Finder makes money from featured partners, but editorial opinions are our own.

Compare health insurance you’ll actually want to use

30+ Australian health funds compared in a jiffy, we won't even ask for your phone number (cause we all hate those calls).

Who is this cover for?

Some of the health funds we compare

Why compare health insurance with Finder?

No contact details required to see prices

You won't receive any callbacks from Finder if you compare with us.

See prices for nearly every fund in Australia

Our database has offers from 30+ providers and is updated daily.

Free to use—No markup guarantee

You pay the same price as buying directly from the insurer.

How it works


Tell us about yourself

Answer some simple questions about yourself and what kind of cover you need. It takes less than a minute.


Compare the results

Compare relevant policies from our database based on the factors you care about most, including price.


Apply for a policy

Click straight through to the provider's site and apply for your chosen policy.

Thousands of Australians compare health insurance with Finder every month

4.69 average rating from 805 reviews

As seen on

Compare health insurance policies from 30+ funds in under a minute

Compare Now

What does private health insurance cover that Medicare doesn't?

Private health insurance gives you access to the same hospital services covered by Medicare – but you get access to your own doctor, private room and waiting times are significantly shorter.

Extras insurance cover does cover healthcare costs that aren't typically covered by the public healthcare system, such as dental, physiotherapy and optical.

If you go to a private hospital as a private patient, Medicare will pay 75% of the Medicare Benefits Schedule (MBS) fee. Your health insurance covers the other 25%, plus accommodation costs and theatre fees. Sometimes there's a gap between the MBS fee and the total cost of your procedure. You may need to pay this unless your health insurance has no gap cover.

Public vs private health insurance comparison

Not sure if private health insurance is worth it? Here are some key differences between the public and private healthcare systems in Australia:

Public system Private health insurance
DoctorA public hospital will allocate a doctor for you. You don't get to choose.You can choose which doctor you see.
Private roomYou'll likely end up in a shared room in a public hospital.Insurance gives you access to a private room if there's one available.
Waiting listsWaiting lists for elective treatments can range from a few weeks to a few years.Private insurance usually involves a shorter wait. For some procedures, you may even be able to pick your date.
Treatment typesMedicare doesn't cover most dental, hearing aids or other out-of-hospital treatments.Extras can give you cashback on out-of-hospital services such as optical, dental, psychology and hearing aids.
Ambulance costsIn most cases, Medicare won't pay for your ambulance except in Queensland and Tasmania.Most health funds include cover for an emergency ambulance, even on Basic policies.

Pros and cons of health insurance


  • Cover for treatment in a hospital if you need it
  • Access to private hospitals and reduced wait times
  • Save on tax by avoiding the medicare levy surcharge (MLS)


  • Can be expensive and go unused
  • Waiting periods mean you pay before you can use
  • Coverage limitations and excesses mean you'll still have to pay something

Learn more about private health insurance

Hospital Cover

Hospital cover helps pay for a range of hospital treatments in a private hospital. This can include joint reconstructions, hernia operations and childbirth.

Extras Cover

Extras cover helps towards out-of-hospital healthcare. This includes trips to the dentist, eye care by an optometrist, physiotherapists and natural therapies.

Health insurance rebate

The private health insurance rebate makes health insurance cheaper for most people. Your exact rebate is determined by your age and income.

Private health and tax

Whether you're a high earner or turning 30, there are a few things you need to know about private health insurance at tax time.

Switching health funds

Switching health funds is quick and easy. You can transfer your waiting periods, while potentially saving money with new sign-up deals.

Alex Holderness

Getting health insurance had been on my to-do list for the longest time, but I found it very confusing. I realised it was actually split into two parts - hospital cover (anything in the hospital and the more expensive part) and extras cover (for the dentist and those new specs). I've actually switched policies 3 times in the last 4 years to take advantage of the sign up offers funds give when you join. I've saved around $800 so far.
— Alex Holderness, head of publishing

Frequently asked questions about health insurance

Tim Bennett's headshot
Written by

Insurance Expert

Tim Bennett is a Finder insurance & utilities expert. For over 10 years he's reported on news, politics, finance and other topics as a journalist and radio presenter. Tim's roles have included radio news reader and breakfast at the ABC, news producer for SBS and producer for Fairfax Media. Tim regularly appears as a health insurance expert on programs like Sunrise and SBS news, as well as in the Australian, The Daily Telegraph, The Courier Mail and more. See full bio

Tim's expertise
Tim has written 116 Finder guides across topics including:
  • Personal finance
  • Financial comparison
  • Heath insurance
  • General insurance
  • Life insurance

Read more on this topic

  • Cost of childbirth in Australia: Public vs private costs

    Prenatal care in Australia is covered by Medicare, meaning it’s mostly free through the public system. You can choose to go private, which comes with a lot of benefits – but there are out-of-pocket expenses to watch out for.

  • 8501 visa condition

    The 8501 visa condition means you need to get health insurance for your stay.

  • Latrobe Health Insurance Review

    See if Latrobe health insurance is right for you.

  • RT Health Fund Review

    RT Health Fund offers a range of health cover options to transport and energy industry employees and their families.

  • Defence Health Insurance Review

    Do you qualify for Defence Health health insurance? Find out what you could receive and what options are available to ADF members as well as their families and siblings.

  • Australian Unity health insurance review

    Looking for health cover but aren't sure which policy is best? This article looks at Australian Unity's health insurance options and helps you decide whether any of its policies are what you need.

  • Best health insurance – seriously sick options

    Our experts compared 30+ funds and analysed hundreds of policies to help you find the best health insurance.

  • Health Insurance Queensland

    Start your search today to find a Queensland health fund that offers value for money and the cover you need.

  • HCi review

    HCi is a not-for-profit health fund that offers hospital, extras and combined cover that includes a wide range of medical services and treatments.

  • HIF health insurance review

    As a not-for-profit brand, HIF is able to offer low premiums across both hospital and extras policies.

Ask a question

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

53 Responses

    Default Gravatar
    JulianJune 19, 2024

    Could you kindly break down the cost for me per person.

    For myself I need a very basic Health insurance plan 33 year old male.

    For my Wife something that will cover pregnancy, scans etc should that be our luck to fall pregnant.

    And then something for a minor , 3 year old that would cover xrays scans, doctor visits etc.

      SarahJuly 2, 2024Finder

      Hi Julian,

      The premium is calculated based on all of you as a family. Usually, it doesn’t cost any extra to add a child to a policy. Things like GP visits are generally covered by Medicare and most doctors bulk bill for under 16s, meaning these visits have no cost.

      As for you and your wife, as you have different needs, you could look at taking our two seperate policies: yours basic, hers more fully featured to cover pregnancy etc. However it is often cheaper to get a couples policy.

      Note that extra are optional, you may want to go without extras cover to reduce the cost of your premiums.

      Hope this helps!

    Default Gravatar
    HtaMay 21, 2024

    Hi, could I please ask which insurance covers HPV treatments, including wart treatment, pap smear and other HPV related treatments if needed?

      SarahMay 24, 2024Finder

      Hi Hta,

      All of these treatments would be managed through a GP, which is linked to Medicare. You would need to go to your GP or a sexual health clinic for treatment, and you would be eligible for Medicare rebates if you’re entitled to Medicare Benefits.

      Health insurance could provide some cover if you ever need day surgery related to HPV, but you would still likely be out of pocket (hospital excess, gap payments and doctor’s fees) even with insurance. So if that was your primary reason for taking out health insurance, the financial benefit might not be enough incentive, considering the high cost of premiums.

      Of course this is a personal decision, and you have to consider things like your income and the medicare surcharge (more info here if you’re not aware).

    TimMarch 6, 2024Finder

    Hi Jason, thanks for your question.

    Health insurance premiums will be going up by 3.03% on average in 2024. The government has to approve these increases each year – this year took a little longer for that to happen. The price rise should happen on April 1 2024.

    Be sure to check the news article I linked – it’s got the breakdown of how much each health fund is increasing premiums. 3.03% is just an average across all funds – your fund will probably be slight more or less than that.

    Have a good one!

    Default Gravatar
    JohnSeptember 4, 2021


    Are there any such plans that cover foreign hospital treatments for people seeking treatment for cancer? I have pre-existing medical conditions and looking for health cover for overseas treatment. Please advice.

      JamesSeptember 12, 2021Finder

      Hi John,

      Unfortunately, most domestic health insurance policies don’t offer cover for treatment needed outside of Australia. However, travel insurance that specifically covers overseas medical expenses may help.

      Make sure you read each policy’s Product Disclosure Statement (PDS) with care so that you know what cover is available.

      Also, check to see if there are any reciprocal healthcare agreements in place between Australia and each country you’re intending to visit.


      JamesSeptember 10, 2021Finder

      Hi John,

      Unfortunately, most domestic health insurance policies don’t offer cover for treatment needed outside of Australia. However, travel insurance ( that specifically covers overseas medical expenses may help. Make sure you read each policy’s Product Disclosure Statement (PDS) with care, so that you know what cover is available.

      Also, check to see if there are any reciprocal healthcare agreements in place between Australia and each country you’re intending to visit.


    Default Gravatar
    RobertAugust 28, 2021

    I would like a real time answer to my request for cover .

      JamesAugust 30, 2021Finder

      Hi Robert,

      Can which cover you are referring to, please? I’ll wait for your response. If possible, please return to our website and click on the chat button found on the lower right corner of our to chat with us in real-time.

      Moreover, please feel free as well to get in touch with the specific insurer you have chosen. They should be able to provide you with more details of the cover you’re interested in.


Go to site