Guest post: Maintaining your wellbeing through your health insurance

Maintaining your wellbeing through your health insurance - Ever-changing Life of a Mum

*This post is sponsored by Health Insurance Comparison

At the start of each year, many of us set goals, resolutions, intentions to get fit, eat healthily, care for our bodies and improve our overall wellbeing. But it doesn’t take long for those ideas to slip away after the holiday season comes to an end and we return to the busyness of life.

One way to kick start … or re-kick start … your intentions may be to check what your health insurance offers in way of wellbeing options. You may find that the cost of those yoga classes, acupuncture sessions, massages or visits to a nutritionist are actually covered in your premiums! How good would that be?!

I asked one of my blog’s sponsors, Sally from Health Insurance Comparison, to provide some advice on what may potentially be covered in your Extras as part of a wellbeing option on your health insurance – you may be surprised!

{Guest post} Health and wellbeing: how your health insurance could help

Too often, our mental health and wellbeing is put on the backburner while the rest of the family takes priority and helping yourself becomes a forgotten priority. With a New Year in full swing, it’s not too late to make a resolution to take better care of your wellbeing.

If you have Extras health insurance, you may already have benefits for some of the services that could be invaluable for good health and wellbeing. Many people aren’t aware that this is the case and that they are not currently taking advantage of everything that their policy may offer for improving mental health and wellbeing. Things like yoga, Pilates and complementary therapies can be perfect for this and many health funds do cover them in some capacity so it’s definitely worth checking your policy to see whether you can get more out of your policy and help to maintain positive wellbeing.

Yoga and Pilates

Activities like yoga and Pilates can be great for stress busting, as well as the obvious benefits for toning muscles and improving flexibility. They can sometimes be found under ‘Living Well’ or ‘Healthy Living’ Extras benefits. Depending on the health fund, they can sometimes be included with complementary therapies, which will potentially impact on how many times you can access yoga/Pilates classes without risking out of pocket expenses.

Complementary therapies

Complementary therapies are largely about improving wellbeing through non conventional or ‘alternative’ types of therapy.  Aromatherapy oils are thought to have certain therapeutic properties for better health while acupuncture and shiatsu are based on the idea of rebalancing the body’s energy, for example.

The exact definition of ‘complementary’ therapies (also known as ‘natural’ or ‘alternative’ therapies on some Extras policies) varies from insurer to insurer. Some will just cover popular therapies such as aromatherapy and acupuncture while others will be much broader and extend to naturopathy, homeopathy, exercise physiology and Chinese herbalism.

‘Massage’ can be a broad term that incorporates therapies such as aromatherapy, reflexology, shiatsu and remedial massage. If you’re wanting more than one of these, bear in mind that the annual limit may be split across them all and this will obviously reduce the number of times that you can access them without incurring out of pocket costs.

Some health funds will allow you to use any qualified practitioner of your choice but this won’t always be the case. You may be obliged to use practitioners that are recognised and approved by your health fund to be eligible to make a claim so this is something to think about when accessing complementary therapy services.

Generally speaking, most health funds have a two month waiting period for complementary/alternative/natural therapies.

Nutrition/dietetics

Some health funds include nutrition/dietetics advice on Extras cover, and this will sometimes be available on higher level policies. This involves consulting with qualified nutritionists or dieticians on how food impacts on health and wellbeing, and can be particularly helpful for people with food allergies or intolerances that are affecting physical and emotional health. It’s usually the case that health funds will only cover consultations, and any food items that are recommended as a result of the appointment(s) will not be covered. There is generally a two month waiting period for this type of service.

For more information or to compare health insurance funds, visit Health Insurance Comparison at www.healthinsurancecomparison.com.au

 

12 thoughts on “Guest post: Maintaining your wellbeing through your health insurance

  1. I try and get a remedial massage every 6 weeks (dodgy neck), does wonders for my neck and so relaxing too! Wish it was covered by my private health! It’s great more companies are including it things like yoga and massage – people are healthier and less stressed and takes some of the pressure of the health system.

    • Oh that’s a shame that you’re not covered for remedial massage as it sounds like you’d get good use of it if you were (although you probably wouldn’t be covered for as many sessions as you’re currently having, especially if it’s lumped in with other Extras in terms of what you can claim and you were also accessing those too).

  2. I used Health Insurance Comparison last year and they worked out a great deal for me on my health insurance. I need regular appointments with the osteo, so the consultant was able to work out a plan for me that would ensure I received the best price on services such as osteo and physio 🙂 #teamIBOT

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