|While your kids are probably pretty healthy, it's amazing how much they can cost in medical bills for things like braces, sports injuries, optometrists and skin specialists (when teenage acne arrives). There are also costs associated with common health issues such as asthma and eczema, colds, flu and stomach bugs.
These healthcare costs can add up. If you've got a couple of kids, yourself and your partner to take care of, you're often looking at several thousand per year, just for the everyday stuff.
When you start thinking about major health issues it's another story entirely - health costs can run into the hundreds of thousands for illnesses such as cancer where drugs and treatments are expensive, and may not be available through the public health system.
You don't know when or how a health problem might affect you and your family. Health Insurance helps you manage medical expenses and ensures you have immediate access to the best healthcare services when you need them. Health Insurance provides you with more options and may allow you access to services, treatments and drugs that you would otherwise be unable to afford.
You've got options
You can choose a variety of policy types according to your family's budget and needs. Some people choose 'hospital and surgical only' cover, to make sure they're covered for the big things. Others prefer to take a policy that provides doctor, dentist and optometrist cover. Some policies allow you to 'mix and match' covers to suit your personal needs. If you already have health insurance, you should be able to extend your cover to include additional family members.
There are now also cheaper alternatives to traditional health insurance - like health accounts that allow you to choose a variety of plans and benefits aimed at helping you stay healthy and manage your day-to-day medical costs.
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