Health Insurance can provide you with the option to avoid long surgical waiting lists and to get medical treatment when you need it without undue delays.

Most policies will provide the option to custom design your policy but it is advantageous to work with someone to provide the advice to make sure the policy is right for you.

If you are only concerned about the cost of operations then maybe a hospital only policy is right for you. These policies generally cover surgical and non-surgical hospitalisation, or the expensive stuff.

What about specialists? A ten minute appointment can sometimes cost over $500. Or you may want to avoid unexpected medical costs altogether. In this case you can add cover for General Practitioners, Dentists and Prescriptions.

Modern policies are designed so that you can get the cover that is right for you and your family.