Benefits of family private health insurance
Similarly to an individual medical plan, a family private health insurance policy usually includes cover for inpatient and day-patient treatment, cancer cover and a range of optional benefits such as outpatient cover, mental health care or alternative therapies. Furthermore, family health insurance comes with some additional benefits and features that can help you take better care of your loved ones should they fall ill.
Pregnancy complications
A miscarriage or a birth complication can be an emotionally intense experience for a family. Some family health insurance plans provide cover in case of pregnancy complications including loss of pregnancy or emergency Caesarean sections . A waiting period may apply after the start of your policy before you can take advantage of this benefit.
Newborns added to the policy after birth are covered from day one
You can often add a newborn baby to your family health insurance policy (within a certain time frame) without normally having to provide any medical history. This means that your baby will be covered for any medical conditions after birth (excluding congenital diseases).
With some insurance companies such as Freedom Health Insurance, you will also receive a maternity cash benefit for each child born after your policy’s start date. A qualifying period usually applies.
Adding multiple children to your policy at no extra cost
Some health insurance companies may allow you to add multiple children to your family health insurance policy at no extra cost.
With Freedom Health Insurance, family policies with three or fewer children will only pay for their first child. For our larger families, rest assured that the maximum charge is capped at four children.
Family health insurance can be a more affordable option
A family private health insurance will allow you to cover multiple family members under a single, often more affordable policy rather than having to pay for individual policies for yourself and each dependent.
You can choose to pay for your insurance policy monthly or annually. If you opt to pay annually on your Freedom Health Insurance policy, you can save 6% on your premium.
Cover your children over 18
Many family private health insurance plans will continue to cover your children even after they turn 18. Freedom Health Insurance will cover your children up until their 25th birthday.
Accommodation for a parent when your child is in hospital
When your child is in hospital, being apart from each other can add extra pressure on you and your child. Several family health insurance plans will allow a parent to accompany their child in the hospital and their accommodation cost will be covered by the health insurance policy (age limits may apply).
Home nursing
No matter who in the family needs care, having a family health insurance plan that covers home nursing following your treatment means less time spent in the hospital and more time spent at home with your loved ones.
With our Freedom Elite policy you can get cover for home nursing for up to 13 weeks (terms and conditins apply).
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