Preventative care

Traditionally, health insurance has been about making sure people can access treatment when something goes. Now, many providers are shifting part of the focus towards prevention. 

In other words: helping people stay healthy, not just recover.

Depending on the policy, this could include things like:

• health assessments
• wellbeing programmes
• discounts on certain healthcare services
• access to tools that support healthy habits.

The thinking behind this approach is simple. Identifying potential health issues earlier can often lead to better outcomes, faster treatment and less invasive care down the track. 

Of course, what’s included – and to what extent - varies widely between providers and policies, so it’s worth getting expert advice to understand what would suit you best.

Mental health support

As mental wellbeing gains greater focus in the healthcare sector, many insurers are responding by expanding the support they offer. 

Depending on the provider and policy, this may include access to:

• counselling services
• wellbeing resources
• online therapy options
• digital mental health tools. 

Some insurers include these features directly within certain policies, while others offer them as optional add-ons or through third-party partnerships. 

If mental wellbeing support is important to you, get in touch. Insurance Link can help you explore what support your policy could include.  

Recovery support after treatment

Treatment is only part of the healthcare journey. Recovery matters just as much. That’s why some health insurance plans now include services designed to support post-treatment recovery.

This may include:

• physiotherapy
• rehabilitation support
• home nursing care
• follow-up appointments
• mental health support following major treatment. 

These benefits can be easy to overlook when comparing policies. But they can make a big difference during physically and emotionally demanding periods.

Overseas treatment

Here’s a benefit many people don’t expect. Some health insurance providers may offer access to:

• international second medical opinions
• overseas treatment options for certain conditions
• support through global healthcare networks
• assistance with travel arrangements
• accommodation for a support person.

Keep in mind that this is not intended to replace travel insurance. Conditions and eligibility criteria are usually quite strict. Still, for eligible customers, it could provide a lot more flexibility and options when it comes to treatment. 

Alternative and complementary treatments

With healthcare becoming broader and more holistic, some insurance providers are taking note. 

Depending on the policy, they may offer cover for:

• acupuncture
• osteopathy
• chiropractic treatment
• other complementary therapies. 

Again, not every policy includes these options. But their growing presence is a sign that healthcare is becoming more personalised.

Like to know more?

Health insurance policies may look one and the same, but they differ significantly in what they include and how much they cover. 

An Insurance Link adviser can help you understand what extra benefits may be available, based on your needs and goals. Get in touch to explore your options. 

Disclaimer: Please note that the content provided in this article is intended as an overview and as general information only. While care is taken to ensure accuracy and reliability, the information provided is subject to continuous change and may not reflect current development or address your situation. Before making any decisions based on the information provided in this article, please use your discretion and seek financial advice. Link Financial Group 2022 Ltd (FSP1004590) holds a licence issued by the Financial Markets Authority to provide financial advice.  

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