Clearly getting a health insurance plan for your whole household will be more pricey than an individual plan, and based on the kind of product you want you may be requested to disclose everyone's full medical history.
There are numerous types of cover available, and most insurers are flexible enough to let you select which benefits you want based on your budget and the amount of cover you require. A private health insurance plan will cover you for private diagnosis and treatment and will usually allow you to select from a list of private hospitals around the country. This can be modified to include or exclude certain treatments and conditions in order to reduce the cost of the policy.
A cash plan may be a viable option if you are looking to reduce the cost of routine treatments. They allow you to claim back a percentage of the cost of your treatment up to a set limit, with increased limits and percentages available if you think you will need to claim more often. A cash plan will cover physiotherapy, dental work and some other complimentary therapies such as acupuncture and chiropractic treatment.
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