Top 3 feature
- Good for making a simple, easy-to-understand choice.
- Good for young people looking for their first health insurance policy.
- Good for mix and matching hospital and extras to meet your needs.
Originally just for the transportation industry when established in 1888, Transport Health has been providing health cover for all Australians for five years. Their combined Hospitals and Extras Cover is great for young singles and couples making their first foray into the world of health insurance.
Transport Health offers mix and match combines policies, so you have the flexibility you need to pair the extras you like with the hospital cover you need.
Their provides one pre-packaged Hospital and Extras policy is Young Singles/Couples Combined Hospital Cover, for relatively young and healthy people without children. It offers mid-level hospital cover and includes Transport Health basic extras cover with useful added benefits.
Extras you'll be covered for include;
Hospital cover includes the following treatment;
For your hospital cover, either excess or a co-payment will apply for when you visit hospital.
Excess is only paid for your first visit to hospital in a year, and you can reduce your excess by paying a higher premium.
A co-payment is applicable to each hospital visit, and some of Transport Health's policies include a co-payment instead of excess. The daily co-payment figure must be paid for the duration of your stay in hospital.
For services that aren't entirely covered by Medicare and your private health provider, you may have to pay the gap. Transport Health have access to a large network of doctors and hospitals through their Gap Cover Scheme, who have agreed to their No Gap Scheme to bill Transport Health directly, with no cost to you.
When going to a Transport Health agreement hospital, the hospital will typically contact Transport Health directly to settle up, and you won't need to make a claim. However, you will need to pay the applicable $250 excess directly to the hospital following discharge.
Practitioners in hospitals may bill separately. When they choose to participate in the Access Gap scheme, the bill will be sent directly to Transport Health. When they do not, you can send a two-way claims form through Medicare.
To claim extras, you can generally just swipe your membership card where service providers have HICAPS facilities. For those that don't, you can send in a claims form instead, via email to email@example.com or in the post. You can also download the Transport Health Insurance App.
finder.com.au is one of Australia's leading comparison websites. We compare from a wide set of major banks, insurers and product issuers.
finder.com.au has access to track details from the product issuers listed on our sites. Although we provide information on the products offered by a wide range of issuers, we don't cover every available product. You should consider whether the products featured on our site are appropriate for your needs and seek independent advice if you have any questions.
Products marked as 'Promoted' or "Advertisement" are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options and find the best option for you.
The identification of a group of products, as 'Top' or 'Best' is a reflection of user preferences based on current website data. On a regular basis, analytics drive the creation of a list of popular products. Where these products are grouped, they appear in no particular order.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment.
We try to take an open and transparent approach and provide a broad based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labelling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.