{"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\/vi\/help-support\/private-health-insurance\/","title":{"rendered":"B\u1ea3o hi\u1ec3m y t\u1ebf t\u01b0 nh\u00e2n v\u00e0 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng ch\u1ea5n th\u01b0\u01a1ng"},"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\/vi\/help-support\/\">\u2190 Tr\u1ee3 gi\u00fap &amp; H\u1ed7 tr\u1ee3<\/a><\/p><h1>B\u1ea3o hi\u1ec3m y t\u1ebf t\u01b0 nh\u00e2n v\u00e0 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng ch\u1ea5n th\u01b0\u01a1ng<\/h1><p class=\"ic-h-intro\">B\u1ea3o hi\u1ec3m y t\u1ebf t\u01b0 nh\u00e2n c\u00f3 th\u1ec3 gi\u00fap tr\u1ea3 ti\u1ec1n \u0111i\u1ec1u tr\u1ecb m\u00e0 Medicare kh\u00f4ng tr\u1ea3 h\u1ebft. N\u1ebfu qu\u00fd v\u1ecb c\u0169ng c\u00f3 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng CTP ho\u1eb7c WorkCover, c\u00f3 th\u00eam v\u00e0i \u0111i\u1ec1u c\u1ea7n bi\u1ebft.<\/p><p class=\"ic-h-meta\"><strong>Ki\u1ec3m tra l\u1ea7n cu\u1ed1i: 30 th\u00e1ng 10 n\u0103m 2026<\/strong><br>Ch\u1ec9 l\u00e0 th\u00f4ng tin chung, kh\u00f4ng ph\u1ea3i t\u01b0 v\u1ea5n ph\u00e1p l\u00fd, t\u00e0i ch\u00ednh hay y t\u1ebf. H\u00e3y xem trang web ch\u00ednh th\u1ee9c cho tr\u01b0\u1eddng h\u1ee3p c\u1ee7a qu\u00fd v\u1ecb.<\/p><h2>C\u00e1ch y\u00eau c\u1ea7u b\u1ed3i ho\u00e0n ho\u1ea1t \u0111\u1ed9ng<\/h2><p>Quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m t\u00f9y theo h\u1ee3p \u0111\u1ed3ng c\u1ee7a qu\u00fd v\u1ecb. B\u1ea3o hi\u1ec3m b\u1ec7nh vi\u1ec7n v\u00e0 b\u1ea3o hi\u1ec3m b\u1ed5 sung (extras) tr\u1ea3 cho nh\u1eefng th\u1ee9 kh\u00e1c nhau. H\u00e3y h\u1ecfi c\u00f4ng ty b\u1ea3o hi\u1ec3m tr\u01b0\u1edbc khi \u0111i\u1ec1u tr\u1ecb.<\/p><h2>Kho\u1ea3n ch\u00eanh l\u1ec7ch (gap) l\u00e0 g\u00ec?<\/h2><p>Kho\u1ea3n ch\u00eanh l\u1ec7ch (gap) l\u00e0 s\u1ed1 ti\u1ec1n qu\u00fd v\u1ecb t\u1ef1 tr\u1ea3. \u0110\u00f3 l\u00e0 ph\u1ea7n ch\u00eanh gi\u1eefa s\u1ed1 ti\u1ec1n b\u00e1c s\u0129 ho\u1eb7c b\u1ec7nh vi\u1ec7n t\u00ednh v\u00e0 s\u1ed1 ti\u1ec1n Medicare c\u00f9ng c\u00f4ng ty b\u1ea3o hi\u1ec3m tr\u1ea3. H\u00e3y xin b\u00e1o gi\u00e1 b\u1eb1ng v\u0103n b\u1ea3n tr\u01b0\u1edbc khi \u0111i\u1ec1u tr\u1ecb.<\/p><h2>N\u1ebfu qu\u00fd v\u1ecb c\u0169ng c\u00f3 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng CTP ho\u1eb7c WorkCover<\/h2><p>Nhi\u1ec1u h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng tr\u1ea3 ti\u1ec1n \u0111i\u1ec1u tr\u1ecb khi ti\u1ec1n b\u1ed3i th\u01b0\u1eddng c\u00f3 th\u1ec3 tr\u1ea3. C\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 h\u1ecfi v\u1ec1 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng c\u1ee7a qu\u00fd v\u1ecb.<\/p><p>\u0110\u00f4i khi c\u00f4ng ty b\u1ea3o hi\u1ec3m tr\u1ea3 tr\u01b0\u1edbc. N\u1ebfu sau \u0111\u00f3 qu\u00fd v\u1ecb nh\u1eadn ti\u1ec1n b\u1ed3i th\u01b0\u1eddng, c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 y\u00eau c\u1ea7u qu\u00fd v\u1ecb tr\u1ea3 l\u1ea1i s\u1ed1 ti\u1ec1n \u0111\u00f3.<\/p><p>CTP (tai n\u1ea1n xe): N\u1ebfu c\u00f4ng ty b\u1ea3o hi\u1ec3m CTP t\u1eeb ch\u1ed1i y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng, trong th\u1eddi gian ch\u1edd qu\u00fd v\u1ecb c\u00f3 th\u1ec3 d\u00f9ng Medicare ho\u1eb7c b\u1ea3o hi\u1ec3m y t\u1ebf t\u01b0 nh\u00e2n. C\u00e1c chi ph\u00ed n\u00e0y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ho\u00e0n l\u1ea1i n\u1ebfu sau \u0111\u00f3 y\u00eau c\u1ea7u \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn.<\/p><p>WorkCover: WorkCover Queensland c\u00f3 th\u1ec3 tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb \u0111\u01b0\u1ee3c duy\u1ec7t khi y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn. N\u1ebfu kh\u00f4ng \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn, qu\u00fd v\u1ecb ph\u1ea3i t\u1ef1 tr\u1ea3 c\u00e1c chi ph\u00ed \u0111\u00f3.<\/p><h2>N\u1ebfu qu\u00fd v\u1ecb mu\u1ed1n khi\u1ebfu n\u1ea1i<\/h2><p>Tr\u01b0\u1edbc ti\u00ean, h\u00e3y n\u00f3i chuy\u1ec7n v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m. N\u1ebfu v\u1eabn ch\u01b0a gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c, h\u00e3y li\u00ean h\u1ec7 Private Health Insurance Ombudsman (Thanh tra b\u1ea3o hi\u1ec3m y t\u1ebf t\u01b0 nh\u00e2n). D\u1ecbch v\u1ee5 mi\u1ec5n ph\u00ed. \u0110i\u1ec7n tho\u1ea1i <a href=\"tel:1300362072\">1300 362 072<\/a>.<\/p><h2>Ngu\u1ed3n<\/h2><ul class=\"ic-h-sources\"><li><a href=\"https:\/\/www.ombudsman.gov.au\/complaints\/private-health-insurance-complaints\" target=\"_blank\" rel=\"noopener\">Khi\u1ebfu n\u1ea1i b\u1ea3o hi\u1ec3m y t\u1ebf t\u01b0 nh\u00e2n \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\">T\u01b0 v\u1ea5n ph\u1ee5c h\u1ed3i ch\u1ee9c n\u0103ng \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\">Y\u00eau c\u1ea7u chi ph\u00ed y t\u1ebf v\u00e0 ph\u1ee5c h\u1ed3i ch\u1ee9c n\u0103ng \u2013 WorkCover Queensland<\/a><\/li><\/ul><div class=\"ic-h-cta\"><h2>B\u1ecb th\u01b0\u01a1ng v\u00e0 kh\u00f4ng bi\u1ebft ph\u1ea3i l\u00e0m g\u00ec?<\/h2><p>D\u00f9ng m\u1eabu y\u00eau c\u1ea7u mi\u1ec5n ph\u00ed c\u1ee7a ch\u00fang t\u00f4i.<\/p><a class=\"ic-h-btn\" href=\"https:\/\/www.injurycheck.info\/vi\/claims-enquiry-form\/\">D\u00f9ng m\u1eabu y\u00eau c\u1ea7u mi\u1ec5n ph\u00ed c\u1ee7a ch\u00fang t\u00f4i<\/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\/vi\/wp-json\/wp\/v2\/pages\/2032","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.injurycheck.info\/vi\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.injurycheck.info\/vi\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.injurycheck.info\/vi\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.injurycheck.info\/vi\/wp-json\/wp\/v2\/comments?post=2032"}],"version-history":[{"count":2,"href":"https:\/\/www.injurycheck.info\/vi\/wp-json\/wp\/v2\/pages\/2032\/revisions"}],"predecessor-version":[{"id":2060,"href":"https:\/\/www.injurycheck.info\/vi\/wp-json\/wp\/v2\/pages\/2032\/revisions\/2060"}],"up":[{"embeddable":true,"href":"https:\/\/www.injurycheck.info\/vi\/wp-json\/wp\/v2\/pages\/2029"}],"wp:attachment":[{"href":"https:\/\/www.injurycheck.info\/vi\/wp-json\/wp\/v2\/media?parent=2032"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}