This terminology exists already, identifying medical and financial benefits. If you are unsure of any policy benefits, list your policy needs, ask the insurers what policy meets those needs. Common sense is all that is required, not a ministerial degree.

Health insurance policies do contain some conflicting and useless items, such as male or female medical and physical anomalies, health club subscriptions, age differences and useless lifestyle events.

Most people have private health insurance to provide protection for urgent future medical events that may occur, such as, hospitalisation and treatment costs for natural illnesses and or accident.

Male and female medical demands will differ; therefore, policy differentiation could apply. Couples policies would be a combination of both male and female policies and priced accordingly.

Ancillaries such as dental and optical are optional depending on the treatment level required and adequately exist already. Non-medical benefits should not form part of health insurance.

Health insurance would be better patronised through its simplicity and competitiveness, instead of attempting to be all things to all people.

It visualises competitiveness through diversity, instead there are many companies, not all Australian, with very few owners reaping taxation benefits.

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