shorter waiting times, or are some policies better than others at doing this?
We have 2 adults and 3 children on the policy.
Our current policy is with Laya Healthcare (Essential), and I am inclined to stick with them, albeit on a cheaper policy - maybe to Essential Secure, Company Health or Essential Value 500.
Our existing plan has partial coverage for cardiac, special and other procedures in The Blackrock Clinic, the Mater Private and the Beacon Clinic. Do these hospitals provide treatments that cannot be provided by other private hospitals, or even public hospitals? And does anyone know what these treatments are?
If there is some pertinent information I should provide let me know.