This is an HTML version of an attachment to the Freedom of Information request 'Private health insurance excesses'.

s22, s42, s47C
s22
under  (Cth) Care 
s42, s47C
1982 Aged 
released 
Act and 
been 
s22
has 
Health 
Information 
of 
of 
document 
This  Freedom 
Department 
 the  the 
 by 

s22, s42, s47C
s22
under  (Cth) Care 
1982 Aged 
released 
Act and 
been 
has 
Health 
Information 
of 
of 
document 
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Department 
 the  the 
 by 


FOI 5338 - document 2
s22
From:
s22
Sent:
19 July 2024 14:32
To:
s22
Cc:
s22
Subject:
RE: Input request into Premium Round Forum [SEC=OFFICIAL]
Hi s22
 
We are currently preparing a consulta on paper on the followings22
 
 s22
 Removal of excess waiver for dependents – likely impact on premiums
 s22



under  (Cth) Care 
I have provided a link to the dra  consulta on paper for your informa on only.  D24-2132910  47C
 
   
1982 Aged 
We may be in a posi on to have this cleared before your forum on 13 A
Act  ugust 2024 but this can’t be 
released 
guaranteed.  Therefore I would appreciate a discussion between the relevan
and  t par es before the forum s47C
 
 
been  Health 
Thanks, 
has Information 
of 
of 
s22
 
 
Acting Assistant Secretary
Private Health Strategy Branch
document 
Benefits Integrity Division | Health Resourcing Group 
Freedom 
Department 
Australian Government Department of Health and Aged Care 
This 
T: 07 3360 s22 | E: s22
@health.gov.au  
 the  the 
This email comes to you from Turrbal Country  by 
Location: 160 Ann Street, Brisbane 
GPO Box 9848, Brisbane QLD 4001, Australia  
The Department of Health and Aged Care acknowledges First Nations peoples as the Traditional Owners of Country throughout Australia, 
and their continuing connection to land, sea and community. We pay our respects to them and their cultures, and to all Elders both past 
and present.  
Explore medical specialist costs across Australia with the Medical Costs Finder | Australian Government Department of Health 
From: s22
@Health.gov.au> 
Sent: Friday, July 19, 2024 1:56 PM 
To: s22
@health.gov.au>; s22
@Health.gov.au> 
Subject: Input request into Premium Round Forum [SEC=OFFICIAL] 
Hi s22

We are preparing the agenda for the Premium Round Forum on Tuesday 13 August 2024 where we advise insurers 
on planned changes to the Premium Round forms and other industry changes that may be relevant to the process. 
1
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FOI 5338 - document 2
I was wondering if you can provide input on any ma ers within your respec ve teams that you think insurers would 
consider important in the context of the premium round? For example, if there are any impending regula on / 
compliance changes or reforms that may materially affect insurers? 
 
For context, insurers men oned through our consulta on process that they appreciated updates at the Forum on 
changes on regula on or compliance ma ers that can relate to price se ng behaviours. 
 
Any input by COB Wednesday 24 June would be appreciated. 
 
Kind regards 
 
s22
 
A/g Director - Private Health Financing Section 
Private Health Strategy Branch | Business Integrity Division 
 
Australian Government Department of Health and Aged Care 
E: s22
@health.gov.au  
PO Box 100, Woden ACT 2606, Australia 
 
The Department of Health and Aged Care acknowledges First Nations peoples as the Traditional Owners of Country throughout Australia, 
and their continuing connection to land, sea and community. We pay our respects to them and their cultures, and to all Elders both past 
and present. 
 
(Cth) 
 
under   Care 
1982 Aged 
released 
Act and 
been 
has 
Health 
Information 
of 
of 
document 
This  Freedom 
Department 
 the  the 
 by 
2
Page 2 of 2

s42, s47C
under  (Cth) Care 
1982 Aged 
released 
Act and 
been 
has 
Health 
Information 
of 
of 
document 
This  Freedom 
Department 
 the  the 
 by 

s42
s42, s47C
s42
under  (Cth) Care 
1982 Aged 
released 
Act and 
been 
has 
Health 
Information 
of 
of 
document 
This  Freedom 
Department 
 the  the 
 by 

s42
s42, s47C
under  (Cth) Care 
1982 Aged 
released 
Act and 
been 
has 
Health 
Information 
of 
of 
document 
This  Freedom 
Department 
 the  the 
 by 

s42
s42, s47C
under  (Cth) Care 
1982 Aged 
released 
Act and 
been 
has 
Health 
Information 
of 
of 
document 
This  Freedom 
Department 
 the  the 
 by 

s42
s42, s47C
under  (Cth) Care 
1982 Aged 
released 
Act and 
been 
has 
Health 
Information 
of 
of 
document 
This  Freedom 
Department 
 the  the 
 by 

s42
s42, s47C
under  (Cth) Care 
1982 Aged 
released 
Act and 
been 
has 
Health 
Information 
of 
of 
document 
This  Freedom 
Department 
 the  the 
 by 


FOI 5338 - document 4
s22
From:
s22
Sent:
Tuesday, 6 August 2024 3:33 PM
To:
s22
Subject:
FW: Draft regulatory updates timeframes - subject to change/confirmation 
[SEC=OFFICIAL]
 Need to talk to Regs and Financing re  ming – during or a er premium round
 Paul prefers to push premium/industry impacts back (eg to 1 April 2026) – excess waivers,s22
 Need to consult with s47F /Minister re consulta on before issuing – informal and then maybe informa on
brief
s22
Director – Compliance Section 
Private Health Strategy Branch
Health Systems Strategy Division | Health Strategy, First Nations & Sport Group 
Australian Government Department of Health and Aged Care 
T: 07 2114 s22  | E: s22
@health.gov.au  
This email comes to you from Turrbal Country 
under  
Location: 160 Ann Street, Brisbane 
GPO Box 9848, Brisbane QLD 4001, Australia  
The Department of Health and Aged Care acknowledges First Nations peoples as the Traditional Owners of Country throughout Australia, 
and their continuing connection to land, sea and community. We pay our respects to them and their cultures, and to all Elders both past 
and present.  
Explore medical specialist costs across Australia with the Medical Costs Finder | Australian Government Department of Health 
From: s22
Sent: Tuesday, August 6, 2024 12:04 PM 
To: s22
@health.gov.au> 
Subject: Draft regulatory updates timeframes - subject to change/confirmation [SEC=OFFICIAL] 
Hi s22
This document has been released 
Freedom of Information Act 1982 (Cth) 
Thought I’d put something down in w
 the ri ng as I won’t be able to find my notes later!  Following are dra   meframes 
for the regulatory updates.  These are subject to change/confirma on as we talk to Regs,
 by the Department of Health and Aged Care  Financing and Paul but 
should help us be clearer in our discussions with them. 
August 
– feedback from Paul and Legals incorporated into paper
– include Qs on system change  meframes and proposed start dates
– Paul clearance and issue consulta on paper (Consulta on Hub plus email comms)
September – consulta on period, dra  proposed rule changes 
October – consulta on period, dra  website updates  
November (s22
 leave) – consulta on period 
December – collate feedback 
January (allow for leave) - nil 
February – recommenda ons to Paul for final endorsement (incl legal review) 
March – registra on of rule changes  
s22
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FOI 5338 - document 4
Rule changes - 1 April 2025: 
s22
 Excess waiver (compliance issue, premium impact, system changes – allow 12 months for implementa on)
s22
If any issues with the above, please let me know. 
Cheers, 
s22
Director – Compliance Section 
Private Health Strategy Branch
Health Systems Strategy Division | Health Strategy, First Nations & Sport Group 
Australian Government Department of Health and Aged Care 
T: 07 2114s22  | E: s22
@health.gov.au  
This email comes to you from Turrbal Country 
Location: 160 Ann Street, Brisbane 
GPO Box 9848, Brisbane QLD 4001, Australia  
under  
The Department of Health and Aged Care acknowledges First Nations peoples as the Traditional Owners of Country throughout Australia, 
and their continuing connection to land, sea and community. We pay our respects to them and their cultures, and to all Elders both past 
and present.  
Explore medical specialist costs across Australia with the Medical Costs Finder | Australian Government Department of Health 
This document has been released 
Freedom of Information Act 1982 (Cth) 
 the by the Department of Health and Aged Care 
2
Page 2 of 2

s42
s42, s47C
under  
This document has been released 
Freedom of Information Act 1982 (Cth) 
 the by the Department of Health and Aged Care 

s22
s42
s42, s47C
under  
This document has been released 
Freedom of Information Act 1982 (Cth) 
 the by the Department of Health and Aged Care 

s22
s42
s42, s47C
under  
This document has been released 
Freedom of Information Act 1982 (Cth) 
 the by the Department of Health and Aged Care 

s22
s42
s42, s47C
under  
This document has been released 
Freedom of Information Act 1982 (Cth) 
 the by the Department of Health and Aged Care 

FOI 5338 - document 5.1
s47C
under  
This document has been released 
Freedom of Information Act 1982 (Cth) 
 the by the Department of Health and Aged Care 
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FOI 5338 - document 5.1
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This document has been released 
Freedom of Information Act 1982 (Cth) 
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under  
This document has been released 
Freedom of Information Act 1982 (Cth) 
 the by the Department of Health and Aged Care 
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FOI 5338 - document 5.1
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under  
s42
s42
s47C
This document has been released 
Freedom of Information Act 1982 (Cth) 
 the by the Department of Health and Aged Care 
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FOI 5338 - document 5.1
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under  
This document has been released 
Freedom of Information Act 1982 (Cth) 
 the by the Department of Health and Aged Care 
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FOI 5338 - document 5.1
s47C
s42
s42
under  
s47C
This document has been released 
Freedom of Information Act 1982 (Cth) 
 the by the Department of Health and Aged Care 
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FOI 5338 - document 5.1
s47C
under  
This document has been released 
Freedom of Information Act 1982 (Cth) 
 the by the Department of Health and Aged Care 
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FOI 5338 - document 5.1
s47C
under  
This document has been released 
Freedom of Information Act 1982 (Cth) 
 the by the Department of Health and Aged Care 
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FOI 5338 - document 5.1
s47C
s42
s42
under  
s47C
This document has been released 
Freedom of Information Act 1982 (Cth) 
 the by the Department of Health and Aged Care 
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FOI 5338 - document 5.1
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under  
This document has been released 
Freedom of Information Act 1982 (Cth) 
 the by the Department of Health and Aged Care 
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FOI 5338 - document 5.1
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under  
This document has been released 
Freedom of Information Act 1982 (Cth) 
 the by the Department of Health and Aged Care 
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FOI 5338 - document 5.1
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under  
This document has been released 
Freedom of Information Act 1982 (Cth) 
 the by the Department of Health and Aged Care 
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FOI 5338 - document 5.1
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under  
This document has been released 
Freedom of Information Act 1982 (Cth) 
 the by the Department of Health and Aged Care 
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FOI 5338 - document 5.1
s47C
s42
s42
under  
s47C
This document has been released 
Freedom of Information Act 1982 (Cth) 
 the by the Department of Health and Aged Care 
Proposed amendment 
 
s42
s42
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FOI 5338 - document 5.1
 
 
 
OFFICIAL 
s42
s42
s47C
under  
s42
s42
s47C
This document has been released 
Freedom of Information Act 1982 (Cth) 
 the by the Department of Health and Aged Care 
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under  
This document has been released 
Freedom of Information Act 1982 (Cth) 
 the by the Department of Health and Aged Care 
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under  
This document has been released 
Freedom of Information Act 1982 (Cth) 
 the by the Department of Health and Aged Care 
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under  
s42
s42
This document has been released 
Freedom of Information Act 1982 (Cth) 
 the
s47C
 by the Department of Health and Aged Care 
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under  
This document has been released 
Freedom of Information Act 1982 (Cth) 
 the by the Department of Health and Aged Care 
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under  
This document has been released 
Freedom of Information Act 1982 (Cth) 
 the by the Department of Health and Aged Care 
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FOI 5338 - document 5.1
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under  
This document has been released 
Freedom of Information Act 1982 (Cth) 
s42
s42
 the by the Department of Health and Aged Care 
s47C
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FOI 5338 - document 5.1
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under  
This document has been released 
Freedom of Information Act 1982 (Cth) 
 the by the Department of Health and Aged Care 
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under  
This document has been released 
Freedom of Information Act 1982 (Cth) 
 the by the Department of Health and Aged Care 
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under  
This document has been released 
Freedom of Information Act 1982 (Cth) 
 the by the Department of Health and Aged Care 
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under  
This document has been released 
Freedom of Information Act 1982 (Cth) 
 the by the Department of Health and Aged Care 
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Document Outline