Health lifestyle guide
Health Insurance for seniors
Waiting periods
Available where there is a break in cover of 59 days or less. Waiting periods apply for services not currently covered, services with higher benefits, where waiting periods haven’t been fully served, or where you select a lower excess. Any benefit limits already used with your current fund will apply to your Suncorp Health Insurance policy.
Prioritise your health at any age
There’s more to life than worrying about your health as you get older. With private health insurance, you can rest easy knowing you have access to quality healthcare when you need it.
As well as taking the worry out of getting the best care — and being able to pay for it if you need to go to hospital — you can be covered for the regular services you use to keep your health in check, like a dental check-up or a visit to your chiro.
Suncorp Health Insurance will even take the stress out of switching by doing the paperwork for you. Plus, if you’re switching from a policy that has an equivalent cover or a higher level of benefits, you won’t have to re-serve any waiting periods. You can chat about which cover might be right for you by calling one of our dedicated specialists on 13 11 55.
Flexible health cover for seniors
This is just a summary. Waiting periods apply. For full details about what is and isn’t covered, read the Policy Booklet. It's dry, we know, but it's essential reading. **Residents of QLD and TAS have ambulance services provided by their State Ambulance Schemes.
Healthy cover for a healthy life
Staying active can help you enjoy your older years. Whether it’s walking, hiking or yoga, working out what’s best for you can be the key to maintaining a healthy lifestyle.
However, planning ahead for your health and unexpected hurdles is important at any stage of life. That’s where private health insurance can help. Comprehensive cover like Gold Hospital and Top Extras can help keep you moving throughout your later years.
Flexible health cover for seniors
When opting for seniors’ health insurance, reliability and flexibility are probably things you value. With Suncorp Health Insurance you’ll also enjoy:
Security
You can stress less knowing you could be covered for things like emergency hospital stays and more, depending on your policy. Plus, your cover can start immediately with no waiting periods if you’ve already served them under a previous comparable policy.
Convenience
If you’re thinking about making the switch from another insurer, we can help you with the process and answer your questions along the way. If you’ve got a question or need some assistance, we’re here to help. Speak to one of our specialists over the phone by calling 13 11 55.
Joint health and rehab
Even if you’re fit and active, age can still take a toll on your joints. After you’ve served out any standard waiting periods, Suncorp Health Insurance Gold Hospital Cover*** lets you claim on services related to joint replacements and rehabilitation after surgery.
Flexible excess
When you sign up to Gold Hospital you can set your excess cost at either $500 or $750.
*Waiting periods and limits apply.
***Make sure you read your Policy Booklet for full details and requirements of switching from another insurer.
Suncorp Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib), a registered private health insurer, and is marketed by Platform CoVentures Pty Ltd ABN 82 626 829 623 (PC), a Suncorp Group company. PC is an authorised agent of nib and receives commission from nib. Read the policy booklet before buying this insurance.
Waiting periods
Available where there is a break in cover of 59 days or less. Waiting periods apply for services not currently covered, services with higher benefits, where waiting periods haven’t been fully served, or where you select a lower excess. Any benefit limits already used with your current fund will apply to your Suncorp Health Insurance policy.
Medicare Levy Surcharge
The Medicare Levy Surcharge (MLS) is a government tax on top of the normal Medicare Levy and impacts singles with a taxable income of over $93,000 or families (including couples and single-parents) with a taxable income of over $186,000 who don’t have an appropriate level of private hospital insurance for the full financial year.
Holding any AAMI Health Insurance Hospital Cover product means you won’t pay the MLS if your income is above the government threshold and you maintain your hospital cover for the full financial year.
Read the Suncorp Health Insurance Policy Booklet for more information.
Visit the ATO for more information.
