Owen Rascovich

right so you'll have limits within limits within limits with some of them so you know you might be just you might have fine print a fine pin of a fine print yeah so my advice is to really look around shop around and actually just take a moment to read what you're covered for and call them even i'm like i consider myself pretty finite like i'm pretty literate when it comes to stuff but just call them and ask them

If I get cancer, will this cover me?

Ask them.

Or if it's not an emergency and I have something wrong with my knee, will I get cover?

What's the pre-existing conditions rule?

So generally when you switch health insurers, whatever level of cover you're on can be carried over instantly to the other health insurer.

But if you change the policy in any way,

you might find that you have to serve waiting periods.

And waiting periods are effectively times that you have to serve before you can claim on it.

Now, extras cover is the cover that you get for things that are like out of hospital.

That's right.

And once again, you don't have to have the same hospital and extras policy.

You can have them split up.

You could go with the best hospital cover and then get a lower level of extras.

It's just that the health insurers like you to get it together because they can make more money from you.

Of course.

And one of the things that you'll notice is that

Often the names that you least expect have the best type of extras cover.

So choice, the website choice characterizes extras cover as budget management.

So a lot of people have done studies to find that if you just put money aside, you're probably better off than actually taking the extras cover.