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Do you need private cover?

If you are not sure you want private health insurance, the decision tree below may help you decide. "Members of your family" means you, your spouse and any dependent children you would include in your private cover. If you need help with any of the terms used please click here to check our Glossary.

Do you have a personal taxable income, including fringe benefits and family trust payments, of $73,000 a year or more? NO	YES	You are liable for an extra 1% Medicare Levy Surcharge on your tax so, by having suitable private hospital cover you can save at least $730 a year in tax.
Do you and your spouse have total personal taxable incomes, including fringe benefits and family trust payments, totalling $146,000 a year or more? NO	YES	You and your spouse are liable for an extra 1% Medicare Levy Surcharge on your tax so, by having suitable private hospital cover you can save at least $1,460 a year in tax.
Are you over 30 years of age and born after 1 July 1934? NO	YES	Each year you delay starting private hospital cover, your premium rate increases by 2% up to a maximum loading of 70%.
If someone in your family has to go to hospital, do you want to be able to choose where they go?	YES	People who rely on Medicare alone are restricted to public (government funded) hospitals.
NO
If someone in your family needs hospital tests or surgery, for something that is painful or disabling but not a life-threatening emergency, do you mind them going on a waiting list?	YES	People who rely on Medicare alone have to wait their turn for treatment, sometimes for weeks or months.
NO
If someone in your family has to go to hospital do you want to choose the doctors who treat them?	YES	People who rely on Medicare alone have no right to choose the doctors who treat them.
NO
Are there any situations when a member of your family would want to use a private hospital, or avoid waiting or want their own obstetrician, surgeon, anaesthetist or other specialist?	YES	You can pay for private hospitals and doctors directly if you wish. If you use private health insurance, you can get a government rebate of at least 30% on your premiums.
NO
Does anyone in your family have dental checkups, attend a chiropractor or physiotherapist, use contact lenses or glasses, have regular prescriptions or incur other private health care costs?	YES	You can pay for private health care costs directly if you wish, or you can use private health insurance and get a 30% government rebate on your premiums.
NO
You have no immediate reason to take out private health insurance except for the sense of comfort it can provide, but check it out again if your circumstances change.