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You shouldn’t feel forced to elect to be a private patient when in a public hospital. As an Australian citizen you’re entitled to free public hospital treatment and shouldn’t have to use your private health insurance to pay for a public hospital treatment. If a patient in a public hospital elects to be a private patient, this means that instead of the cost of the treatment being covered by the public hospital the cost will be passed to the patient’s health fund and also Medicare. This matter has been very topical in the media recently due to the ongoing focus on health insurance affordability, and the recognition that public hospitals are actively encouraging patients to elect to be private patients. This decision to be treated as a private patient in a public hospital is contributing to the ongoing increases in health insurance premiums. Over the last three years, the cost of public hospital claims for Queensland Country has been increasing by twenty percent per annum, which impacts greatly on our premium increases we have to make each year. Is it worth being a private patient in a public hospital? There are some circumstances where it makes sense to elect to be a private patient, as this decision at times can provide a tangible benefit. For example, it may allow access to hospital treatment in a public hospital sooner than if you were a public patient. Other than that, we see no other tangible benefits for our Members, particularly when they’re being coerced into signing as a private patient with incentives such as access to a free TV or free parking. We recommend our Members to be aware of this issue, so that you can make a confident choice in what can be a confusing and disingenuous experience. We’ve had Members who’ve been made to feel guilty if they don’t sign the Patient Election Form to be admitted as a private patient. Another important point to consider in this situation is whether or not you have to pay an excess in a public hospital as a private patient. Remember, as a public patient you’re entitled to free public hospital treatment and wouldn’t need to pay this as a public patient. Overall, whether you’re treated as a public or private patient in a public hospital, it needs to be a conscious decision made by you only and/or other Members under your policy. Being treated as a private patient in a public hospital is a cost that we all bear when the treatment could be free if treated as a public patient. It’s a decision that should give you the best benefit and one that you should never feel forced to make if you don’t want to. If you have any concerns or would like to share your experience as a private patient in a public hosital, we’d like to hear from you. Please call your friendly team on 1800 813 415.
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Kakve su bolnice u Irskoj i koliko košta bolnica u Irskoj? Bolnički sustav dijeli se na Public (javni) i Prvate (privatni). Javne (Public) bolnice u Irskoj Postoje dvije vrste javnih bolnica u Irskoj: Health Service Executive (HSE) hospitals – HSE (Health Service Executive) je vlasnik bolnica, te ih financira u potpunosti. Popis ovih bolnica po regijama naći ćete ovdje. HSE smo već spominjali na našoj stranici Zdravstveni sustav i socijalno osiguranje u Irskoj. Voluntary public hospitals – većinom financirane od države, ali mogu biti u vlasništvu privatnih tijela (npr. religiozne organizacije). Osnivaju se Statutom, a upravni odbor najčešće imenuje minstar zdravstva. U praksi gotovo nema razlike između ove dvije vrste javnih bolnica. Većina javnih bolnica osim javnih (Public) usluga nudi i polu-privatne (Semi-private) i privatne (Private) usluge koje se shodno tipu plaćaju. Koliko koštaju bolničke usluge u javnim bolnicama u Irskoj? Kao Public pacijent ne morate platiti usluge specijaliste, ali ne možete birati liječnika. Smještaj u bolnici plaćate u svakom slučaju. Ukoliko ste kao Public pacijent zaprimljeni na bolnički odjel samo preko dana (day in-patient) ili i preko noći (overnight in-patient), plaćate €75 dnevno do maksimalno €750 u uzastopnih 12 mjeseci. Pacijenti koji imaju Medical Card ne plaćaju bolnički smještaj. Za sve bolničke preglede ili zahvate, koji nisu primljeni kroz Hitnu službu (A&E), vode se liste čekanja. U većini slučajeva liste su jako duge, na zahvate se čeka godinama i već dugo predstavljaju problem za ministarstvo zdravstva. Upravo ih tog razloga, većina građana uplaćuje privatno zdravstveno osiguranje (Private Health Insurance) kako bi imali opciju biti Private (tu se ubraja i Semi-private) pacijent u javnoj bolnici. Kao Private pacijent u javnoj bolnici morate platiti i vašeg specijalistu i svakog dodatno potrebnog liječnika (npr. anesteziolog) i dnevni trošak boravka u bolnici. Troškovi smještaja kreću se od cca €700 do €1000 (ovisno o tome jeste li private ili semi-private) preko noći ili od cca €330 do €400 na dan. Pregled bolničkih troškova u javnim bolnicama, uključivši i hitne službe, naći ćete ovdje. Public ili Prvate, usluge će svim pacijentima u javnoj bolnici pružati isti liječnici i timovi. Razlika je u tome koliko će vas brzo primiti na ugovorene preglede ili zahvate, da li će vas uvijek primiti isti liječnik i kako ćete biti smješteni. Kao Public pacijent u javnoj bolnici ne birate liječnika, nemate strogo određeni termin pregleda već samo datum i eventulano preporučeno vrijeme dolaska. Bolničku sobu dijelite sa više pacijenata, a kupaonice često sa nekoliko soba. Kao Semi-private pacijent u javnoj bolnici imate svog odabranog liječnika koji vas vodi, ali vas može primiti i netko drugi iz njihovog tima. Preglede ćete obavljati u dogovoreno vrijeme, a ako vam treba krevet sobu dijelite sa još nekoliko pacijenata. Kao Private pacijenta u javnoj bolnici prima vas isključivo vaš liječnik u dogovoreno vrijeme i imate privatnu sobu. U praksi je semi-private sistem često najbolja kombinacija cijene i usluge. Privatne sobe nisu uvijek slobodne, vaš liječnik može biti neplanirano odsutan itd. Privatne (Private) bolnice u Irskoj Private hospitals – privatne bolnice u Irskoj su potpuno u privatnom valsništvu i ne dobivaju državni novac. Sve preglede i usluge plaćate u potpunosti. Neke od usluga u nekim bolnicama pokrivene su kroz Private Health Insurance.