No Health Insurance?

1. Self-Fund Your Surgery (Private Patient)

Many patients choose to proceed as self-funded private patients. This allows you to:

• Select your surgeon
  
• Have your procedure performed in a private hospital
  
• Choose a surgery date that suits your schedule
  

There are three standard fees associated with private surgery:

• The surgeon’s fee
  
• The anaesthetist’s fee
  
• The hospital fee

Our team will provide a detailed quote outlining each of these costs so you can make an informed decision.

2. Join a Health Fund- Recommended

In many cases, it may be more affordable in the long term to take out private health insurance now and plan for surgery after the 12-month waiting period.

Most health funds require a 12-month waiting period for treatment of pre-existing conditions. However, once this period has passed, your private health insurance may cover:

• Most or all of your hospital costs (which are usually the most significant)
  
• A substantial portion of the surgeon’s fee
  
• A substantial portion of the anaesthetist’s fee
  

If you choose this path, please inform us of your join date. We will schedule a follow-up phone consultation with our Practice Nurse around the 12-month mark to reassess your condition. If needed, we may organise a review appointment before scheduling surgery.

Compare health funds here

3. Apply for Compassionate Release of Superannuation

In some circumstances, the Australian Government allows individuals to access their superannuation early to pay for medical treatment.

To be eligible, specific criteria must be met. You can find more information and application details on the Australian Taxation Office website: Eligibility for Compassionate Release of Superannuation