{"id":2032,"date":"2026-10-30T13:05:52","date_gmt":"2026-10-30T03:05:52","guid":{"rendered":"https:\/\/www.injurycheck.info\/help-support\/private-health-insurance\/"},"modified":"2026-10-30T13:34:02","modified_gmt":"2026-10-30T03:34:02","slug":"private-health-insurance","status":"publish","type":"page","link":"https:\/\/www.injurycheck.info\/ms\/help-support\/private-health-insurance\/","title":{"rendered":"Insurans kesihatan swasta dan tuntutan kecederaan"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"2032\" class=\"elementor elementor-2032\">\n\t\t\t\t<div class=\"has_eae_slider elementor-element elementor-element-a116992 e-con-full e-flex e-con e-parent\" data-eae-slider=\"52852\" data-id=\"a116992\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b116992 elementor-widget elementor-widget-html\" data-id=\"b116992\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\n.ic-h{font-family:Arial,Helvetica,sans-serif;color:#e6e6e6;max-width:900px;margin:0 auto;padding:40px 16px 56px;font-size:17px;line-height:1.65}\n.ic-h *{box-sizing:border-box}\n.ic-h h1{font-size:clamp(28px,5vw,40px);line-height:1.2;margin:0 0 14px;text-align:center;color:#fff}\n.ic-h .ic-h-intro{font-size:17px;line-height:1.6;color:#d6d6d6;max-width:720px;margin:0 auto 28px;text-align:center}\n.ic-h h2{color:#fff;font-size:24px;line-height:1.3;border-inline-start:5px solid #E31C25;padding-inline-start:12px;margin:36px 0 12px}\n.ic-h p,.ic-h li{color:#e6e6e6}\n.ic-h a{color:#ff6a70}\n.ic-h .ic-h-crumb{font-size:15px;margin:0 0 16px}\n.ic-h .ic-h-meta{font-size:14px;color:#c9c9c9;background:#1b1b1b;border:1px solid #333;border-radius:8px;padding:12px 16px;margin:0 0 8px}\n.ic-h .ic-h-meta strong{color:#fff}\n.ic-h-cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:20px;margin-top:16px}\n.ic-h a.ic-h-card{display:flex;flex-direction:column;background:#fff;border:1px solid #e8e8e8;border-top:4px solid #E31C25;border-radius:10px;box-shadow:0 8px 28px rgba(0,0,0,.08);padding:20px;text-decoration:none}\n.ic-h a.ic-h-card h3{font-size:20px;line-height:1.3;margin:0 0 8px;color:#0b0b0b}\n.ic-h a.ic-h-card p{font-size:15px;line-height:1.55;color:#555;margin:0}\n.ic-h ul{list-style:disc outside!important;margin:0 0 16px!important;padding:0!important;padding-inline-start:1.5em!important}.ic-h ul li{display:list-item!important;list-style:disc outside!important;margin:0 0 6px}.ic-h ul li::marker{color:#E31C25}.ic-h .ic-h-sources li{font-size:15px}\n.ic-h .ic-h-badges{display:flex;flex-wrap:wrap;gap:12px;align-items:center}\n.ic-h .ic-h-badges img{height:48px;width:auto}\n.ic-h-cta{margin:44px auto 0;max-width:720px;background:#0b0d12;border:1px solid #333;color:#fff;border-radius:10px;padding:32px 24px;text-align:center}\n.ic-h-cta h2{color:#fff;font-size:26px;margin:0 0 10px;border:0;padding:0}\n.ic-h-cta p{color:#ddd;font-size:16px;line-height:1.6;margin:0 0 20px}\n.ic-h a.ic-h-btn{display:inline-block;text-decoration:none;font-weight:700;font-size:17px;padding:16px 28px;border-radius:4px;background:#E31C25;color:#fff!important}\n.ic-h a.ic-h-btn:hover{background:#b8141c}\n<\/style><div class=\"ic-h\"><p class=\"ic-h-crumb\"><a href=\"https:\/\/www.injurycheck.info\/ms\/help-support\/\">\u2190 Bantuan &amp; Sokongan<\/a><\/p><h1>Insurans kesihatan swasta dan tuntutan kecederaan<\/h1><p class=\"ic-h-intro\">Insurans kesihatan swasta boleh membantu membayar rawatan yang tidak ditanggung sepenuhnya oleh Medicare. Jika anda juga ada tuntutan CTP atau WorkCover, ada beberapa perkara tambahan yang perlu diketahui.<\/p><p class=\"ic-h-meta\"><strong>Kali terakhir disemak: 30 Oktober 2026<\/strong><br>Maklumat am sahaja, bukan nasihat undang-undang, kewangan atau perubatan. Semak laman web rasmi untuk keadaan anda.<\/p><h2>Cara tuntutan berfungsi<\/h2><p>Perlindungan anda bergantung pada polisi anda. Perlindungan hospital dan perlindungan tambahan (extras) membayar perkara berbeza. Tanya syarikat insurans anda apa yang dilindungi sebelum rawatan.<\/p><h2>Apakah gap?<\/h2><p>Gap ialah jumlah yang anda bayar sendiri. Ia ialah beza antara caj doktor atau hospital dengan jumlah yang dibayar oleh Medicare dan syarikat insurans anda. Minta sebut harga bertulis sebelum rawatan.<\/p><h2>Jika anda juga ada tuntutan CTP atau WorkCover<\/h2><p>Banyak polisi insurans tidak membayar rawatan apabila pampasan mungkin membayarnya. Syarikat insurans anda mungkin bertanya tentang tuntutan anda.<\/p><p>Kadangkala syarikat insurans membayar dahulu. Jika kemudian anda menerima pampasan, syarikat insurans mungkin meminta anda membayar balik wang itu.<\/p><p>CTP (kemalangan kereta): Jika syarikat insurans CTP menolak tuntutan anda, anda mungkin boleh menggunakan Medicare atau insurans kesihatan swasta buat sementara. Kos ini mungkin dibayar balik jika tuntutan diterima kemudian.<\/p><p>WorkCover: WorkCover Queensland boleh membayar kos rawatan yang diluluskan apabila tuntutan diterima. Jika tuntutan tidak diterima, anda mesti membayar kos itu.<\/p><h2>Jika anda ada aduan<\/h2><p>Mula-mula, bercakap dengan syarikat insurans anda. Jika masalah tidak selesai, hubungi Private Health Insurance Ombudsman (Ombudsman insurans kesihatan swasta). Perkhidmatan ini percuma. Telefon <a href=\"tel:1300362072\">1300 362 072<\/a>.<\/p><h2>Sumber<\/h2><ul class=\"ic-h-sources\"><li><a href=\"https:\/\/www.ombudsman.gov.au\/complaints\/private-health-insurance-complaints\" target=\"_blank\" rel=\"noopener\">Aduan insurans kesihatan swasta \u2013 Commonwealth Ombudsman<\/a><\/li><li><a href=\"https:\/\/www.privatehealth.gov.au\/\" target=\"_blank\" rel=\"noopener\">PrivateHealth.gov.au<\/a><\/li><li><a href=\"https:\/\/maic.qld.gov.au\/for-injured-people\/rehabilitation-advice\/\" target=\"_blank\" rel=\"noopener\">Nasihat pemulihan \u2013 MAIC (CTP Queensland)<\/a><\/li><li><a href=\"https:\/\/www.workcoverqld.com.au\/claims-and-payments\/payments\/claiming-for-medical-and-rehabilitation-costs\" target=\"_blank\" rel=\"noopener\">Menuntut kos perubatan dan pemulihan \u2013 WorkCover Queensland<\/a><\/li><\/ul><div class=\"ic-h-cta\"><h2>Cedera dan tidak pasti apa yang perlu dilakukan?<\/h2><p>Gunakan borang pertanyaan percuma kami.<\/p><a class=\"ic-h-btn\" href=\"https:\/\/www.injurycheck.info\/ms\/claims-enquiry-form\/\">Gunakan borang pertanyaan percuma kami<\/a><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>\u2190 Help &amp; Support Private health insurance and injury claims Private health insurance can help pay for treatment that Medicare does not fully cover. If you also have a CTP or WorkCover claim, there are some extra things to know. Last checked: 30 October 2026General information only, not legal, financial or medical advice. Check the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":2029,"menu_order":3,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"class_list":["post-2032","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.injurycheck.info\/ms\/wp-json\/wp\/v2\/pages\/2032","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.injurycheck.info\/ms\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.injurycheck.info\/ms\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.injurycheck.info\/ms\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.injurycheck.info\/ms\/wp-json\/wp\/v2\/comments?post=2032"}],"version-history":[{"count":2,"href":"https:\/\/www.injurycheck.info\/ms\/wp-json\/wp\/v2\/pages\/2032\/revisions"}],"predecessor-version":[{"id":2060,"href":"https:\/\/www.injurycheck.info\/ms\/wp-json\/wp\/v2\/pages\/2032\/revisions\/2060"}],"up":[{"embeddable":true,"href":"https:\/\/www.injurycheck.info\/ms\/wp-json\/wp\/v2\/pages\/2029"}],"wp:attachment":[{"href":"https:\/\/www.injurycheck.info\/ms\/wp-json\/wp\/v2\/media?parent=2032"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}