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With over 30 funds in Australia, plus different options for corporate or some groups – you’ve a lot of choice when it comes to health insurance.
Whether you’re looking for a not for profit, fund aligned to your role, or just some of the market players – we’ve listed your options below.
Just looking to crunch the numbers? Try our free online quote tool below.
Compare health insurance for free
Compare prices from 30+ Aussie funds in under 30 seconds.
Funds come in all shapes and sizes, and finding the right one for you involves comparing funds and their policies until you find the perfect fit. Things to look for in a health fund include:
- Whether they have agreements with hospitals and ancillary service providers in your area, so you will have low or no out-of-pocket expenses
- Whether their cover includes a percentage of costs rather than a set benefit amount, as this will usually ensure you get more back
- Whether they give you access as a member to health and lifestyle-related discounts
- Whether they are a restricted membership fund, as this usually means lower premiums and higher benefits for members
- Whether they have a good reputation, with few complaints and high retention rates
- Whether they have a good industry rating and claims payment record
- Whether they have lower management expenses as a percentage of premiums.
The following is a comparison of Australian health insurance providers, which summarises their policies and the benefits they offer.
Benefits
- Member-owned health fund
- Personal and professional service
Code VERIFIED
Get 6 weeks free + 2&6 month waits on extras waived
Expires 3 Oct 2022
New joins on eligible hospital & extras by Oct 3.
Benefits
- Single annual limit to be used on the extras you want
- No waiting periods on many extras
- Online and mobile claims and payments
Benefits
- Wide variety of benefit treatments
- Does not exclude pre-existing conditions
- Has no more than a 2-month waiting period for everything
Benefits
- Hospital care at home and in home rehab
Benefits
- Extensive ancillary services network
- Agreements with most private hospitals
- Medical no gap or known gap scheme
- Range of positive health programs
Benefits
- Health management program for those with chronic illnesses
- Best Doctors specialist network with some products
- Choice Network of no-gap dental and optical providers
- A range of health and wellness-related discounts
- Hospital in the Home alternative to some hospital treatments
Benefits
- Cost-effective cover for singles and families
- Affordable premiums
- Friendly and professional service
Benefits
- No excess or co-payment for dependant kids’ hospital admission
- First month free for new members
- The freedom to choose your own healthcare provider
- Online and mobile claiming
- Discounts for home loan customers
Benefits
- Discounts available from optical network partners
- 15% off at network dentists
Benefits
- Products tailored to suit the unique needs of its members
- Benefits can carry over to the next year
Benefits
- Same-day hospitalisation and day surgery
- Extras policy covers 80% of the cost of most extras services
- 12 months for Rollover Benefits
Benefits
- An all-online fund, so premiums are lower
- Frank Hospital Rewards program to help cover out-of-pocket hospital expenses
- Choose your own provider
- Up to 80% back on extras
- Access to member bonuses
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Benefits
- Quick and easy online claims
- Opportunity to accumulate Reward dollars through the Connect Rewards Plus program
- A range of packages for those into sports and fitness
Benefits
- Benefits available for an extensive range of inpatient services
- Cover tailored to suit the needs of your company and employees
- Discounts available at clothing, exercise and travel insurance partners
Deal VERIFIED
Get 6 weeks free on eligible Hospital and Extras cover
Expires 30 Nov 2022
Join by 30 Nov 2022 to get 6 weeks free after 4 months. Eligible for all Australian residents excluding WA. T&Cs apply.
Benefits
- Owned by its members
- Save 4% when you pay your premiums by direct debit
- Free personal health app
- Wide range of discounts on optical and dental services
Benefits
- No hospital excess for dependant children
- Only one hospital excess amount per person per calendar year
- 10% member discount on travel and pet insurance
- Heart cover included in all hospital products
- Free Victor Chang heart health checks with extras cover
Benefits
- Agreements with more than 500 private hospitals and day surgeries
- Wholly owned by its members
- Value for money and personal service
Benefits
- Operates its own network of dental and optical centres
- Free online health management tool
- Newborn member support program
Code VERIFIED
Get 6 weeks free. PLUS 2-month waits on extras waived
Expires 30 Sep 2022
Offer applies for new joins on hospital and extras by 30 September. T&Cs apply.
Benefits
- Premiums consistently among the lowest in Australia and benefits among the highest
- Choice of GP and ancillary service providers
- Access to over 500 private hospitals throughout Australia
Benefits
- Optional known or no gap medical benefits cover
- No exclusions in hospital products
- A wide choice of extras cover to suit lifestyles and budgets
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Benefits
- Easy claiming for extras from your mobile
- Free online advice and health tips for members
- Over 12,000 provider locations Australia-wide
- Medibank nurse 24/7 hotline with hospital cover
- Rewards for healthy choices
Benefits
- List of no-Gap providers
- Handy claims app
- Discounted premiums when you pay via direct debit
Benefits
- Cover for all Defence Force members
- 10% discount for serving Defence Force members
Benefits
- Choose your own extras provider
- No annual limits on ambulance transport anywhere in Australia (excluding QLD, and TAS state ambulance services)
- No annual limit on preventative dental
Benefits
- Preventative dental cover
- Emergency and non-emergency ambulance cover
Benefits
- Wide range of eye care discounts
- Online health and wellness portal
- Simple, affordable private health insurance
Code exclusive
Get 6 weeks free + Waive 2 & 6 months waiting periods
Expires 1 Nov 2022
Join hospital only or combined hospital & extras cover by 31 October 2022 for new members.
Deal VERIFIED
Get $100 gift card + 10% off on extras premium (with combined cover)
Join hospital only or combined hospital & extras cover for new members. T&Cs apply.
Benefits
- Members Own Health Fund
- Eyewear discounts available
- Fast and simple claims process
- Award-winning health fund
Benefits
- 99% customer service satisfaction rating
- Members Own Health Fund
- No limit to your choice of providers
Benefits
- Members Own Health Fund
- Mobile claims app
Deal VERIFIED
Join Qantas Health Insurance and earn up to 120,000 Qantas Points
Expires 30 Nov 2022
Plus, skip the 2 & 6 month waiting periods on Extras with combined Hospital and Extras cover. Eligibility criteria and T&Cs apply.
Benefits
- Receive discounted prices if you are an existing Qantas Frequent Flyer member
Benefits
- Online health and wellness portal
- Eyewear discounts available
- Not-for-profit health fund
Benefits
- Australia-wide coverage through a national network of 460 hospitals and 21,000 doctors
- Coverage for up to 90% of optical and dental costs
Benefits
- Optical and dental discounts available
- Free health management programs
Benefits
- Not-for-profit health fund
- Health and wellbeing program for members
- Personalised service
- Easy claims process
Benefits
- On average 20% lower contribution rates than all other health funds
- Management and administration expenses well below the industry average
- A private room in a private hospital with Mid and Top Hospital cover
- Free access to health support programs
- Access to a range of discounts from health providers
Benefits
- Membership available to all Australians
- 100% back on dental and physio
- Flexible and affordable cover
Benefits
- Members Own Health Fund
- Wide range of cover options
- Large selection of wellness programs and health initiatives
Benefits
- Get 10% off Allianz Global Assistance travel insurance
Benefits
- Member Advantages program to reward member loyalty
- Wide range of cover options available
Finding the right health cover is like taking out any form of insurance. You need to compare policies and identify the one that is the fit for you and represents the value for money. The following are some things to bear in mind when doing so.
- Review your cover regularly (at least once a year), as circumstances change (both your fund’s and your own)
- If you find a better deal, switch fund, as it is easier than you think and your current benefits and status are fully transferable under law
- Consider having your hospital cover and extras cover with separate funds if you find good independent offers on each
- Select a higher excess if you can afford it, to reduce the cost of your premium
- Be wary of policies that have both an excess and a co-payment, as you could end up paying both
- Look for policies that offer full ambulance cover, not just emergency cover
- Make sure your fund has agreements with your doctor and local hospital to avoid paying a gap.
When looking for health cover, it’s important to look at the fund as well as the policy to make sure they would be able to fulfil their part of the bargain if you make a claim. You can learn something about a fund’s industry standing, claims record and customer service levels from their online presence and also through industry forums on social media.
The health insurance industry in Australia is regulated by the Private Health Insurance Administration Council (PHIAC), which conducts quarterly reviews of health funds to ensure compliance. The Private Health Insurance Act 2007 gives the PHIAC the power to issue directives and enforce compliance if necessary, so consumers can be fairly confident that, in Australia at least, our private health insurance industry is well regulated and financially sound.
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Bupa and ahm are among the health funds offering payments.
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