I'll be taking out some kind of insurance soon as I approach the age where community rating will start to penalize me if I don't.
I'd generally subscribe to the notion that I should only insure against really expensive, unlikely events. For everything else I keep a decent emergency fund and insure myself. I generally just want insurance to cover the exotic, urgent or experimental surgery that's not available (or too slow) through the public system. I'll be happy to pay a couple of thousand excess in this unlikely event, and pay out of pocket for everything else.
Based on a very little research, Flex 500 Explore is the best fit I've found so far.
1. Can anybody recommend an alternative?
2. Is there any merit to buying more cover if pregnancy was on the cards in 12-36 months? I imagine we'd be looking for the best possible accommodation/treatment within a public hospital.
Thanks.
I'd generally subscribe to the notion that I should only insure against really expensive, unlikely events. For everything else I keep a decent emergency fund and insure myself. I generally just want insurance to cover the exotic, urgent or experimental surgery that's not available (or too slow) through the public system. I'll be happy to pay a couple of thousand excess in this unlikely event, and pay out of pocket for everything else.
Based on a very little research, Flex 500 Explore is the best fit I've found so far.
1. Can anybody recommend an alternative?
2. Is there any merit to buying more cover if pregnancy was on the cards in 12-36 months? I imagine we'd be looking for the best possible accommodation/treatment within a public hospital.
Thanks.