Should I Use My Private Health Insurance In A Public Hospital? 

While bad behaviour and dodgy billing practices remain out of control, it’s just too risky to elect to be a private patient in a public hospital. You could end up with big bills you never saw coming and very little protection once you’ve signed the paperwork.

That said, there are times it might be okay – for example, if you’re a medical admission only (no surgery or procedure involved). In those cases, the out-of-pocket cost risk is generally lower.

And here’s a tip most people don’t know – you can change your mind. Even if you ticked “private” when you were admitted, you can usually go back to being a public patient – a fact the hospital never tells you. If things change you can change your mind at any time before you leave hospital, and it could save you a fortune. I explain what the law says about this in my book.

So, don’t be afraid to speak up if something doesn’t feel right.

I’ve even included two decision trees in my book – one for a planned admission and another for an unplanned one – to help you decide what’s safest for you.

More help and answers in my upcoming book: ‘How to Avoid the Medical Bill Rip off!’