Peoplecare health insurance is a not-for-profit health fund that was established in 1952. It offers 5 hospital policies, 4 extras options and benefits ranging from gift cards to no gap dental.
Review by our insurance and innovations editor Gary Ross Hunter
A not-for-profit fund, Peoplecare is run in the interests of its members and aims to pass on profits to its customers in the form of improved products and premium rates.
Entry to Peoplecare is non-restricted, so any Australian who is eligible to take out private health cover can join the fund.
With an emphasis on customer service, Peoplecare has a 24-hour Online Member Services department ready to field any questions you may have. It can also provide national coverage, as it has agreements in place with over 37,000 doctors and 540 private hospitals around the country.
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A policy with Peoplecare comes with a few perks. These include:
Peoplecare aims to make the process of lodging a claim as easy as possible. If you incur hospital costs, in most cases the hospital will send the bill straight to your health fund. Peoplecare will then take care of the cost for you.
When it comes to medical claims, doctors should again send any claim straight through to Peoplecare, but if they don't you will need to claim from Medicare first and Medicare will then forward your claim on to Peoplecare.
Finally, if you need to make an extras claim there are several options at your disposal:
Peoplecare does not directly offer overseas visitor health cover (OVHC) or overseas student health cover (OSHC) hospital policies, but will redirect you to their partner insurer Allianz Care where you can buy these policies.
Peoplecare does offer one standalone extras policy aimed at overseas students. It is called OSHC extras and it offers cover for general dental, some major dental, optical, physio, chiro and osteo therapies.
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