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Insurance Checklist

General info only (not advice) on the common household insurances Aussie families come across — health, car, home & contents, life, income protection, landlord, pet and travel. Tick what you already have, jot down renewal months and premiums, then cross-link to the Renewals Tracker and Family Budget. Included in the Money Mate Bundle and All Access.

Heads up: this is general information only — not financial, tax or insurance advice. For recommendations on your situation, talk to a licensed insurance broker or financial adviser.

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Private health insurance

Private hospital cover (and optional extras like dental, optical, physio) on top of Medicare. Often discussed around the Medicare Levy Surcharge and Lifetime Health Cover loading.

Typically covers

Private hospital admission and choice of doctor
Extras: dental, optical, physio, psychology (if included)
Reducing the Medicare Levy Surcharge for higher incomes

Who tends to need it

Anyone weighing public vs private hospital care, or earning above the MLS threshold.

Worth reviewing when

Turning 31 (LHC loading)
Income changes
New baby
Annual price rise

Saved in your browser only. General information — not personal advice. For recommendations tailored to you, speak to a licensed adviser or insurance broker.