On April 1 reforms to Private Health Insurance in Australia will
come into effect. If you're living with diabetes it will be
worthwhile contacting your insurer to find out if the reforms will
result in changes to your coverage, particularly if you rely on
them for products such as pumps.
Under the changes, your insurer will be able to reallocate your
existing coverage into one of four tiers: Gold, Silver,
Bronze and Basic. Each of these tiers will have minimum
Other changes coming into effect on April 1 include discounts
for young people (18 to 29), the ability to increase excesses for
lower premiums, and the exclusion of natural therapies from
If you are an existing policy-holder, you will have served
waiting periods for pre-existing conditions that are covered under
your current insurance. Check with your insurer that they will
recognise these completed waiting periods under the new tier
If you have a complaint about your insurer, take it up with them
in the first instance. If it is not resolved, you can contact
the Commonwealth Ombudsman to seek their assistance.
To contact the Ombudsman, visit
and follow the links to Make a Complaint.