Australian Seniors health insurance review

Our verdict: Australian Senior's has some well priced policies, including some that are custom made for older Australians, issued by nib.

Australian Seniors Logo

Pros

  • Australian Seniors health insurance is issued by nib, one of Australia's biggest and longest running health funds.
  • Australian Seniors has a Silver Plus tier custom made for older Australians. It's similar to a Gold policy, but without high cost treatments like child birth and reproductive services. That makes it more affordable for seniors, who are less likely to use those services.
  • I called to ask a quick question about their Gold Policy while writing this article, and they were very nice.

Cons

  • The top Silver Plus policy doesn't cover some potentially important categories, including weight loss surgery and dialysis for chronic kidney failure. A full gold option is available over the phone, but you'll need to bundle it with extras.
  • Australian Seniors doesn't have a Basic tier hospital policy. That's okay, as they provide very little actual cover, but if you're only after a policy to avoid the Medicare Levy Surcharge, there are cheaper options.

Australian Seniors health insurance: Our verdict

Australian Seniors has some well priced policies, including some that are custom made for older Australians. While owned by Hollard, one of the biggest insurers operating in Australia, the health insurance product is issued by nib, giving it access to the entire nib network of agreement hospitals.

Australian Seniors is good if:

  • You're an older Australian who wants the option of cover that better fits your needs.

Australian Seniors is not great if:

  • You want a standalone Gold hospital policy.
  • You only want a Basic tier hospital policy to avoid the tax impacts of not having cover.

What types of health insurance does Australian Seniors offer?

1 - 10 of 16
Name Product AUFHI-NEW Treatments Price Apply Hide Compare
Seniors Health Insurance logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +18 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +4 other treatments covered
$140.20
per month
All treatments
Seniors Health Insurance logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +18 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +8 other treatments covered
$158.13
per month
All treatments
Seniors Health Insurance logo
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • +24 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +4 other treatments covered
$167.02
per month
All treatments
Seniors Health Insurance logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +18 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +9 other treatments covered
$182.29
per month
All treatments
Seniors Health Insurance logo
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • +24 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +8 other treatments covered
$184.95
per month
All treatments
Seniors Health Insurance logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +18 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +10 other treatments covered
$202.71
per month
All treatments
Seniors Health Insurance logo
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • +24 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +9 other treatments covered
$209.11
per month
All treatments
Seniors Health Insurance logo
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • +29 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +4 other treatments covered
$218.92
per month
All treatments
Seniors Health Insurance logo
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • +24 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +10 other treatments covered
$229.53
per month
All treatments
Seniors Health Insurance logo
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • +29 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +8 other treatments covered
$236.85
per month
All treatments
loading
Name Product AUFHI-NEW Treatments Price Apply Hide Compare
Seniors Health Insurance logo
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +14 other treatments covered
$99.22
per month
All treatments
Seniors Health Insurance logo
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +22 other treatments covered
$126.04
per month
All treatments
Seniors Health Insurance logo
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +26 other treatments covered
$177.94
per month
All treatments
Seniors Gold Hospital
Gold$750 excess
Seniors Health Insurance logo
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
  • +30 other treatments covered
$263.01
per month
All treatments
loading
Name Product AUFHI-NEW Treatments Price Apply Hide Compare
Seniors Health Insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +2 other treatments covered
$40.98
per month
All treatments
Seniors Health Insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +4 other treatments covered
$58.91
per month
All treatments
Seniors Health Insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +5 other treatments covered
$83.07
per month
All treatments
Seniors Top Extras
Extras cover
Seniors Health Insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +6 other treatments covered
$103.49
per month
All treatments
loading

Why compare health insurance with Finder?

  • We don't ask for your phone or email to see prices.

  • With 1 click, you can open your results to nearly every fund in Australia.

  • You pay the same price as going direct – we charge no fees.

Compare other products from Australian Seniors

Tim Bennett's headshot
Written by

Insurance expert

A seasoned journalist with over 10 years of experience in news, politics and finance reporting, Tim has previously held roles at the ABC, SBS and Fairfax Media. Tim’s expert insights have been quoted in The Australian, The Daily Telegraph, The Courier Mail and more. He regularly appears on TV and radio, and has been interviewed on 7 News, Sunrise, SBS News, ABC Local, 3AW and 5AA. Tim is passionate about simplifying complex insurance topics for Australian consumers. He holds a Bachelor of Arts (Politics) from Macquarie University and a Tier 1 General Insurance (General Advice) certification, which meets the requirements of ASIC Regulatory Guide 146 (RG146). If you’re interested in a media interview with Tim, please reach out to our PR team at aupr@finder.com. See full bio

Tim's expertise
Tim has written 134 Finder guides across topics including:
  • Personal finance
  • Financial comparison
  • Health insurance
  • General insurance
  • Life insurance

More guides on Finder

Go to site
Compare 40+ health funds in under a minute
Close