In Australia, medical insurance can help you get multiple benefits after an accident. However, it is always wise to subscribe to a private health insurance policy to safeguard yourself and your loved ones from any unforeseen circumstances.
Following an accident, you may have to stay hospitalized for a long period and pay hefty medical bills. It can lead to huge medical expenses and may affect your bank savings.
In recent times, there has been a considerable rise in the cases of road accidents and trauma. Therefore, you must buy a personal accident cover to remain on the safe side.
Benefits of Subscribing to an Insurance Plan in Australia: At A Glance
- Get all your medical expenses reimbursed, including hospitalization charges.
- It will also cover the cost of surgical operations or medical intervention.
- You’ll get full reimbursement for the medicines purchased for curing any wound or injury.
- Plus, all other charges are mentioned in the policy documents.
The Medicare Card or Private Health?
You should know that the Medicare Card facility is available to all Australian citizens. In case you’ve just come to Australia in search of a job, good life, or whatever, getting yourself registered for the Medicare facility may take time. You need to obtain citizenship before you can apply for the same.
Even citizens and others who want to get treated at Australia’s state-of-the-art private hospitals during a health or medical emergency need to subscribe to a private health insurance policy as soon as possible.
If you have purchased health or insurance coverage from a reputed health insurance company, it can help you receive the right and world-class medical treatment in time. It will also help you get all expenses related to trauma care or surgical interference reimbursed or paid through insurance coverage.
How Does Private Health Insurance Coverage Help Accident Victims?
Nobody can predict accidents. Suppose your car collided with another vehicle at least 100 km away from a city; in such a case, you need to shift to a nearby hospital immediately.
Ambulance Facility
The insurance coverage will cover the cost of an ambulance, air Ambulance, and mobile intensive care ambulance, depending upon the type of injuries sustained by you. Here, the insurer would bear all such costs if you have an active health insurance policy.
Cost of Hospitalization
All accidents or trauma cases require hospitalization. The period of hospitalization may involve several weeks or even months, depending upon the gravity of the physical injury sustained.
If it leads to bone-related trauma, you may have to remain in a bed in a hospital for quite a long time. Since the cost of treatment will be very high, your personal savings may not allow you to meet the costs. But when you have subscribed to a health insurance plan, you can meet all the costs without any trouble.
The Cost of the Treatment
Your insurer will also bear the cost of immediate surgical interventions, special instruments for implantation, blood transfusion (if required), costly medicines, surgical equipment, special food supplements, and hospital bed charges.
Post-Surgical Recovery at Home
Convalescence and post-surgery recovery periods may extend by a few weeks or even months. During this period of recovery, you would require regular visits by the doctor, a continued supply of medicines, and food supplements. You may also need a 24-hour attendant to take care of you. If you have already subscribed to a health insurance policy, all such expenses will be covered under it.
In Conclusion
Uncertainties mark your daily outdoor life. For example, you can suffer trauma following a car crash, collision with another vehicle, falling in a roadside ditch, or any such circumstances.
In each of such unforeseen cases, you are likely to be hospitalized. You require special trauma care and surgical interventions. It means you’ll be in a nursing home or hospital for several weeks.
Even after getting released from the trauma care center, you still need special medical care and medicines during your post-surgery period. All these entail huge healthcare expenses. If you don’t have medical insurance, it’ll badly impact your financial savings and resources. In case you don’t have financial backing, you may not be able to meet all these medical expenses. It can put your life in danger. So, it’s highly recommended to subscribe to an active health insurance plan now and stay stress-free.