Private health insurance is designed to cover all or some of the costs of health care and treatment as a private patient in a private hospital. There are two areas that private health insurance will contribute towards: hospital cover and extras cover.
Hospital insurance covers a hospital’s accommodation fees and doctor/surgeon’s charges. This applies when you are a private patient in either a public, private, or day hospital facility. Extras cover helps with the cost of non-medical services such as physiotherapy, dental and optical treatment etc.
Generally, the more extensive the health cover, the greater the premium cost. When choosing your private health insurance, it is important to make sure it suits your particular needs, as well as your budget.