Health insurance funds annually submit their premium requests to the federal minister and this year Health Minister Nicola Roxon says she had to negotiate some "very ambitious claims''. From April 1, fees will rise by an average 5.78 per cent, after rising 4.99 per cent in 2008 and 6.02 per cent in 2009.

... There are more than 40 private health insurance companies in Australia, and one of the best deals going in the sector is free private health insurance in Australia for your children. Health funds charge the same premiums for families with children as they do for couples. Some funds extend the age for a dependent child to 25, if at home studying and single, while most cut the cover at 18.

Many people forget that their needs for private health cover alter with life stages.

... Canstar Cannex analyst Harry Senlitonga says, "Private health insurance is not one-size-fits-all, despite the common misconception that you have no say in what is included or excluded in your policy."He says it's wise to revisit your policy regularly at least every few years as your life changes.

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