What Health Insurance Profile Best Fits You?While not everyone is exactly the same in terms of medical coverage, a reasonably accurate snapshot can be obtained by dividing the population into lifestyle segments. We have identified six different profiles that reflect the majority of the spectrum. Each profile has different expectations of their health insurance cover and so the CANNEX star ratings assigns different importance to fees and features in each profile. We realise that not everyone will slot neatly into one of the categories listed but results, however will be helpful for the bulk of Australians in the following profiles: YOUNG SINGLES:This profile caters to young to middle-aged singles (both male and female) that have no dependents and no impending plans for children. While the average young singles do not consider themselves to be invincible, they are mostly concerned about having a safety net for hospital cover if they ever need it. Dental, optical, chiropractic and physiotherapy cover are also important areas of Extras cover. YOUNG FAMILIES / COUPLES:This profile covers young to middle-aged couples with a young child or children, as well as couples without children. This profile can be seen as growing families but like young singles, they are not yet concerned about cover for hip replacements and multi-focal lenses but are interested in cover for obstetrics and IVF, dental, optical, physiotherapy and chiropractic. ESTABLISHED FAMILIES:This profile covers mostly middle-aged to mature couples with an older but still dependent child or children. These families have stopped growing in numbers so no longer need cover for obstetrics and IVF. The parents are starting to think about cover they might need for their growing kids such as orthodontics but they are also thinking about other areas of cover they might have ignored when they were younger such as cardio-thoracic surgery. Dental, optical, physiotherapy and chiropractic cover is also important. YOUNG SINGLE PARENTS:This profile covers single young to middle-aged adults with a dependent child or children. These families for the purpose of our star ratings will be considered to have stopped growing and so cover for obstetrics and IVF are not that important. Being young to middle-aged, this profile is not yet concerned about cover for hip replacements and multi-focal lenses but are interested in having a basic safety net hospital cover as well as dental, optical, physiotherapy and chiropractic. MATURE SINGLES:This profile caters to mature singles (both male and female) that no longer have or never had dependent children. We did not wish to draw a finite line as far as the age where maturity begins but this profile is now more concerned with areas of cover such as cardio-thoracic surgery, hip replacements or multi-focal lenses. Due to the natural processes of aging their health insurance requirements differ from that of young singles. Dental, optical, chiropractic and physiotherapy are also important areas of Extras cover. MATURE COUPLES:This profile caters to mature couples that no longer have or never had dependent children. This profile is more concerned with areas of cover such as cardio-thoracic surgery, hip replacements or multi-focal lenses. Due to the natural processes of aging their health insurance requirements differ from that of young singles. Dental, optical, chiropractic and physiotherapy are also important areas of Extras cover.Health Insurance homepage ... View all articles ... |
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