On April 1 reforms to Private Health Insurance in Australia came into effect. If you’re living with diabetes, contact your insurer to find out if the reforms changed your coverage, particularly if you rely on them for products such as pumps.

Under the changes, your insurer can reallocate your existing coverage into one of four tiers: Gold, Silver, Bronze and Basic. Each of these tiers have minimum coverage requirements.

Other changes which came 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 extras.

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 recognise completed 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 http://www.ombudsman.gov.au/How-we-can-help/private-health-insurance and follow the links to Make a Complaint.