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What type of company is Health Deal?
When was Health Deal established?
What is Health Deal’s Trust Pilot Score?
What are the 3 parts of Medicare? (Select all 3)
Fill in the blank
Medicare is funded partly by a % Medicare levy (with exceptions for low-income earners), with the balance being provided by government from general revenue.
Medicare does not cover: (Select the items which Medicare DOES NOT cover)
What are 3 benefits of private hospital cover?
What is the most common excess?
The standard hospital wait periods are: (fill in the blanks)
The standard hospital wait periods are: (fill in the blanks)
• Months for a Pre-Existing Conditions
• Months for Pregnancy/IVF/Weight Loss Surgery
• Months for Rehabilitation, In Hospital Psychiatry & Palliative Care.
• Months for a New Conditions
When will customers serve hospital wait periods? (Select the multiple answers if relevant)
John is on a $500 excess, you switch him to a $750 excess. John goes into hospital for a pre-existing procedure after 3 months of being on the new policy. What excess will John pay?
Stacey is on a $750 excess, and you switch her to a $250 excess. Stacey goes into hospital for a pre-existing procedure after 6 months of being on the new policy. What excess will Stacey pay?
Mark is on a $500 excess and you switch to a $500 excess policy. Mark has already gone into hospital this year and paid his excess. Mark then goes into hospital again within the same year after switching. What excess will Mark pay?
Fill in the blanks
A pre-existing condition is an ailment, illness or condition, the signs or symptoms of which, in the opinion of a medical practitioner appointed by the health insurer, existed at any time during the months prior to taking out hospital cover or upgrading to a higher level of cover.
Steve has just bought his first ever hospital policy, he has a pre-existing heart condition. How long will Steve have to wait before he can get heart surgery?
Put the procedure to the minimum level of hospital cover needed.
Gold Level
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Some Silver Plus Level
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Silver Level
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Bronze Level
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What is the minimum level of hospital required?
Chemotherapy
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In Hospital Psych
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Back, Neck, Spine
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Select the 4 Standard Clinical Definitions that can only be found on Gold Levels of cover and not on Silver or Silver Plus.
Select the 3 extras which are on pretty much all extras policies:
What is a yearly limit on extras?
What is an “extras rebate”?
What are the standard wait periods for these extras?
36 Months
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2 Months
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12 Months
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Fill in the blanks to add the standard wait periods for the services
Months for General Dental (check ups, fillings)
Months for Major Dental (crowns, bridges)
Months for Orthodontics (braces)
Months for Physiotherapy (Phsyio)
Months for Chiropractors (Chiro)
Months for Remedial Massage
Months for Acupuncture
Months for Psychology Visits
Months for Podiatry (feet)
Months for Hearing Aids
Months for Medical Appliances
Months for Non PBS scripts
Align the extra with the average cost of the service
Dental Check Up
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New Glasses
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Physio Visit
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Chiro Visit
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Braces
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Dental Crown
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Who are the two biggest health funds in Australia by membership size? (Select two)
Re-Order these health funds so the largest membership size is at the top and the lowest at the bottom.
View Answers:
What health fund is described?
• 4th Largest Health Fund
• Excellent extras policies that offer % based rebates
• Established since 1952
• Big brand name
• Policies which suit all ages
• Stands for Newcastle Industrial Benefits Fund
What health fund is described?
• Not for profit health fund
• Established 1954
• Excellent value for money
• Fantastic hospital & extras policies
• Stands for Health Insurance Fund of Australia
What health fund is described?
• 6th Largest Health Fund
• Over 175 years old
• Mutual Health Fund
• Big brand name
• Fantastic policies to suit all
• Oldest health fund in Australia
Fill in the blanks
The price of health insurance in Australia can be quite high. To combat this the Australian government offers a rebate off the cost of your health insurance to help pay towards a portion of the cost. The amount of rebate you get is dependent on two things:
1. Customers
2. Customers
To be eligible for the base tier of the government rebate (24.608%) for a single person, you must be below 65 and earn how much?
John aged 62 (24.608%) & Maggie 67 (28.710%), both go onto a couples policy. What rebate would be applied to their policy?
Fill in the blank
If you do not have hospital cover with an Australian registered health fund on your Lifetime Health Cover base day and then decide to take out hospital cover later in life, you will pay a % loading on top of your premium for every year you are aged over 30.
In most cases, your Lifetime Health Cover base day is the 1st of following your birthday.
For example, if you take out hospital cover at age 40 you will pay % more than someone who first took out hospital cover at age 30. The maximum loading is %.
Fill in the blank
If you are on a couple or family policy, your loading is calculated as an average between the individual loadings of the two adults. For example, if one person has 20% loading and the other person has 0% loading, the loading applied to the couples’ policy is %.
Stacey has a 20% loading & Dave has a 10% loading, if Stacey & Dave join a policy together, what will be their loading?
Fill in the blank
Gaps in cover – to cover small gaps, such as switching from one fund to another, you are able to be without hospital cover for periods totalling days (i.e. years less one day) during your lifetime, without affecting your loading. This is known as ‘Days of Absence’.
If you use up your Days of Absence, you will pay a 2% loading on re-joining private hospital cover. The loading will increase by 2% for every year after that without cover.
Fill in the blank
Your LHC loading % can be removed after you have completed years of continuous cover.
Fill in the blank
The Medicare (MLS) is levied on payers of Australian tax who do not have private hospital cover and who earn above a certain income. The surcharge aims to encourage individuals to take out private hospital cover, and where possible, to use the private system to reduce the demand on the public Medicare system.
John (Single Parent), earns $100,000 per year and DOES NOT have hospital cover. Does John pay the MLS?
Mark (Single) earns $95,000 a year, he has health insurance, but extras only. Does Mark pay the MLS?
Mavis (single) earns $80,000 a year and does NOT have health insurance. Does she pay the MLS?
When does a hospital gap occur?
When you go to the hospital for a procedure, how much does a customer’s health fund pay towards the medicare schedule fee?
What is the law that governs all of private health insurance?
Match the definition to the behaviour:
Misleading and Deceptive Conduct
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Talking about Competitors
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False Representations
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Unconscionable Conduct
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Harassment & Coercion
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When are we legally allowed to call?
Health Deal is legally allowed to call customers during the following times only:
Monday – Friday: am – pm
Saturday: am – pm
Sunday & National Public Holidays: Not Allowed
Fill in the blanks
Privacy Information comes in 3 forms:
• Personal information
• information
• Credit information
Australia uses three main time zones:
Australian Western Standard Time (AWST; UTC+08:00),
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Australian Central Standard Time (ACST; UTC+09:30)
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Australian Eastern Standard Time (AEST; UTC+10:00)
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Write 3 questions you would ask in your needs analysis for general dental
This response will be reviewed and graded after submission.
What is the difference between a motivator and broad open question?
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What part of the sales scripting do we collect our 3 “Yesses”?
This response will be reviewed and graded after submission.
You are selling nib, and the customer decides they want to pay by credit card, what do we need to tell them?
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You are selling an Australian Unity policy, and the customer wants to pay by credit card. What must we tell them?
This response will be reviewed and graded after submission.
You are selling an Australian Unity policy, and the customer wants to pay by bsb & account. Customer wants his policy to start on 17th of Month. When must we put his first payment date?
When selecting a policy, what 2 things should we always try to do?
This response will be reviewed and graded after submission.
The customer (John) goes to the physio 6X per year. The physio costs $100 per visit, and he currently gets $30 for his rebate and has a yearly limit of $700 with Bupa. You will sell John a plan with $350 yearly limit, and 60% rebate. What would you say to John to convince him, the plan you offer is better (using the comparison wheel technique)?
This response will be reviewed and graded after submission.
Write an example of a post hold statement.
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What are the 3 parts of “The Comparison Wheel”?
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Why is it important that we use lots of imagery & examples when selling to customers?
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John & Stacey both 50 years old, live in Queensland, are with Health Partners on Silver Hospital Plus Lite $500 Excess & Top Extras, how much do they pay Health Partners a fortnight? (Combined income is $150,000)
William (56, single) lives in Victoria, he earns $160k a year. He is with nib on Basic Essential Hospital Plus $250 Excess & Core and Wellbeing Extras – How much money comes out of his bank account each month?
When selling Westfund, if the customer wants to pay fortnightly, what day of the week MUST you put the payment day?
Mike (60yrs) & Sophie (66yrs) are on a family policy with Bupa. They live in Victoria and have a shared income of $190,000 per year. They have a 15% loading on their plan. How much comes out of their bank account a month to pay for Gold Complete Hospital $500 Excess & Budget Extras 60?
What type of lead is Goodle AdWords Mega Mix?
What type of lead is MustHaveIt-DOI?
John & Stacey have two kids, George & William. The family live in Queensland, and are with Bupa on Starter Extras. All 4 people want to get glasses. How much can the family claim on optical if all 4 got new glasses?
John & Stacey have two kids, George & William. The family live in Queensland, and are with Bupa on Starter Extras. All 4 people go to the Chiropractor once a week. How much can the family claim as a whole on Chiro each year?
Marie (Single), has 2 kids, they are all with HCF on HCF MY FAMILY ADVANCED SILVER PLUS $500 EXCESS. Marie is 45, earns $150,000 a year and has held hospital cover since she turned 31. How much does she pay a month? (Lives in Victoria)
Mark has 18% Loading, Sophie has 0% Loading, they both live in WA and have recently joined Medibank on Medibank Silver Plus Advanced $250 Xs AND My Choice Extras Core 60. How much do they pay a month? (Both earning below $180K)
Stephen, lives in WA and is with Medibank on My Choice Extras Core 60. His glasses cost $200, his rebate is 100% of the charge. How much will Stephen claim back on his $200 pair of glasses?
What two states over free emergency ambulance?
Mark & Jess (QLD) are both with HCF on Top Extras. Mark has claimed $700 on General Dental, and Jess Has claimed $200 on General Dental. You switch them to nib core extras in July, when they transfer how much will they both have to spend on General Dental with Core Extras?
Stephen (VIC, 35 years old, earning $80,000) is with Bupa on Bronze Plus Young Singles Choice, he tells you he needs major dental work done soon. You find out he’s claimed $400 already on Major Dental this year. He Switches in June, and has work coming up in August. 1) How much is Stephen paying a FORTNIGHT and 2) How much can Stephen claim this year on Major Dental if you switch him to nib Core Extras Boost?
Kyle is 24 years old, he buys Core Extras through you with no hospital. How much aged based discount is Kyle entitled to?
Scott is 24 he buys a nib hospital product through you. How much aged based discount is he entitled to?
Can under 30s get aged based discount on all hospital policies trhough Health Deal?
Match the persons age with the % discount they can be eligible for:
29 years old
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27 Years Old
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18-25
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30 Years Old
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How much does extended family cover increase the cost of health insurance by?
Jack & Maggie, have 4 kids – Susan 23 (Not in Uni), Steve 25 (In Uni), Stacey 21 (Not in Uni) & John 24 (In Uni), which kids IF ANY, can go onto an Australian Unity policy?
Jack & Maggie, have 4 kids – Susan 23 (Not in Uni), Steve 25 (In Uni), Stacey 21 (Not in Uni) & John 24 (In Uni), which kids IF ANY, can go onto an nib policy?
Complete the extended family matrix
Westfund
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nib
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hif
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Australian Unity
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BUPA
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AHM
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What did you like most & dislike most about training?
This response will be awarded full points automatically, but it can be reviewed and adjusted after submission.
What area of training do you feel least confident in?
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How would you improve training?
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On a scale of 1 – 10, how prepared do you feel for the role? (10 being extremely confident)
This response will be awarded full points automatically, but it can be reviewed and adjusted after submission.