Private Health Insurance: Access Quality Medical Care
Experience World-Class Private Health Insurance
Are you one of the many who scratch their head when trying to remember who your health insurance provider is? Or worse, fumble through old paperwork searching for the right number to call when you need to make a claim?
At Goodniss, we understand that health insurance shouldn't be a source of stress in itself. That's why we've designed a straightforward and supportive approach to your healthcare needs.
Goodniss brings you peace of mind by partnering with market-leading health insurance providers. This means you gain access to comprehensive coverage and established networks, all under the friendly and accessible Goodniss umbrella. We simplify the process, ensuring you know exactly who your cover is with and providing you with clear, easy-to-find contact information when you need to make a claim.
Whilst Private Health Insurance covers the cost of accessing medical care, please also consider Critical Illness Cover which provides a lump sum payout to you upon diagnosis, offering financial protection should you suffer a severe, specified condition.
Choose Goodniss and experience health insurance that's clear, reliable, and always there for you.
"Richard arranged my health cover with Vitality and has helped me claim a number of times on this plan. Thank you for all your help and hard work."
How does Private Health Insurance work?
A Private Health Plan takes some of the worry out of accessing healthcare. It covers private treatment for new conditions, and includes access to a private GP service.
You can see everything about what is covered or not covered in the information we’ll give you before you buy.
You pay a monthly or yearly cost, and then if you become ill, you can choose to use private healthcare, so long as it’s covered by your plan.
You usually start off by seeing a GP. Then if you need to see a specialist, you can get in touch with us and we’ll walk you through what you’re covered for.
If you choose an option that covers seeing a specialist or having hospital treatment, this will usually be in a private hospital. Your provider can source the specialist and book the appointment for you.
What does Private Health Insurance cover?
Private health insurance covers private treatment for new medical conditions – it’s not designed to cover conditions you already have symptoms of when you join.
The treatment that’s covered will depend on the cover you choose – we offer a range of plans so you can select what matters to you.
For example, you could choose to have cover for:
seeing a specialist for your first visits to discuss diagnosis
inpatient or day patient treatment, including operations, in a private hospital
cancer treatment if you ever get a cancer diagnosis
help with mental health conditions.
You can work out a combination that’s right for you – and choose different combinations for any family members too.
What is NOT Covered by Private Health Insurance?
As with most insurance plans, there will be some things that are not covered. You will be made aware of anything not covered in the information we’ll give you before you buy.
Health Insurance providers will typically not cover:
Chronic Conditions
Pregnancy and Child Birth
Dental & Optical
Treatments, Drugs & Dressings
Cover for Existing Conditions (Acute vs. Chronic)
Most health insurance, from any insurer, is designed to cover new medical conditions, not those you have already. So, your cover for conditions that started before you started your plan will be limited.
Ready to Invest in Your Health? Book Your Free Chat about Private Health Insurance
Book your free, no-obligation chat to see how expert advice can protect your income, family, and assets.
Need Further Advice? Contact Richard Hadley Today
IMPORTANT: Policy Terms, Conditions, and Exclusions
It is crucial to understand that Health Insurance products are subject to specific terms, conditions, and exclusions. These policies are designed to provide access to private medical treatment for new acute conditions, as defined within the policy document. However, they are not a blanket guarantee for all medical needs, and the circumstances under which treatment is covered, the facilities you can use, and the amount you receive are all defined by the policy's fine print.
Before committing to any Health Insurance policy, you must carefully review the Product Disclosure Statement (PDS) or policy document. Pay close attention to:
Definitions: Precisely what constitutes an "acute" condition versus a "chronic" one (as chronic conditions are typically excluded).
Exclusions: Common exclusions include pre-existing medical conditions, chronic conditions, normal pregnancy and childbirth, cosmetic surgery, and often dental and optical treatments (unless added specifically).
Waiting Periods: There may be initial waiting periods before you can claim for certain conditions or treatments.
Network Restrictions: Some policies limit your choice of hospitals or specialists to a specific network.
Benefit Limits & Excesses: Understand any limits on the cost of treatment or the excess you may need to pay.
Failure to understand these terms and exclusions could lead to disappointment and unexpected costs when you most need the protection. If anything is unclear, seek professional advice from a qualified financial advisor to ensure the product meets your individual needs and expectations.