Private Health Insurance is one of the best ways to ensure that your health is in the best hands!  Funnily enough though, a lot of Australians aren’t really aware of the reasons behind purchasing Private Health Insurance.

The majority of Australians have some insurance (usually house and car) and have a fairly good idea of why they have it.

However only about half of Australians are purchasing health insurance to cover themselves for the most important thing that they own – their own bodies!   Why is this so?

Firstly, the public hospital system is paid by all Australian citizens through taxes, and this may seem like a sufficient amount of cover.

Secondly, a lot of people don’t really understand what private health insurance is and what the real benefits are.

Everybody knows the keys to staying fit and healthy: eating right and getting adequate exercise.  But what happens when all that exercise turns into an injury?  Health also refers to strains, breaks and tears, something that consistent apple eating won’t fix.

In this industry, we often hear people say “I exercise every day, play football during the week and I am fit and healthy so why would I need private health insurance?”

That isn’t a bad question!  Why would you need health insurance if you are fit and healthy?  Seems almost contradictory to be paying for something you already have, right?

One of the best features about exercise and sport is that it can be very entertaining.  Its worst feature though, is that it does increase the risk of picking up an injury.

Exercising daily is a great way to keep fit and reduce the risk of potential health risks (and I recommend it!), but one does need to be realistic about the potential injury risks.

Private Health Insurance during times of injury can be your best friend.  For one, there are great Extras benefits on offer which can offer great member benefits towards things like physiotherapy or chiropractic visits.

Private Health Insurance can also take care of specific health needs to get you back on your feet again fast.  Specific procedures such as a knee reconstruction can be taken care of by your health insurer when you need it, rather than having to wait months, even years to have the procedure done in the public system.

Sometimes we can only think about relatively healthy life at present and forget about exactly what the purpose of health insurance actually is.  In the end.  Health insurance is available to cover everyone for when things are going well, and when things aren’t going well; it’s your ‘just in case’ insurance.

Phoenix Health Fund knows all about the ‘just in cases’ and that’s the main reason why they exist!  If your holistic Health is something that you cherish, take a serious look at what Phoenix Health Fund can offer you.