Transport Health Insurance Review

Transport Health Insurance is not like any other company. The first thing to know is that there are certain aspects you must meet before you can be a member. The most important one is that you or your partner must be employed or contracted by certain transport companies and industries. Judging by their name, Transport Health, it seems it really implies they only offer coverage for people working with transports.

Anyhow, getting into the coverage they offer, there are currently three types.

Hospital Cover Plans

The first type of plan was known as hospital cover. There are several policies that you are able to pick up; Top Cover, Top Cover with Excess, Top Cover with Co-Payment, Healthy Choice Hospital and Basic Hospital. Looking through each of them I really recommend their Top Cover because it includes the most comprehensive features. Benefits include operating theatre, intensive care and even joint replacements. The things that I thought were really important are hospital boarder accommodation and emergency ambulance transportation.

Extra Cover Plans

If for whatever reason you are not looking for hospital coverage, you can also take out Extras only. The plans are only limited to two; Top Extras and Healthy Choice Extras. Simply put, after going through both plans, I found the most comprehensive is their Top Extras plan. I was instantly amazed by all the benefits that are available. They include health appliances, well-being pool, pharmacy, hearing aids and even home surgical nursing. Their limits in my opinion are also pretty high, reaching from a few hundred to several thousand dollars.

Want Both? Get Combined Cover Plans

Lastly, if you have gone through both the hospital and extras plan and don’t know which one to get, or if you decide that you want to get everything to ensure your health is always in top shape, there is also the option to get combined covers. Plans are split between young singles, young couples and families.

How I see it, the advantage of getting a combined cover is that the premiums will be much cheaper, and also because their plans are designed by life states, you can be sure that your policy will include all the features you are likely to need, regardless if you are aware or not aware of them.

When it is time to make a claim, all you have to do is download their claim forms and then send it back to them. I thought it was very easy to do.

Transport Health Insurance has been rated 5 out of 5 by Insurance Reviews.

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