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Introduction to health insurance
Chances are, that if we pick any newspaper headline during the past 20 years, it's likely to be concerned with starvation in Africa, war in the Middle East, or hospital waiting lists. Despite the world's best intentions, the first two are likely to remain headline news for the next 20 years.
Tweaking health funding (if you can call the recent boost of $200m a tweak) may result in more elective surgery (depending who you believe), but the facts of the matter are that health inflation is rampant and health costs will only continue to sky rocket. Health funding is a challenge that the government won't win. Health insurance is therefore a product worth considering.
What does health insurance provide?
There are essentially three options, which are outlined on the following pages.