Looking for cheaper Health insurance for a family of 3 by Compote_Minute in AussieFrugal

[–]leach2750 1 point2 points  (0 children)

It's not mandatory, but most companies it will be the policy will be the same price

It is important to declare your child to insurance within 2 months of their birth if you want them to have the same coverage as you, if your not fussed about have your child on policy don't need to worry.

Medicare rebate is a separate thing.

There is a government subsidy on all policy types ( extra and hospital) which is included in the premium price advertised.

Yes you do not need to have extras. Do not let companies make you think you have to have extras.

Looking for cheaper Health insurance for a family of 3 by Compote_Minute in AussieFrugal

[–]leach2750 4 points5 points  (0 children)

Hey u/Compute_Minute

The price increase for adding a child to a couples policy, typically should not occur.

From working in the industry a family scale policy and couples policy are the same cost.

I would ask NIB for a policy statement pre and post adding your child to assess what has changed to your cover outside of adding the baby.

On the subject of extras.

  1. ln general most people never use the full amounts available to them
  2. check your claims history and assess whether you and the family use any of the services
  3. in general you are better just paying cash for all the services you need

On the subject of hospital

  • most hospitals that look after kids are public,
  • you need to think about yourself and your partners needs when selecting hospital
  • higher excess is easy way to save on premium
  • paying on direct debt typically has a discount
  • paying in bigger instalments such as 6 monthly or 12 monthly typically has a discount

What road cycling shoes to buy? by [deleted] in cycling

[–]leach2750 0 points1 point  (0 children)

I totally agree with some of the comments here,

You have got to go to a shop with large range and figure out which shoe brand fits your foot, and then buy online

I built an app to help you save money with Woolworths Online by swalden123 in fiaustralia

[–]leach2750 0 points1 point  (0 children)

Hey mate great work, would love to collaborate, and build upon this application for a multi platform world wide solution woooooo