Finder’s New Financial Year Challenge is here!
Take the challenge to sort out your household bills and save $13,722* over 1 year.
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Finder's New Financial Year Challenge is here to help you crush your money goals!
The rising cost of living continues to hurt our financial wellbeing, with Finder research showing nearly half (48%) are living pay cheque to pay cheque, while 78% of us are stressed with our current financial situation.
The average renter could save potentially $3,810* over a year, while the average homeowner could put a whopping $13,722* back in their pockets each year.
That could cover your next family holiday; create a rainy day fund; go towards the purchase of a car; or help you reach any of your other financial goals.
Keep your financial fitness journey going and save hundreds of dollars.
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I would like to join a health insurance that’s like a car insurance, no matter what car I hit (e.g. Rolls Royce or Hyundai Getz) I pay my excess and both cars are repaired. With health insurance if I have an operation, I pay my excess and I still get bills in the mail to cover a gap no matter if I get the biggest and best cover, can you help?
Hey Steven,
Unfortunately hospital insurance doesn’t have a completely comprehensive option where you’ll never ever have to pay a gap. This is just due to the fundamentals of how health insurance is designed in Australia.
However, the Health Insurance Ombudsman tracks the percentage of procedures each health fund offers with either a ‘known gap’ or ‘no gap option’. No gap is when there is no out of pocket payment, and known gap means you’ll know the gap ahead of time. You can find that information at the Ombudsman’s state of the health funds report – the latest is here. If you can switch to a health fund with the highest no gap percentage (currently that’s HBF) you might find you have less out of pocket costs.
More generally, I’d recommend you call your health fund ahead of any major procedure or hospital admission and get them to confirm your options, and whether there’s a no gap or known gap option for a particular service. You may need to use a medical practitioner that’s part of their network.
Hope that helps!
Tim