Below you'll find a selection of Finder partners that cover sterilisation, and the minimum policy tier that covers the treatment. All have a two-month waiting period. All prices are based on a single individual with less than $90,000 income and living in Sydney.
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In general, if someone never wants to have children then sterilisation can be an effective option. The two most widely-used methods of voluntary sterilisation are:
A vasectomy involves a man having his vas deferens severed or sealed. This prevents him from impregnating women with no major impact on sexual functioning. The procedure does not require hospitalisation and can usually be performed in 30 minutes or less.
This procedure involves the surgical severing and/or blocking of a woman's fallopian tubes. This prevents the passage of eggs to the uterus and renders pregnancy near impossible.
In Australia, it is illegal to undertake either of these procedures on persons under the age of 18 unless it is a clear medical necessity. Needless to say, no health insurance will cover illegal procedures.
If you think you might want to undo your vasectomy or tubal ligation in the future, then do not get it at all.
Reversal surgery does not guarantee that you will recover full functionality, and in some cases will be completely ineffective. The high costs and indeterminate success rates of sterilisation reversal procedures mean that private health funds will typically only cover them as on more comprehensive policies.
Private health funds will cover vasectomies, tubal ligation and hysterectomies in varying ways, depending on the level of cover you have purchased and the conditions of the policy. Things to consider are:
You can. Because vasectomies and tubal ligation are not emergencies and Medicare offers relatively good benefits for them.
So, it's not usually worth choosing a fund on the basis of whether or not they cover these. However, going private may still be worth considering if:
To claim a vasectomy or tubal ligation with a private health fund:
Claiming a hysterectomy can be more complicated as it depends on your reason for having the procedure and the methods used by the surgeon.
Having a vasectomy or tubal ligation procedure is easy and relatively inexpensive, but it should also be considered very carefully first. Covering sterilisation with public or private health insurance is simple, but undoing it can be much more complex and expensive.
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