Health Insurance - Buy Extra Cover and Claim on The Same Day?

• 

  coffeeinmyveins on 03/02/2024 - 22:10

  +2

  You know who would know the answer to this?

  Your health provider

  • 

    Kidaway on 03/02/2024 - 22:45

    unfortunately they're closed now :(

    Will probably opt for Medibank again given that they allow me to transfer back within 90 days./

    • 

      coffeeinmyveins on 04/02/2024 - 10:09

      Tbh the answer will probably be no anyway.

      Thre will be some sort of waiting period or clause to prevent it

• 

  John Kimble on 03/02/2024 - 22:11

  Try and let us know

• 

  bobbified on 04/02/2024 - 01:57

  just wondering if I can buy a new extra coverage today and still claim with under my new health insurance (For extras only)?

  They usually have waiting periods just to prevent people from doing this..

• 

  Trance N Dance on 04/02/2024 - 05:38

  +1

  If you move to another insurer at a similar level of coverage then there's no waiting period. If there's a higher level of coverage you'll have to serve a new waiting period.
  As for 60% rebate, even if you go back to Medibank they'll only pay a percentage even within their preferred provider network anyway. 60% is roughly the norm for most insurers.

  • 

    Shoocat on 04/02/2024 - 09:35

    They also share details between insurers of what you've already claimed in that year, to stop you (in their eyes) double dipping.

    So if you have already claimed $500 on dental from your first policy, that will be deducted from the annual limit on the next policy.

• 

  Kidaway on 04/02/2024 - 11:28

  Thanks guys.

  Yes my dental limit is currently $0 for this year. Just that I downgraded to a cheaper extras at AIA and realised my extras is capped at 60% with AIA while Medibank covers 90%.

  Just signed up on the same Medibank extras (same as the previous one I had) so no waiting period (with 60 days since I left Medibank) hopefully I can claim the expenses I incurred yesterday

  • 

    Trance N Dance on 04/02/2024 - 15:38

    You shouldn't be able to claim the extras you incurred yesterday and Medibank will only pay 90% rebates at their preferred providers, everyone else is fixed at a set amount which is a whole different story…..