Health Insurance Finder™ is a 100% free, Australian-owned comparison service designed to help you find suitable cover for your needs.

Find a better deal on health insurance

Health insurance can save you money on tax, give you discounts on dental and help you skip the waiting lists when you need hospital treatment.

How does it work?

See quotes from 30+ funds.

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What is private health insurance?

Health insurance helps you cover the cost of private hospital treatments as well as some out-of-hospital services, such as benefits for dental. When choosing medical insurance, you can pick hospital cover, extras cover or a combined policy with both.

There are several difference between the public system (Medicare) and private when it comes to your healthcare.

Medicare Private health insurance
Public hospital services
  • Yes
  • Yes
  • No
  • Yes
Private room or hospital
  • No
  • Yes
Everyday health (dentist, physio, etc)
  • No
  • Yes

Find health cover that suits your life

Choose your own care

Have peace of mind, whether you want choice over your hospital or your surgeon, or you just want to feel safe in the knowledge that you’ve got protection.

Save on tax

Just want a basic policy that means you don’t get penalised? We got you. Health insurance means you can avoid fearing that claim form at tax time.

Don't wait

Don’t want to sit on a public waiting list for surgery? Private health insurance can help. You’ll be able to receive treatment quicker, in a private room and from a doctor that you choose.

Get cash back

If you get regular massages, physio treatments or you just like keeping your teeth in great condition, these out-of-hospital treatments are only covered by private health insurance.

Private health insurance options

It's up to you to decide what type of private health insurance you'd like cover for:

Hospital only

A hospital policy covers you for hospital procedures and accommodation, you can also choose your doctor. Hospital cover is also what you need to avoid the Medicare Levy Surcharge (MLS).

Health insurance hospital cover

Extras only

Extras cover allows you to claim for out-of-hospital health services such as dental and physio. Extras pay either a set refund or a percentage refund.

Health insurance extras cover

Combine Hospital and Extras

A combined policy includes cover for both in and out of hospital services. They are often labelled as packages such as young couples - but you can also mix and match your own.

Combined Packages

Overseas Visitor Health Cover

If you're visiting Australia to work (OVHC) or study (OSHC), you may need overseas visitor health cover. Whether you want basic visa requirements or comprehensive - there are many options.

Compare OVHC or Compare OSHC

How much does health insurance cost?

Private health insurance is community rated meaning that no matter how old you are or whether you have any pre-existing conditions, everyone pays the same amount for the same cover.

The cost of health insurance comes down to the choices you make. A basic hospital policy can start from $16 a week and an extras policy from just $3 a week with April 2018 pricing.

There are ways that you can save a few dollars:

  • Prepay for your policy before 1 April each year. Every year on 1 April, health insurance premiums go up. If you prepay 12 months' worth of premiums before 1 April, you can postpone the rate rise's effect on your hip pocket.
  • Annual payment discounts. If you're planning on paying for your policy in advance for the next year, look for a fund that offers discounts for doing so. Some of these funds offer discounts of up to 4%.
  • Direct debit discounts. While we're on the topic of payment discounts, some funds offer a 4% discount for customers who pay for their premiums by direct debit.
  • Health discounts. Some funds, such as myOwn, are dipping their toes in the water and starting to reward their healthier members with discounted premiums.

What happens if you don't have private health insurance?

The Australian Government has introduced a number of schemes to encourage people who can afford private health insurance to take it out. Private health care takes the burden off the public health system so people who really need it can access it when they need to. There are a few schemes that may impact you.

  • Lifetime Health Cover (LHC) loading. This is designed to encourage Australians to maintain health insurance from a younger age. It does this by increasing premiums by 2% for every year after your 31st birthday that you don't have cover.
  • Medicare Levy Surcharge (MLS). This is an additional tax penalty ranging from 1% to 1.5% of your annual income, depending on how much you earn, and is applied every year that you do not have an adequate private health insurance policy.
  • Private health insurance rebate. One of the major benefits of having private health insurance is being able to claim the private health insurance rebate. The rebate is determined by your age, your relationship status and your income.

What's new in health insurance?

Health insurance in Australia is changing. For more details on the upcoming healthcare reforms and what they mean for you, check out our detailed analysis or watch the 2-minute video below.

Can you get cover if you're not an Australian citizen?

Yes, you can. Australian health funds offer a range of cover options for those moving to Australia. These policies are called Overseas Visitors Health Cover (OVHC) or Overseas Student Health Cover (OSHC). The type of cover you need will depend on your visa. However, people from countries that Australia has a Reciprocal Health Care Agreement with can access a certain level of subsidised treatment from Medicare. Be aware that the benefits are very limited, with anything but the most vital medical services likely not covered.

Reciprocal Health Care Agreement countries

RHCA countries that don't require health insurance

How to compare health insurance

Each health fund is different, policy prices, services covered, annual benefit limits, excess options and sign up offers can vary. Follow these key steps when comparing:

  • Think about your requirements.Tailor your search to your budget and lifestyle.
  • Find out what services you're paying for. Make sure you're not paying for things you won't use.
  • Shop around. Don't just go with the brand you know the most, you may end up paying more.
  • Consider all the costs. Remember to check excesses, limits and co-payments.
  • Know what the annual benefit limits are. Extras apply benefit limits to many included services.

Looking to save? Check out these health insurance deals

ahm Deals ahm Deals

Free gift voucher up to $200 when signing up for hospital & extras.

Singles get up to $100, couples and families get up to $200. Voucher can be used at Myer, JB Hi-Fi or Coles.

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Get deal

Deal ends

myOwn Deals myOwn Deals

Get free access to AIA Vitality when you sign up for health insurance

Includes up to 50% off Virgin Active and Fitness first gym membership.

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nib Health Insurance Deal nib Health Insurance Deal

Waive 2 & 6 month waiting periods on Extras

No waiting period for selected extras when you buy Hospital + Extras.

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Get deal

Deal ends

CUA Health Deals CUA Health Deals

4% discount on your health insurance premiums

Get 4% discount when paying from a CUA everyday account.

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Health Insurance Frequently Asked Questions

Latest health insurance news

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33 Responses

  1. Default Gravatar
    NikkoJune 20, 2018

    How to combine two existing top (premium) health cover policies from adult single to a couples when both are with separate insurers? Wish to compare which of these two insurers would best cover the two of us as a couple whilst neither one loses benefits or has a waiting period. We both have been with our respective health providers for over ten years continuously.

    • finder Customer Care
      JeniJune 21, 2018Staff

      Hi Nikko,

      Thank you for getting in touch.

      If you’re currently on separate policies, the first step would be to see if you can save any cash by combining your policies – we’ve added a bit of info on that here – it doesn’t always work out cheaper and it’s probably worth a closer look.

      With your waiting periods, they are different for hospital cover and general treatment (extras) cover. All of your hospital waiting periods that you’ve already served travel with you to the new policy – so if you do decide to combine your policies, you should be covered.

      Keep in mind, you’ll still have to serve waiting periods for any new benefits that you didn’t have before (such as pregnancy cover and also extras).

      If you already have a preferred health fund from your two options – it may be worth giving them a call as they can move you onto one package.

      I hope this helps. Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!


  2. Default Gravatar
    SusanMay 25, 2018

    As a couple over 50 we would like private hospital cover with general dental, optical, physio and chiro.. what is the best option?

    • finder Customer Care
      NikkiMay 25, 2018Staff

      Hi Susan,

      Thanks for getting in touch with finder.

      You may view this page to check on health insurance for over 50s.

      Hope this was helpful.


  3. Default Gravatar
    KevinMay 24, 2018

    Hi there. My wife is already pregnant and the pregnancy insurance waiting period is 12 months!! So how does PHI work to cover her when she is giving birth? What is the solution around this?

    • finder Customer Care
      JhezelynMay 25, 2018Staff

      Hello Kevin,

      Thank you for your comment.

      To be qualified for the private health insurance you’re advised to take out the policy in advance before attempting to conceive. Most Australian private health funds have a 12 month waiting period for obstetric services.

      This is explained on these pages:

      I am afraid that no PHI will consider your wife’s condition as she is already pregnant, however, you can still contact the insurer directly and see what options they can offer you. I hope this helps.


  4. Default Gravatar
    JoApril 19, 2018

    How does Defence Health compare to other health funds in terms of value for money – cost of premium to rebate received. The mo they premium certainly appears a lot higher than other funds but do the rebates reflect that?

    • finder Customer Care
      JeniApril 22, 2018Staff

      Hi Jo,

      Thank you for getting in touch with finder.

      Defence Health offers a range of health insurance options to more than 235,000 Australians with Defence connections. With hospital and extras cover to suit everyone from the young and healthy to those who need comprehensive protection, it provides affordable cover and peace of mind.

      You may want to know more by clicking on this link.

      I hope this helps.

      Have a great day!


  5. Default Gravatar
    MarcoMarch 19, 2018

    Hi, are quoted premiums before or after any Govt rebates?

    • finder Customer Care
      NikkiMarch 26, 2018Staff

      Hi Marco!

      Thanks for your question and for visiting finder.

      Quoted premiums are before government rebates. Rebate rates are subject to change based on the cost of living and the average health insurance premium amount. It would be helpful to check with your health insurance provider on their ongoing rates as well.

      Hope this helps!

      Thanks and best regards,


  6. Default Gravatar
    SteveMarch 8, 2018

    What does the question “Do you qualify for a restricted fund?” mean.

    • finder Customer Care
      RenchMarch 8, 2018Staff

      Hi Steve,

      Thanks for your inquiry. Restricted health funds are funds where membership is restricted to certain people. They are usually operated by industry or employment groups and are not-for-profit, being run solely for the benefit of their members. You can know more information on this page.

      Best regards,

  7. Default Gravatar
    ShaunOctober 4, 2017

    With premiums that keep increasing, I am now paying around $94 a month ($1128 per year) on something that I have never actually used over the last 6 years!
    What is the actual consequence if I walked out of heath insurance (don’t mention hypothetical scenarios such as me getting into an accident)?
    How much am I actually penalized on my tax?

    • Default Gravatar
      GruOctober 5, 2017

      Hello Shaun,

      Thank you for your question.

      If you would decide not to take on private health insurance, please be ready to face out-of-pocket costs if you do get hospitalised or need medical care and services. Out-of-pocket costs will vary greatly depending on the hospital you go to and the doctor or specialist they see.

      As per being penalised for not taking out health insurance, yes would. Another reason Australians commonly take out private health insurance is to avoid financial penalties. Australia’s tax system encourages high-income earners to take out private health insurance as well as paying the 2% levy to help fund Medicare and the National Disability Insurance Scheme.

      If you do not take out private health insurance, you will pay a 2% tax penalty called the Medicare Levy Surcharge.

      Hope this helped.


  8. Default Gravatar
    AleishaSeptember 5, 2017

    I am 76 years old. What do I need to cover with private health insurance that I am not covered for as a pensioner? Thank you.

    • Default Gravatar
      LiezlSeptember 6, 2017

      Hi Aleisha,

      Thanks for reaching out.

      Medicare does not provide cover for the following:
      – most dental examinations and treatment,
      – most physiotherapy, occupational therapy, speech therapy, eye therapy, chiropractic services, podiatry or psychology services,
      – acupuncture (unless part of a doctor’s consultation),
      – glasses and contact lenses,
      – hearing aids and other appliances

      You may, however, arrange private health insurance to cover many of these services. You may compare health insurance for seniors over 70 on this page. Please make sure to click the “More Options” button to select the correct age range, before clicking the “Search Policies”.

      I hope this has helped.


  9. Default Gravatar
    AnitaAugust 3, 2017

    I want to find a better cover at a better price than what I already have.

    • Default Gravatar
      LiezlAugust 3, 2017

      Hi Anita,

      Thanks for reaching out. You can definitely do that by using our policy search engine above. Simply enter your details and type of cover you want. Once you click the “Search Policies” quotations from different brands will be generated. You may then click the “Go to Site” button to get the quote and for more details.


  10. Default Gravatar
    DionneJune 29, 2017

    Hi, just want to check our current policy with other providers to ensure we are adequately covered and what we currently require.

    • Default Gravatar
      JonathanJune 29, 2017

      Hello Dionne!

      Thanks for the question! You are actually on the right page! :)

      Scroll a bit below, you would see different health insurance available in finder, such as health funds, EoFY deals, hospital and extra covers, and overseas. You may select which one is applicable for you.

      Once redirected to another page, use our form and click “Search Policies” orange button.

      If you need further help on this matter, you can talk to an insurance advisor or financial adviser.

      Hope this helps.


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