If you're 22-30, you should consider extras-only as well as basic hospital cover. Paying a few hundred dollars a year could end up being cost effective.
Premiums keep getting higher, and there's no sign of insurance getting cheaper. Fortunately, there are a range of health insurance promotions on offer.
Most TPD insurance rejections are based on medical evidence or cover eligibility, but don't lose heart - if your claim is rejected, you have rights of appeal.
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