Vargster
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- Joined
- Jul 13, 2009
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So I'm 25 and I figure it's about time I grow up and start doing adult things, like getting health insurance and considering a credit card... Not the most exciting topics, I know.
Health Insurance: Deciding between getting hospital and extras, or just extras. I know if I get just extras it is a gamble, but it's also about a third of the price. All prices below are for couples cover:
Telstra have a corporate plan that gives me an 8% discount with BUPA and also accelerates my annual rebate / amount that I can claim to that of a customer who has been with them for 5 years, but only on certain hospital and extra plans (about $41 per week+). Alternatively, I could go with a cheaper option for hospital and extras (about $29 per week) but I get no extra rebates / amount I can claim regardless of how long I stay with them for, it's about $400 dental per person, per year, $300 physio p.p per year etc.
Finally, I could go with JUST extras cover for about $14 per week, which gives me a higher rebate amount and it also increases based on how many years I stay with them. My 5 year accelerator DOES NOT apply to this option, and the amount I can claim back on each item is slightly less ($30 from dental rather than $35, etc).
Any experience in this area or recommendations would be appreciated.
Credit Cards: This is something I've held off on because I didn't trust myself to use this with self control, however I now feel like I'm SOMEWHAT more responsible and wouldn't get myself into too much trouble. I've done a bit of research and I feel that going with a credit card that offers frequent flyers / rewards may be worth it in the long run, however the annual fees makes it less attractive at the beginning. I'm also looking for a credit limit of approx. 8-10k and I know that this can also affect the annual fees, particularly as a new customer.
Again, any recommendations or experience would be much appreciated.
Thanks guys!
Health Insurance: Deciding between getting hospital and extras, or just extras. I know if I get just extras it is a gamble, but it's also about a third of the price. All prices below are for couples cover:
Telstra have a corporate plan that gives me an 8% discount with BUPA and also accelerates my annual rebate / amount that I can claim to that of a customer who has been with them for 5 years, but only on certain hospital and extra plans (about $41 per week+). Alternatively, I could go with a cheaper option for hospital and extras (about $29 per week) but I get no extra rebates / amount I can claim regardless of how long I stay with them for, it's about $400 dental per person, per year, $300 physio p.p per year etc.
Finally, I could go with JUST extras cover for about $14 per week, which gives me a higher rebate amount and it also increases based on how many years I stay with them. My 5 year accelerator DOES NOT apply to this option, and the amount I can claim back on each item is slightly less ($30 from dental rather than $35, etc).
Any experience in this area or recommendations would be appreciated.
Credit Cards: This is something I've held off on because I didn't trust myself to use this with self control, however I now feel like I'm SOMEWHAT more responsible and wouldn't get myself into too much trouble. I've done a bit of research and I feel that going with a credit card that offers frequent flyers / rewards may be worth it in the long run, however the annual fees makes it less attractive at the beginning. I'm also looking for a credit limit of approx. 8-10k and I know that this can also affect the annual fees, particularly as a new customer.
Again, any recommendations or experience would be much appreciated.
Thanks guys!