Hands up who has private health insurance and understands how their fund works? I have it (to avoid the extra government slug if I don’t) and I hate it. I have no idea how it all works. I’ve just pared back the coverage because I was getting little benefit from the hefty (and ever-increasing) premiums I was paying… the plan I was on had various extras that made it totally impossible to understand, let alone be able to claim all that was owing.
When I changed it the guy on the phone said there was up to $900 of benefits sitting in my account unclaimed; that it could be claimed to cover recent dental costs. I had no idea. Why didn’t they just pay that as part of the claim when I was at the dentist, rather than waiting for me to realise, then go claim it separately?
Or maybe they hoped I’d never find out, just like the new 30% tax rebate on child care that I just found out about. (Yeah, good luck finding all the receipts going back to July 2004.)