Why do I have to pay a gap when being treated in hospital?
Want to avoid paying out-of-pocket costs? Here's how.
Whether it was from a freak surfing accident, a poorly timed slip or a trampolining injury, we’ve all had a visit to the emergency room. But, even though that knee or shoulder you injured is causing you serious pain, if it’s not life threatening, it could be a while before you get it treated in a public hospital.
Did you know the average wait for a knee replacement in a public hospital is 188 days^?
However, if you have the right level of private health insurance and served your waiting periods and need surgery that’s not deemed ‘emergency treatment’, you won’t have to wait in a public hospital queue – meaning you can get back to work – and play – quicker.
Did you know men born between 1993-1997 are the most likely to present to the ER and require surgery*?
So, we’ve trawled through the most popular baby names† to find out whether you’re at risk of visiting a hospital this year - and if your name’s on this list, it might be time to consider getting private health insurance!
At nib, we believe you should be protected. So our hospital covers include Accidental Injury Benefits, meaning if you’re injured through an accident and visit the ER within 24 hours, you’ll receive benefits in line with our best level of hospital cover if you need to be admitted to hospital at any time during the next 90 days – regardless of the level of hospital cover you have. Thinking you might need health insurance? With nib, you can get a quote online in minutes.
^Elective surgery median waiting times 2015–16 for orthopaedic surgery *Admitted patient care 2013-14 †This data was sourced from Australia’s most popular boy’s names from 1993-1997.