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Health insurance advice

Do you have questions about health insurance? Read on to see if the advice on this page can help.

Finding the right health insurance policy is crucial to ensuring all your family’s health care needs are met, but private health insurance is a confusing topic and good advice on choosing a policy is hard to come by. There’s a wide range of factors you need to consider when choosing private health insurance, from excesses and exclusions to your own cover needs and financial situation, and there’s a huge variety of policies available.

In order to find a policy that’s right for you, it’s essential to get personalised advice tailored to suit someone in your situation. However, finding reliable and accurate advice isn’t easy, and you’ve also got to know what sort of information to look for.

So if you want reliable health insurance advice to help you find the right policy, find the relevant health insurance guide for you on this page. Whether you’re young or old, single or starting a family or looking for basic or comprehensive cover, click through to the guide that will help you get the advice and assistance you need.

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Guides for your health insurance needs

Looking for health insurance advice tailored to suit your cover needs? Check out the relevant guide below based on your life stage, family status or specific health insurance requirements.

See if you will benefit from health insurance

Health insurance is complicated – not to mention expensive. It can be hard to figure out if you even need it to begin with. We've created a quiz to help you find the answer, within a minute you'll know if you could benefit from private health insurance.

Find health insurance advice based on your lifestage

What are you looking for?Health insurance guides
Health insurance advice for seniors
Health insurance advice for parents
  • Health insurance for parents of young children and teenagers. This guide explains how to take out cover for children, examines what is covered by family health insurance policies and how you can choose the hospital and extras cover you need.
Health insurance advice for empty-nesters
  • Health insurance for empty-nesters. Information and advice on how your health insurance needs change when the kids leave home, and a look at the services you should consider adding to or dropping from your policy.
Health insurance advice for singles
  • Health insurance for singles. This guide looks at what sort of cover singles need and how you can find a policy that’s right for you, as well as how you can make the most of tax benefits.
Health insurance advice for childless couples
  • Health insurance for childless couples. This guide examines the advantages of taking out couples health insurance and the features and benefits you should look for in a policy.
Health insurance advice for young adults
  • Health insurance for young adults. Information on what happens when you turn 25 and need to leave your family health insurance policy, as well as how to find affordable health insurance cover for young adults.
Health insurance advice for students
Health insurance advice for non-Australian citizens
  • Health and life insurance for visitors and temporary residents. Information on what non-citizens of Australia can do to get the health insurance and life insurance cover they need when visiting Australia.
  • Health insurance for overseas students. This guide looks at the benefits provided by Overseas Student Health Cover (OSHC) and explains why students from Belgium, Norway and Sweden may not need to take out cover when visiting Australia due to Reciprocal Health Care Agreements.
  • Health insurance for NZ citizens. If you’re a NZ citizen moving to or visiting Australia, this guide explains whether or not you will be eligible for Medicare and the benefits of taking out private health insurance.

Find health insurance advice based on specific health issues

What are you looking for?Health insurance guides
Health insurance advice for people with pre-existing conditions
  • Health insurance for pre-existing conditions. Do you suffer from a pre-existing condition? This guide explains how pre-existing conditions can affect your ability to find private health insurance and examines the waiting periods that apply when you take out cover.
Health insurance advice about dental cover
  • Health insurance for dental. This guide investigates which health insurance policies cover dental and oral surgery and the benefits you will be eligible to receive.
  • Health insurance for orthodontics. If you need health insurance for orthodontic treatment, this guide explains what will and won’t be covered and the benefit limits that may apply.
Health insurance advice about mental health issues
  • Health insurance for mental health issues. Information on how mental health treatment is covered by private health insurance in Australia, as well as how to find a policy that provides the mental health cover you need.
Health insurance advice about prostheses
  • Health insurance for prostheses. This guide investigates whether private health insurance covers prostheses, what waiting periods apply and how you can find the right policy for your needs.
Health insurance advice for diabetics
Health insurance advice about pregnancy
  • Health insurance for pregnancy. If you’re thinking of starting a family, this guide explains how you can find health insurance that covers pregnancy, when to take out cover and the waiting periods that apply.
Health insurance advice about obesity
  • Health insurance for obesity. How does obesity affect your health insurance needs? What sort of treatment, surgery and weight loss programs are covered by Australian health funds? You’ll find the answers you’re looking for here.
Health insurance advice about alternative medicine
Health insurance advice about podiatry
  • Health insurance for podiatry. Information and advice on how you can find health insurance for podiatric treatment and the level of cover Australian health funds will provide.
Health insurance advice about ambulance cover
  • Health insurance for ambulance cover. Ambulance services in Australia are not covered by Medicare, so this guide explains how you can compare and choose private health insurance policies that provide ambulance cover.
Health insurance advice about cosmetic surgery
  • Health insurance for cosmetic surgery. This guide examines the types of plastic and reconstructive surgery that are covered by private health insurance as well as which procedures and treatments are excluded or restricted.
Health insurance advice about hearing aids
  • Health insurance for hearing aids. Does health insurance cover hearing aids? What other audiology benefits are offered by Australian health funds? You’ll find the answers you’re looking for here.

Find advice on health insurance and money

What are you looking for?Health insurance guides
Advice on how to find cheap health insurance
  • How to find cheap health insurance. This policy provides a range of useful tips to help you find a more affordable health insurance policy.
Advice on why health insurance premiums increase
  • Why do premiums increase? This guide explains why Australian health insurance premiums increase every year and how you can minimise the effect of these price rises on your bank balance.
Advice on gap cover and out-of-pocket expenses
  • Gap cover and out-of-pocket expenses. This guide explains everything you need to know about private health insurance and gap cover, and what you can do to keep your out-of-pocket medical expenses to a minimum.
Advice on the private health insurance rebate
  • Private health insurance rebate. Are you eligible for the Australian Government Rebate on private health insurance? How much is the rebate and how do you receive it? You’ll find the answers in this guide.
Advice on how to save on health insurance
  • How to spend less on health insurance. From regularly reviewing cover to switching health funds, this guide provides several tips on how you can cut the cost of health insurance premiums.
  • Advice on health insurance and taxes
  • Health insurance and taxes. How does health insurance affect your income tax return? You’ll find the answers here.
Advice on where to find health insurance discounts
  • Where can I find health insurance discounts? Want to save money on your health insurance premiums? Here’s how to take advantage of health insurance discounts and benefit payments to do your wallet a favour.
Advice on switching health funds
  • Switching health insurance. Can switching health funds can help you to find better and more affordable cover? This guide explains how to compare and choose health funds, as well as the effect that switching has on waiting periods.

Find advice on how choose and manage a health insurance policy

What are you looking for?Health insurance guides
Advice on how to choose a policy
Advice on what private health insurance covers
  • What does private health insurance cover? This guide investigates which expenses are covered by hospital cover, extras cover and combined policies, as well as the different levels of health insurance cover available.
Advice on how to make a health insurance claim
  • How to make a claim. Find information and advice on the options available when you need to lodge a health insurance claim.
Advice on what to do if you are hospitalised
  • What to do if you go to hospital. Here’s everything you need to know about health insurance, excesses and co-payments if you are hospitalised.
Advice on how to manage your health insurance policy
  • How to manage your policy. This article explains the difference between hospital and extras cover, how to find health insurance discounts and how to pay your premiums.
Advice on using health insurance extras cover
  • Using health insurance extras. This guide explains what benefits are provided by health insurance extras cover and how you can get the most out of your policy.
Advice on the difference between private health insurance and Medicare
  • What’s the difference between private health insurance and medicare? What does Medicare cover, what does private health insurance cover and what do they cover side by side? Find out here.
Advice on health insurance waiting periods
  • Health insurance waiting periods. What are waiting periods and how do they affect your health insurance cover? Find out here.
Health insurance FAQs
  • Health insurance frequently asked questions. If you have any other questions about health insurance or how to choose or manage a policy, you’ll find the answers here.

Get personalised health insurance advice

The guides above are an extremely useful resource for anyone trying to find the right health insurance policy, but if you want personalised advice and assistance to help you find the perfect policy, consider contacting an insurance broker. Every individual has different health insurance needs, so getting expert advice from a broker can mean the difference between getting a good policy and a great one.

Professional brokers are experts when it comes to the insurance industry. They have an in-depth understanding of how health insurance works and the choice of policies available, and they will also take the time to assess your financial situation and cover needs before matching you with a health fund.

Brokers work in your best interests to help you find health insurance that’s right for you. And in most cases you won’t have to pay a cent when you visit a broker, as brokers make their money on the commissions they receive from insurers.

Whatever your health insurance questions may be, you’ll find the answers you need by contacting a broker or reading one of the above guides. If you still can’t find what you’re looking for, leave a comment below and a insurance expert will be in touch as soon as possible to help.

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Richard Laycock

Richard is the Insurance Editor at finder, and has been wrangling insurance Product Disclosure Statements for the last 4 years. When he’s not helping Aussies make sense of the fine print, he can be found testing the quality of Aperol Spritzes in his new found home of New York. Richard studied Journalism at Macquarie University and The Missouri School of Journalism, and has a Tier 1 certification in General Advice for Life Insurance. He has also been published in CSO Australia and Dynamic Business.

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