Owen Rascovich

I won't ask you who on air, but who you go with, but that's all right.

We'll talk about that later.

Health insurance.

So most people are familiar with health insurance and it generally pops up around April every year.

You always see really expensive ads put on the TV.

Some of them look like little rats or ferrets that pop up on the TV and then there's one that looks like a creepy dude that's talking about insurance.

Okay, health insurance.

it's important to know the two different things that go into it.

There's extras and then there's what we call hospital cover.

Most people don't know that they're two separate things and you don't have to have, you can have one and not the other and you can have one from, you could have one of each from a different health insurer.

So hospital obviously covers you for when you go to hospital and you have an emergency.

That's right.

Well, this is the thing, right?

Most of them, if you're listening to this and you're in New South Wales, you will have a different type of ambulance cover to what you have here in Victoria or if you're in WA.

So some...

this is where it's like yeah it makes it confusing oh and the rules the changes oh my god anyway so i'm going to be real quick with this and we might do a full episode of this later on down the track but hospital covers you for emergencies most of them right there are minimum standards that they have to adhere to but there are a hell of a lot of asterisks when it comes to the levels of cover so you can get like low medium high type of cover right yeah and

And sometimes if you're the type of person that has health insurance, it pays to go for the more expensive option.

And I mean that, like it pays to go with the more expensive option.

There's an emphasis there in my voice.

Some of these big names are also some of the worst.