What cheap hospital health insurance plan for couples includes physio cover?

Hospital cover could include physio

When ‘physio’ and ‘health cover’ are mentioned in the same sentence, it is usually around extras cover. Extras cover provides benefits for treatments and services you usually don’t go to hospital for, like physio, dental and chiro. These services are also often not covered by Medicare, so having extras health cover can help prevent you from having to pay full price for often expensive treatments. But physio can also be an important part of hospital care and of cheap couples hospital cover. Most hospital wards have a team of physiotherapists who help patients being treated for a range of conditions. They can be important as part of a care or recovery plan for a number of illnesses and injuries in either public or private hospitals.

* The price shown is per week and applies to a {LIFESTAGE} living in VIC with a $500 excess. It excludes LHC loading and includes a Base Tier Government Rebate

They can also play a role in rehabilitation and in geriatric and children wards. When it comes to treatments, physio treatment generally falls into three main areas – musculoskeletal, neurological and what’s called cardiothoracic, or heart and lung illnesses. These treatments are available as outpatients, but they can also be offered as part of inpatient treatment, which is where cheap couples hospital cover could comes in. Finding the best cheap couples hospital cover could ensure you are covered for physio cover if you need it as part of your hospital admission.

There are plenty of options

The great thing about looking for cheap couples hospital cover is there are a lot of options. At Frank we believe in a few basic things when it comes to health cover – it should be simple, it should be affordable and there should be plenty of choice. Our four hospital covers offer just that. They will all cover you for physio treatment if it is needed as part of your admission, as long you receive it as an inpatient at a hospital. Our Best Hospital cover will give you all the bells and whistles expected of a top cover. The next level down is our Better Hospital (no Co-payment) cover, which is a good option if you want a cheap couples hospital cover with a few exclusions to keep the costs down. If you are after a cheap couples hospital cover and you aren’t hung up on star treatments, then our Basic Hospital and Basic Hospital (Some Private) might be up your alley. Both policies offer cover as a private patient if you are admitted to a public hospital, with Basic Hospital (Some Private) doing as it sounds, offering cover for selected common procedures and treatments in a private hospital.

Taking out cheap couples hospital cover could help you avoid public hospital waiting lists, if you choose a policy that covers you for admission to a private hospital. You can also pick the doctor or specialist of your choice if you choose a private hospital cover. Having your partner back on their feet sooner rather than later is always a good option to consider. However, if you choose a policy that covers you in a public hospital as a private patient, you won’t be able to avoid public hospital waiting lists and can only pick your own doctor if they agree to treat you in the public hospital.

Another great thing about cheap couples hospital cover is it is easy to upgrade or change. If you decide you might want children in the medium term, then upgrading to a family cover will not cost anything, all things being the same. The earlier you can get family cover the better, given the 12 month waiting period for pregnancy covers. So, when it comes to cheap couples hospital cover we are a great place to start. But finding the best cover for you might also include extras cover. We have two health cover bundles that have physio as an included service. Our two extras covers can give you both flexibility and simplicity and allow you to find the best health options for you and your partner.

So, which one to choose?

Given cheap couples hospital cover can be attractive, finding the best one can be tough. But there are a couple of quick tips that can help you choose the best one for you. Start with your budget and what you can afford. Ask yourself whether you are prepared to pay for peace of mind and whether a comprehensive hospital cover is important. Australia’s public health system is world-class, but cheap couples hospital cover can give you extra flexibility. Speak with your doctor about what health services they think you might need in the coming years, and work out how that fits in with any health covers. Discussing any family health history with your doctor can help you make more educated decisions. If you are a sporty person, or play organised sport, then having a hospital cover that can see you avoid public hospital waiting lists for elective surgery might be worthwhile. 

Get 1 month free + skip 2 & 6 month waits on extras* when you join on combined cover by March 31.

*For new members (if you have been a Frank Health Insurance member in the last 12 months, sorry you don’t qualify). Must pay first month to receive second month free. 12 month waits, annual and sub limits apply. Offer ends 31 March, 2018.