Why do you need insurance?
You need insurance in order to provide some financial security against unforeseen circumstances. By paying into an insurance plan regularly, you can ensure that you’ll get more help when you run into a sudden or unexpected event. This is especially important if you have dependents and may be left unable to work for a while.
What types of insurance do people need?
The type of insurance someone needs will depend on their own personal circumstances and it’s worth being thoroughly informed on the topic before choosing the right cover for you.
Life insurance
Life insurance ensures that your loved ones are taken care of if you pass away unexpectedly. Setting up a life insurance plan involves figuring out your debt and your income needs and determining which policy type works best for you. The exact level of coverage you receive will be affected by your medical history, preexisting conditions, demographic information, and lifestyle factors.
Health insurance
Health insurance helps you to pay for medical treatment that you may need after an accident or unexpectedly developing a medical condition. Typically, you get a high level of customisation with health insurance plans, with the freedom to opt for specific extras like dental and physiotherapy appointments. In Australia, you will not be refused health coverage or be charged more based on pre-existing conditions, however you may be required to go through a 12-month waiting period before your insurer will cover you.
Workcover and work compensation
WorkCover WA is the name of Western Australia’s insurance scheme designed to help people deal with any injuries or illnesses they may have sustained on the job. Compensation generally includes lost wages as well as necessary treatment costs.
Helping our patients navigate insurance
Explain the differences between authorities
Authorities to release your information vary, with one authority allowing insurers to request a report from your doctor, and another allowing them to request full medical records and history without curation. We let patients know the differences between these authorities, what this practically means about their medical records, and what each authority allows an insurer to request from us.
Assist patients completing medical information
Patients may not always be sure about details pertaining to their medical information. This can be an issue when they’re filling out an application for an insurance or claim form. We are happy to assist patients in this process and make sure that the medical information provided is accurate and up-to-date.
Providing ongoing medical treatment
Once an insurance claim has been approved for a patient, we are able to provide them with ongoing medical treatment in line with their claim.
Providing medical reports
We are able to provide medical reports upon request for our patients. Additionally, we can provide reports to insurers for insurance claims or applications when authorised by patients.