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Speaker 1: It's too early early, truly for white it's too early

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Speaker 1: for this.

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Speaker 2: Oh my god.

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Speaker 1: Well, tomorrow is April Fool's Day and April Fuels.

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Speaker 3: Day, and are we the fools?

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Speaker 1: It's just a it is a joke that this happens

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Speaker 1: on April Fool's Day. It's when private health insurance premiums increase,

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Speaker 1: and this year they're increasing all of us, doesn't matter

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Speaker 1: who you're with, they're going to increase, increasing by an

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Speaker 1: average of four point four to one percent from tomorrow,

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Speaker 1: marking the largest hike since twenty seventeen. So the increase

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Speaker 1: applies to hospital extras ambulance cover, some gold level policies

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Speaker 1: potentially rising much higher. There are some ways to avoid it.

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Speaker 2: And isn't the timing fabulous?

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Speaker 3: Yes, it is.

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Speaker 1: It is absolutely fabulous because things are so cheap at

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Speaker 1: the moment they are just.

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Speaker 2: The prices are just going down everywhere.

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Speaker 1: Yes, when you know an Easter chocolate bunny is only

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Speaker 1: twenty five dollars that it couldn't have come at a

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Speaker 1: better time.

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Speaker 2: Normally I don't go for the cheap chocolate, but this

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Speaker 2: year I'm willing to make an exception. It may lead

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Speaker 2: me to need my private health insurance sooner because you know,

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Speaker 2: the better the quality of the chocolate.

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Speaker 1: The here's some tips for managing the cost of the

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Speaker 1: increase to the health insurance.

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Speaker 3: But not everyone can do this.

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Speaker 1: Many funds, like you know the big ones, HDF, HbF,

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Speaker 1: many bank they allow you to lock in twenty twenty

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Speaker 1: five rates by pre paying for up to eighteen months.

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Speaker 3: But he's got the spare cable exactly. And this is

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Speaker 3: one of those I find.

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Speaker 1: Health insurance is one of those big bills that come

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Speaker 1: out each month. Each month is enough, thank you very

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Speaker 1: much without pre paying a three year and usually.

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Speaker 2: Get an email or a text about leading about a

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Speaker 2: week before. They'll say, just reminding you that your bank

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Speaker 2: balance is about to go down significantly in the next

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Speaker 2: three to five.

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Speaker 1: Days and you've got a big one coming out, Yes,

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Speaker 1: get bigger. Yeah. And so if you want to break

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Speaker 1: a leg or something, make sure that that's covered exactly.

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Speaker 1: You can adjust the excess by choosing a higher X.

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Speaker 1: Choosing a higher excess can lower premium costs.

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Speaker 3: So that's something that's true. Look into that's true.

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Speaker 2: But a lot of people have just I mean a

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Speaker 2: lot of people are just dropping off. Well, yeah, they're

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Speaker 2: just they're just letting it.

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Speaker 1: This is yeah, this is one of the things that

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Speaker 1: has to go in the overall scheme of food.

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Speaker 3: That's right, health insurance.

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Speaker 2: Putting petrol in the car, which I know there's going

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Speaker 2: to be a little bit of help with the excise

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Speaker 2: rent being halved coming up, but that's only temporary, and

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Speaker 2: who knows what happens on the other side of the world,

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Speaker 2: and the price might bump up again.

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Speaker 3: And you know.

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Speaker 1: That they always say, compare policies, compare to go to

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Speaker 1: the meerkat, compare the market. But so you know, when

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Speaker 1: you do that, then you you're back where you started

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Speaker 1: with waiting times and so on.

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Speaker 2: So that seems so because I've had I've had I've

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Speaker 2: had private health insurance for quite some time now, yeah,

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Speaker 2: pretty much all of my adult life, and it is

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Speaker 2: one of those things that I just don't want to

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Speaker 2: let go because you know, we're not getting healthier well

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Speaker 2: as we get older.

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Speaker 1: You know, I just it's hard, Oh, it is hard.

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Speaker 1: It is hard, I think. And also the thing that

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Speaker 1: I definitely wouldn't want to let go as ambulance cover

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Speaker 1: because I would hate to get that bill.

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Speaker 2: I've used that a couple of times. Yeah, and because

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Speaker 2: it's it's an extraordinary amount.

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Speaker 1: It is a huge amount, apparently, and people don't realize

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Speaker 1: until they get that bill post.

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Speaker 2: Use, you're feeling better here, this will fix it.

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Speaker 1: Yet you don't want to be on the side of

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Speaker 1: the road with your leg facing the other way.

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Speaker 3: Say to the say to the ambulance guy. Is that right,

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Speaker 3: I'll get myself there.

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Speaker 2: That's right. It's it is, it's getting it's getting ridiculous.

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Speaker 2: Something I I you know, I got on the phone

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Speaker 2: to the health insurance the other day and asked him, so,

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Speaker 2: how much am I actually going to have to pay?

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Speaker 3: Yeah, big man, you can't afford it.