On 1 April 2019 reforms to Private Health Insurance will come
If you're living with diabetes it will be worthwhile contacting
your insurer to understand if the reforms will result in changes to
your coverage, particularly if you rely on them for products such
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 coverage requirements.
Other changes coming into effect on 1 April, 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 be
recognising these waiting periods under the new tier system.
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 the Ombudsman website and follow the links to
Make a Complaint.