Australian Politics Forum - Biggest Rise In Private Health Insurance Premiums.

Dsmithy70

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Re: Biggest Rise In Private Health Insurance Premiums.
Reply #45 - Dec 24^th, 2013 at 12:34pm

longweekend58 wrote on Dec 24^th, 2013 at 12:18pm:

actually that isn't true at all. critical emergencies are not necessarily transferred to public hospitals at all. they are transferred to wherever the skilled staff are at at the time. EXCEPT that public patients don't get transferred to private hospitals because they aren't covered.

and no transfer from anywhere will save someone with a burst cerebral aneurysm. you get 3-5 minutes tops. no longer.

Well I don't know about SA but in NSW no private hospital has emergencies, in fact all have signs telling you to go to the nearest public hospital.
None have surgeons in house unless there for scheduled surgery.

Your friend was EXTREMELY lucky that a neurosurgeon happened to be rostered on.

Now we've discussed personal experience & medical procedures any comment on the fact that premiums are increasing $150 p/year and the effect on COL?

Do you consider this yet another broken promise?

Do you think it's fair premiums have risen 130% but costs less than 50%?

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longweekend58

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Re: Biggest Rise In Private Health Insurance Premiums.
Reply #46 - Dec 24^th, 2013 at 12:52pm

Dsmithy70 wrote on Dec 24^th, 2013 at 12:34pm:

longweekend58 wrote on Dec 24^th, 2013 at 12:18pm:

actually that isn't true at all. critical emergencies are not necessarily transferred to public hospitals at all. they are transferred to wherever the skilled staff are at at the time. EXCEPT that public patients don't get transferred to private hospitals because they aren't covered.

and no transfer from anywhere will save someone with a burst cerebral aneurysm. you get 3-5 minutes tops. no longer.

Well I don't know about SA but in NSW no private hospital has emergencies, in fact all have signs telling you to go to the nearest public hospital.
None have surgeons in house unless there for scheduled surgery.

Your friend was EXTREMELY lucky that a neurosurgeon happened to be rostered on.

Now we've discussed personal experience & medical procedures any comment on the fact that premiums are increasing $150 p/year and the effect on COL?

Do you consider this yet another broken promise?

Do you think it's fair premiums have risen 130% but costs less than 50%?

there is a difference between having emergency depts. and their surgical capacity. In this case, he was admitted to a private hospital unconscious and a neurosurgeon called in for an exploratory procedure at which point it burst.

how is it a broken promise that private health has gone up since it goes up every year at this time?

not sure what you mean by 50% rise in 'costs'. whose costs?

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John Smith

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Re: Biggest Rise In Private Health Insurance Premiums.
Reply #47 - Dec 24^th, 2013 at 1:17pm

Swagman wrote on Dec 24^th, 2013 at 11:29am:

John Smith wrote on Dec 24^th, 2013 at 11:17am:

longweekend58 wrote on Dec 24^th, 2013 at 10:32am:

Ex Dame Pansi wrote on Dec 24^th, 2013 at 8:23am:

woody2014 wrote on Dec 24^th, 2013 at 8:11am:

Ex Dame Pansi wrote on Dec 24^th, 2013 at 8:05am:

It means more people will opt out, putting an even bigger strain on the public health (non) system.

http://www.rottenecards.com/ecards/rottenecard_91615373_mhmsjjwf3g.png

So you would rather the coy's go broke..And put a larger strain on the public system Wink

The health insurance companies will do what they do. It means that those that want to stay in a health fund will continue to face substantial price increases because there will be less customers.

At the moment health insurance is only affordable to middle income earners, like a lot of things that used to be available to everyone but the very impoverished.....electricity is fast becoming a luxury item.

Some essential services should NEVER be privatised.

Now watch the health insurance companies collapse. Keep it affordable or go out of business. They should have learned from the retail sector.

health HASNT been privatised. if you want to pay nothing and go public then that is yoru right. But at the same time, people also have the RIGHT to augment their health cover by paying extra for it. the same argument applies to private education. neither has been privatised

agree ... they should pay extra for it ...... not the taxman

Yes but 'they' also shouldn't have to subsidise every body else that don't pay with the medicare tax.
Angry

you don't think the private system you use claims medicare from the govt?

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John Smith

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Re: Biggest Rise In Private Health Insurance Premiums.
Reply #48 - Dec 24^th, 2013 at 1:21pm

longweekend58 wrote on Dec 24^th, 2013 at 11:42am:

John Smith wrote on Dec 24^th, 2013 at 11:19am:

longweekend58 wrote on Dec 24^th, 2013 at 10:41am:

The aneurysm burst in hospital and he was operated on immediately (literally) saving his life

Bullsh1t ..... if the aneurysm burst while he was in a private hospital the chances are he would have been transferred to a public hospital anyway.

LOL how little you know about medicine. what do you think the time frame for saving the patient is with a burst aneurysm??? 3 minutes!!! they grabbed a neurosurgeon scrubbing up in an adjacent theatre to assist the surgeon because time was of the essence. why are u of this false delusion that public hospitals are the only ones that do brain surgery?

Medicine another of your areas of expertise I take it Grin

I'm not in any sort of false delusion, that would be you ... I said the chances are .... you do understand English don't you?

there are no doctors or surgeons in private hospitals after hours ... you want to pay private health because they MAY be a surgeon available in the next room, go for it. I'd rather save my money.

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John Smith

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Re: Biggest Rise In Private Health Insurance Premiums.
Reply #49 - Dec 24^th, 2013 at 1:25pm

longweekend58 wrote on Dec 24^th, 2013 at 11:44am:

John Smith wrote on Dec 24^th, 2013 at 11:23am:

longweekend58 wrote on Dec 24^th, 2013 at 11:17am:

Ex Dame Pansi wrote on Dec 24^th, 2013 at 10:51am:

longweekend58 wrote on Dec 24^th, 2013 at 10:41am:

a friend of mine was in private health insurance and had an undiagnosed brain aneurysm. The public system would have sent him home because it wasn't 'serious' enough. The aneurysm burst in hospital and he was operated on immediately (literally) saving his life. his recuperations bills topped $300K.

public patient outcome: dead
Private patient outcome: alive

what price insurance?

Sure Dr longweekend

http://4.bp.blogspot.com/-mtQyXBhVvOw/T-cg6F4WYWI/AAAAAAAAAKw/twp-TCAIb7Q/s1600/...

naturally you'd have said that. I had appendicitis - apparently very severe - but I have a condition where my BPR vitals NEVER CHANGE even when I am sick. I could have a heart attack and by blood pressure remains textbook. I have to advise doctors of it all the time. because I had no apparent symptoms other than pain the public system would have sent me home to 'wait and see'. but it burst but because of my private insurance I was in a hospital so I was operated on within 30mins. If I were in the public system it would have taken many many hours if not an entire day by which time I would be poisoned throughout my body. at 35yo I was young enough to survive that but would have been in hospital for a month and off work for a year. 20 years later such an event could actually kill me.

so you wonder why I'm a fan of private insurance?

what a load of rubbish ... the public system deals with thousands of cases of burst appendixes every year?

lucky they all had a private system to fall back on Grin

do u know that a lot of burst appendix KILL the patient?? the very young and very old often don't survive it. and the point was that my private insurance ensure that I was kept in a hospital bed while a public hospital would not have done so. and that meant 3 days in hospital instead of a month with a year long rehabilitation.

no patients die in private hospitals Longy? My brothers appendix burst, he used the public system and was fine. I'm pretty sure he was up and about the following week too.

why wouldn't private hospitals keep you in? At over $3500 a night, there rates are higher than a 6 star hotel. Money for Jam as far as the private hospitals are concerned. Why should my tax dollars pay for that? You want peace of mind, you pay for your own!

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John Smith

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Re: Biggest Rise In Private Health Insurance Premiums.
Reply #50 - Dec 24^th, 2013 at 1:26pm

viewpoint wrote on Dec 24^th, 2013 at 11:51am:

longweekend58 wrote on Dec 24^th, 2013 at 11:42am:

John Smith wrote on Dec 24^th, 2013 at 11:19am:

longweekend58 wrote on Dec 24^th, 2013 at 10:41am:

The aneurysm burst in hospital and he was operated on immediately (literally) saving his life

Bullsh1t ..... if the aneurysm burst while he was in a private hospital the chances are he would have been transferred to a public hospital anyway.

LOL how little you know about medicine. what do you think the time frame for saving the patient is with a burst aneurysm??? 3 minutes!!! they grabbed a neurosurgeon scrubbing up in an adjacent theatre to assist the surgeon because time was of the essence. why are u of this false delusion that public hospitals are the only ones that do brain surgery?

I lost my mother after she had a cerebral aneurysm, she was 57 years of age. LW is right, urgent surgery is vital.

Sorry to hear that ... but unless she happens to be in a hosptial when it bursts, it makes no difference what sort of health cover you have.

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viewpoint Gold Member Offline A joke is a very serious thing. [Winston] Posts: 2209 Gender:	Re: Biggest Rise In Private Health Insurance Premiums. Reply #51 - Dec 24^th, 2013 at 1:36pm I don't disagree, she was in fact in the city (Perth) and although was taken to RPH after collapsing and operated on, she passed away soon after. She had private insurance, but no, no amount of any insurance could have made a difference.
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Ex Dame Pansi

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Re: Biggest Rise In Private Health Insurance Premiums.
Reply #52 - Dec 24^th, 2013 at 1:58pm

longweekend58 wrote on Dec 24^th, 2013 at 11:17am:

Ex Dame Pansi wrote on Dec 24^th, 2013 at 10:51am:

longweekend58 wrote on Dec 24^th, 2013 at 10:41am:

a friend of mine was in private health insurance and had an undiagnosed brain aneurysm. The public system would have sent him home because it wasn't 'serious' enough. The aneurysm burst in hospital and he was operated on immediately (literally) saving his life. his recuperations bills topped $300K.

public patient outcome: dead
Private patient outcome: alive

what price insurance?

Sure Dr longweekend

http://4.bp.blogspot.com/-mtQyXBhVvOw/T-cg6F4WYWI/AAAAAAAAAKw/twp-TCAIb7Q/s1600/...

naturally you'd have said that. I had appendicitis - apparently very severe - but I have a condition where my BPR vitals NEVER CHANGE even when I am sick. I could have a heart attack and by blood pressure remains textbook. I have to advise doctors of it all the time. because I had no apparent symptoms other than pain the public system would have sent me home to 'wait and see'. but it burst but because of my private insurance I was in a hospital so I was operated on within 30mins. If I were in the public system it would have taken many many hours if not an entire day by which time I would be poisoned throughout my body. at 35yo I was young enough to survive that but would have been in hospital for a month and off work for a year. 20 years later such an event could actually kill me.

so you wonder why I'm a fan of private insurance?

You don't know what would have happened IF you had have gone public.

We all hear horror stories about the public system......but

My friend had severe stomach pains, her husband drove her to the public hospital, they scanned her, saw it was inflamed appendix, operated at 9pm and she was released the next day.

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Verge

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Re: Biggest Rise In Private Health Insurance Premiums.
Reply #53 - Dec 24^th, 2013 at 2:10pm

longweekend58 wrote on Dec 24^th, 2013 at 11:44am:

John Smith wrote on Dec 24^th, 2013 at 11:23am:

longweekend58 wrote on Dec 24^th, 2013 at 11:17am:

Ex Dame Pansi wrote on Dec 24^th, 2013 at 10:51am:

longweekend58 wrote on Dec 24^th, 2013 at 10:41am:

a friend of mine was in private health insurance and had an undiagnosed brain aneurysm. The public system would have sent him home because it wasn't 'serious' enough. The aneurysm burst in hospital and he was operated on immediately (literally) saving his life. his recuperations bills topped $300K.

public patient outcome: dead
Private patient outcome: alive

what price insurance?

Sure Dr longweekend

http://4.bp.blogspot.com/-mtQyXBhVvOw/T-cg6F4WYWI/AAAAAAAAAKw/twp-TCAIb7Q/s1600/...

naturally you'd have said that. I had appendicitis - apparently very severe - but I have a condition where my BPR vitals NEVER CHANGE even when I am sick. I could have a heart attack and by blood pressure remains textbook. I have to advise doctors of it all the time. because I had no apparent symptoms other than pain the public system would have sent me home to 'wait and see'. but it burst but because of my private insurance I was in a hospital so I was operated on within 30mins. If I were in the public system it would have taken many many hours if not an entire day by which time I would be poisoned throughout my body. at 35yo I was young enough to survive that but would have been in hospital for a month and off work for a year. 20 years later such an event could actually kill me.

so you wonder why I'm a fan of private insurance?

what a load of rubbish ... the public system deals with thousands of cases of burst appendixes every year?

lucky they all had a private system to fall back on Grin

do u know that a lot of burst appendix KILL the patient?? the very young and very old often don't survive it. and the point was that my private insurance ensure that I was kept in a hospital bed while a public hospital would not have done so. and that meant 3 days in hospital instead of a month with a year long rehabilitation.

My appendix burst unexpectantly last year and I was lucky to survive it. I was in hospital 10 days, public patient, and all was excellent. Treatment was exceptional.

Two weeks ago my daughter had surgery as a public patient through a private hospital, free of charge.

I has surgery on a Sunday two weeks ago to put two screws in my ankle, as a public patient.
Needless to say its been quiet here for the last fortnight in our house.

I cant rate the public system highly enough.

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John Smith Gold Member Offline Australian Politics Posts: 78311 Gender:	Re: Biggest Rise In Private Health Insurance Premiums. Reply #54 - Dec 24^th, 2013 at 2:14pm Verge wrote on Dec 24^th, 2013 at 2:10pm: I cant rate the public system highly enough I agree. had both my kids through the public system and cannot fault a thing. Superb all around.
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adelcrow

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Re: Biggest Rise In Private Health Insurance Premiums.
Reply #55 - Dec 24^th, 2013 at 2:18pm

Private businesses are taking advantage of a sympathetic far right govt to increase the burden on their customers.

Do not forget that every taxpayer whether they have private insurance or not subsidise the multi billion dollar private health insurance industry.

So far since Abbott has risen to power increases due to the falling dollar and businesses gouging their customers have far outweighed the cost of pricing carbon pollution.

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Dsmithy70

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Re: Biggest Rise In Private Health Insurance Premiums.
Reply #56 - Dec 24^th, 2013 at 2:28pm

longweekend58 wrote on Dec 24^th, 2013 at 12:52pm:

there is a difference between having emergency depts. and their surgical capacity. In this case, he was admitted to a private hospital unconscious and a neurosurgeon called in for an exploratory procedure at which point it burst.

Like I said must be different in SA, no unconscious person would be admitted to a private hospital in NSW.
Either travelling by Ambo or private car, they'd be directed to the nearest A&E

longweekend58 wrote on Dec 24^th, 2013 at 12:52pm:

how is it a broken promise that private health has gone up since it goes up every year at this time?

Promised to keep COL down, could have approved a lesser increase instead of the 2nd largest.

longweekend58 wrote on Dec 24^th, 2013 at 12:52pm:

not sure what you mean by 50% rise in 'costs'. whose costs?

well it doesn't say however it is in the quoted article

Quote:

Since 1998, the average health insurance premium has risen by 130 per cent, while overall prices have gone up by less than 50 per cent.

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Bam

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Re: Biggest Rise In Private Health Insurance Premiums.
Reply #57 - Dec 24^th, 2013 at 3:19pm

Swagman wrote on Dec 24^th, 2013 at 10:04am:

I pay private health insurance because the thieving govt want to tax me more if I don't...... despite paying the medicare tax.

This is the Medicare surcharge for high-income earners without private health insurance. Blame Howard and Costello for this, they introduced it.

IMO this surcharge should be abolished. It distorts the market. Bring back personal choice on health insurance.

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red baron

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Re: Biggest Rise In Private Health Insurance Premiums.
Reply #58 - Dec 24^th, 2013 at 3:25pm

I think for many this latest increase will be the straw that breaks the camel's back. A lot of us will be forced to dump our private insurance because we simply will not be able to afford the premiums.

In retirement I have kept private coverage going but I think this may be a 'bridge too far', the well only has so much and everyone from Health to Electricity think it's open season on wager earners.

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Bam

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Re: Biggest Rise In Private Health Insurance Premiums.
Reply #59 - Dec 24^th, 2013 at 3:31pm

viewpoint wrote on Dec 24^th, 2013 at 11:51am:

I lost my mother after she had a cerebral aneurysm, she was 57 years of age. LW is right, urgent surgery is vital.

viewpoint wrote on Dec 24^th, 2013 at 1:36pm:

I don't disagree, she was in fact in the city (Perth) and although was taken to RPH after collapsing and operated on, she passed away soon after. She had private insurance, but no, no amount of any insurance could have made a difference.

My condolences. At Christmas remember to raise a toast: to absent friends and family, in memory ever bright.

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