Hi finally made up my mind to take this cover
LASIK 3 year wait period is 1 main thing
What else I can make use of to make the best use of $620 per month premium ?
Bupa Ultimate Cover - How to Make Best Use of It?
jrt2020 on 06/07/2019 - 20:25
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Still cheaper to get a rub & tug once a week
Don't think private health insurance will cover that one.
Exactly. So ditch the expensive health cover and pay cash for the rub & tug
There was a today tonight on this one. Some people were claiming it..
@dasher86: Wait, seriously. Holy crap, people were claiming a rub and tug on private health. HAHAHAHAHAHAHAHAHA.
How do you do this? Asking for a friend.
Will your LASIK eye surgery cost more than $22k, as this is what you will outlay whilst waiting to get your surgery? Insurance preys on peace of mind, unless you have plans for using all the ancillary services (e.g. dental, physio, optical, health aids, natural therapies etc) or the hospital service (after a maximum 12 month waiting period), then you won't be making best use of it.
If you're healthy, then you will fall into to the same trap we all fall into, which because we are time poor, means you will probably only regularly claim dental and optical (if you require it) ancillary benefits. The other ancillary benefits are claimed when required or when you have time (e.g. remedial massage). Even if you do use more ancillary benefits, remember the cost for these are not 100% covered, so if you didn't require the service (or were not planning on using it in the first place, but are doing so to get the best value out of your cover) then you are still outlaying money!
The best use of private health insurance comes from the hospital cover, but then if you had a choice, you probably wouldn't want to be in hospital all the time.
/rantLasik costs about $6k, can go a couple of grand in either direction depending where OP is. But that's what I got quoted in Brisbane a few years ago.
Paid $1300 an eye for TRANS-PRK.
Flew interstate to save paying 3 grand an eye.
Get sick?
Kinda surprised how much BUPA costs for Ultimate cover. Assuming $620/month is for 2 adults, and just using QLD and base cover rebate for the exmaple, my health fund only charge $475/month for top cover.
The usual private health sector ripoff as brain dead consumers lose more money than ever.
If you want lasik immediately cancel that cover if its possible and Book a flight to India, It costs 50k INR roughly 1k aud + $600-900 flight + $200-500 for one week stay or more. Buy a cheaper cover after this depending on your needs. Get dental check up aswell while you are there for cheap.
I think when it comes to your eyes staying local is wise, it’s the sort of thing you don’t want it be ******* up
For the record Poland is even cheaper
Yeah just an alternative if he wanted that immediately for cheaper price.
Why would you assume local is better? Just because it's expensive doesn't warrent it to be better. India has a huge population and do way more surgeries than Australia combined, making it much more reliable to get it done there than here.
i'm not assuming its better, but given you know your local country better and live locally you may be better positioned to sue your surgeon if it goes ***s up, or go for follow up post operation if complications arise. Imagine you lose your eye sight in 6 months time after the operation, how easy do you think it would be to fly back to India etc and pursue legal action.
plus i'd not bet my eyes on countries with more likely looser regulations, or ones where i cant verify whether their qualifications are genuine or not just printed out of a fake website.
i would probably say the same if i was Indian and it was cheaper here
and your statement saying India does more surgeries does not equate to it being better quality, that is the most rubbish comment ever.
you are saying
India as 1 billion people and do more surgeries than Iceland with a population of 200k (or what ever it is) makes them more reliable, then why is there mortality rate higher.
whats next China makes more cars than japan so a great wall is more reliable than a Toyota.
@Donaldhump: I’ve known so many people who got lasik done in india with 0 issues And never heard of any Sort of complications after it. I was gonna get one myself before coming here but i like to have glasses and my sight is too bad :p
“ where i cant verify whether their qualifications are genuine or not just printed out of a fake website.” LOL sure. If you get it done at top hospitals you dont have to worry about it.
Why would you pursue legal action on a doctor? As far as i know you sign something before surgeries anywhere so that this wont happen. Unless its different here and people can sue anyone for anything.
@GeniusEvil: I wear glasses instead of laser surgery because honestly wearing glasses is not much of a burden and you get used to them. What if your sight changes again? you will need to get glasses or have surgery again. Also wearing glasses protects your eyes from bugs, dirt and other things. Also they make you look more intelligent. Have you seen Final Destination 5?
@freemoneyhunter: Yes, exactly. My sight isn't too bad* sorry for the typo and it has been consistent (-2 on both eyes) for the past 10yrs despite me being in front of the screens at least 6-8hrs a day. I spent thousands on best quality glasses you can find. I have atleast 2-3pairs. If it ever increases again i’ll get the lasik done, thats for sure.
@Donaldhump: What I meant by reliability was the number of operations conducted a year in India vs Australia and the error rate among them. Statistically you would expect better reliability in India as they do way more surgeries and the fail rate would be lower. Both countries use the same procedure and equipment and in some cases India has much more advanced equipment depending where you go to get it done. Also we are not in America where you can sue who ever you like. You sign a disclosure document saying they are not responsible for what ever happens. This is with any surgery in any country.
@DiceySlicey: "Statistically you would expect better reliability in India as they do way more surgeries and the fail rate would be lower"
please explain using statistics, how doing way more surgeries equates to a lower fail rate.
please detail the statistical formula used i.e. hypothesis testing to prove your hypothesis true.
so using your theory of more attempts = a greater success rate, so if i go to slam dunk in my back garden 100 times this afternoon (i am fat , old, and short), i have more chance of dunking than Lebron James who attempts just once.
Malaysian airlines, air Asia etc fly more flights than Rex airlines, yet have crashed more, thus have a higher crash rate, does this dis bunk your theory? your logic is not proven with statistics and is based on nothing but a illogical and flawed though, but as above please provide formulas
please verify
p.s. i think you are getting confused with the more times you try something the more likely you will succeed at least once.
@Donaldhump: You probably need to spell it out to him. We're comparing rates here for reliability.
Reliability = Number of successes/Number of attempts.
@DiceySlicey: "Statistically you would expect better reliability in India as they do way more surgeries and the fail rate would be lower"
India does more of the denominator. The also have more of the numerator. But is the ratio of the two higher?
I have it, my biggest tip is to remember what you are entitled to in regards to the money each year towards any medical gaps I think it’s $200? They don’t apply it automatically you need to ask them too, also if you need anything done go to a members first, I definitely debate every fortnight if it’s worth the money! And the bupa plus discounts come in handy some times
Fix your teeth up? Orthodontics? Podiatry? Massages oh yeah… get pregnant? Sleep related testing, CPAP etc? Dietician consult… I guess it depends on what your cover actually covers. Pretty damn expensive though..
The ultimate cover has a built in unemployment insurance where they will pay the premium for up to 12 months if you are voluntarily unemployed.
Go get lots of massages. That'll help reduce the tension you'll get from paying $620/month