Community Rating
KEY MESSAGES
Private health insurance is community rated, meaning everyone pays the same price for the same policy.
- Private health insurance is unlike other types of insurance, like car insurance, which IS risk rated.
- Health funds are prevented from discriminating against members based on health status, age or claims history.
- For example, a single, healthy 20 year-old and a single, unwell 60 year-old will both pay the same premium for the same cover.
- The community rating means all Australians have equal access to private cover, regardless of health status.
TWEETS
- Health funds are not allowed to charge consumers different prices for the same level of cover. #communityrating
- PHI is community rated, NOT risk-rated. [INSERT PIC: Image: Community Rating 1]
- Your health status does not affect what you pay for private cover. #communityrating #PrivateHealth [INSERT PIC: Image: Community Rating 2]
- Private health cover is based on fairness. All Australians pay the same price for the same policy. #communityrating [INSERT PIC: Image: Community Rating 1]
- PHI is totally different to car insurance. You will not be discriminated against because of your health record. [INSERT PIC: Image: Community Rating 1]
- Our world-class community rated private health system means all Australians have EQUAL ACCESS to the private system. #communityrating #PrivateHealth
- Private health funds are never allowed to refuse private health insurance on the basis of your health. #communityrating [INSERT PIC: Image: Community Rating 2]
- Scaremongering about health funds accessing #MyHealthRecord data demonstrates an astonishing level of ignorance about how PHI operates. PHI is community rated! [INSERT LINK: https://ahcc.neatpreview.com/pha-clarifies-reports-regarding-amas-my-health-record-scaremongering/ ]
- It is illegal for health funds to exclude a member, or alter their premium based on their health status or potential health status. #MyHealthRecord [INSERT LINK: https://ahcc.neatpreview.com/pha-clarifies-reports-regarding-amas-my-health-record-scaremongering/ ]
- Someone who has battled cancer two or three times will pay the same premium for top hospital cover as someone who is healthy. PHI is #communityrated
Reactive tweet – for instances when stakeholders have incorrect perception that PHI is risk-rated.
- PHI is NOT risk-rated. Reports that [details] will mean higher premiums for affected members are incorrect. Health funds don’t discriminate & legally can’t charge more to those with ill-health.
FACEBOOK POSTS
- Private health cover doesn’t discriminate. All Australians pay the same amount for the same policy – whether young or old, sick or healthy. Whether you are 25 or 65 – you never know when ill-health may impact your life. Read 23-year-old Matthew’s story about how being struck down by ulcerative colitis and having his large intestine removed was made more comfortable by having private health cover. [INSERT LINK: https://www.privatehealthpublicbenefit.com.au/2018/05/21/matthews-private-health-cover-supports-his-autoimmune-disease-treatment/]
- Health insurance is not like car insurance. With car insurance your premium is based on your risk factors (your driving record and age). Health insurance is NOT based on risk factors – anyone can get health insurance and your premium is not calculated based on your risk, it is based on what level of cover you want. [INSERT PIC: Image: Community Rating 1]
- Someone who has battled cancer two or three times will pay the same premium for top hospital cover as someone who is healthy. PHI is community rated – meaning everyone pays the same price for the same policy, regardless of your health.
- The PHI system of community rating is proof that Australia is still the land of a fair go. Regardless of your age, health status or claims history, you can buy the same policy at the same price.
IMAGE LIBRARY
Click to download these graphics to share on your social media channels
- Community Rating 1: Health insurance in not like car insurance [Insert PIC: Image: Community Rating 1]
- Community Rating 2: Community Rating [Insert PIC: Image: Community Rating 2]
Want to customise these to your fund’s branding? Download the Adobe Indesign files here:
- Community Rating 1: https://ahcc.neatpreview.com/wp-content/uploads/community-rating-one-generic.indd
- Community Rating 2: https://ahcc.neatpreview.com/wp-content/uploads/community-rating-two-generic.indd