Phil Thompson

speaker

1,592 appearances 4 recordings 3 series first heard Apr 2026 last heard 25 Aug

Phil Thompson’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 4 in all, peaking in Aug 2026 with 1.

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She's On The Money · Personal Insurance & Chronic Illness: What’s Included & What’s Changed? · 25 Aug 2026 podcast

than me.

So in terms of your personal insurance cover, no, nothing changes.

Your personal insurance cover is a contract.

So NDIS changes, that may lead to more claims when it comes to that insurance.

Um so you know, that won't have an issue um with with any enforced policy.

Yeah, for sure.

Oh exactly.

And and you know, sometimes it's it's standard rates, so no exclusion, but most times it is exclusions, you know.

The higher claims rates is meaning that insurers are getting more conservative.

And and over the I've I've specialized in insurance over six years and it's getting worse and worse and worse in terms of when setting up a policy.

That doesn't mean you shouldn't be getting a policy.

It actually means get a policy earlier.

Yeah.

Th as early as possible.

And so it is super important that you can get policies in place even if you've been seeking treatment, even if you've you're taking ongoing medication.

So coming back to the contract, it isn't enough.

So as mental health, that legal advice I talked about earlier said that they can't blanket rule out mental health, but they can limit claims on mental health.

And that's where I think the trend will be going.

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