Get up to $200 off when joining hospital & extras
Offer applies when joining combined cover before 30 April 2020.
Coupon code ends
Make sure that you're not paying for expensive cover that you may not need such as pregnancy or weight loss surgery. Always check the limits in your extras policy to see how much you can claim each year.
These policies from Finder partners all offer great value for money. All picks are based on a single person living in NSW. We looked at a mid-range level of cover and price with inclusions for common treatments such as dental.
|Fund||Policy||Summary of inclusions||Excess||Price per month||Apply|
|Lite Flexi Bronze Plus||For less than $120 a month, this policy includes 20+ hospital services. You also get $800 per year to spend on extras like dental and physiotherapy.||$750||$118.35||Go to Site|
|Base Hospital + Base Extras 65||This policy covers over 22 hospital procedures including dental surgery and joint reconstruction. Extras cover overall dental, optical and physiology offering 65% back.||$750||$127.01||Go to Site|
|Bronze Everyday + Top Extras||This mid level policy includes 26 hospital services. You'll also get a very high level of extras including massage, major dental and natural therapies.||$750||$146.25||Go to Site|
|Silver Hospital and Core and Wellbeing Extras||This is a mid level of hospital cover with 26 categories included. Extras include a $600 dental limit, $300 back on therapies,$300 back on chiropractic and $250 for optical.||$750||$153.59||Go to Site|
|Silver Hospital + Lifestyle Extras||This mid entry-level option covers 30+ hospital procedures including heart-related conditions and chemotherapy. You'll get unlimited preventative dental & 60% back on extras.||$750||$155.93||Go to Site|
Prices are based on a single person in Sydney earning less than $90,000.
The tool below lets you compare health insurance policies side-by-side - just enter your details, choose the level of cover you'd like, then click search policies.
Once you have your quotes, you can then refine your search so it's tailored to your needs. Just tick the benefits that are most important to you, and we'll only show you policies that match.
Finding the best health insurance doesn't have to be hard but it does require you to answer a few questions. You need to work out what's most important to you. Are you:
However, there are a few important points to consider when choosing your health fund - including how partner networks operate, how excesses and waiting times are applied, and what out of pocket costs you should expect.
Others, including HCF, offer travel and accommodation benefits while some, such as Bupa and Medibank, are rolling out online health services and live video conferencing with medical professionals.
Private hospital cover is available in four different tiers - basic, bronze, silver, and gold - which provide increasingly comprehensive cover as you ascend through the levels.
However, this doesn't mean that all gold policies will be the same - features still vary between different policies, so it's important to compare before you buy.
For the 2019 Finder Awards, we compared 23 gold policies, 45 silver policies, and 25 bronze policies - according to our methodology, these are the funds that came out on top:
You can choose health insurance which matches the needs of you and your family - whether you're just in the planning stage, you've already got children, or you're wrangling unruly teenagers. Make sure to look out for some key features which might be particularly useful:
Extras cover is designed to help with the cost of non-hospital healthcare - so things like dental treatments, prescription glasses, and physiotherapy are usually included. Emergency ambulance transport can also fall under extras, along with psychology consultations.
There are some important factors to consider when choosing which extras cover is best for you.
For example, nib's Core and Family Extras policy doesn't include psychology treatments but Medibank's Top Extras 55 policy will pay out $200 towards psychology treatments.
For example, ahm's Lifestyle Extras cover has no waiting period on optical or routine dental. However, CUA's Classic Extras cover - which costs a similar amount - comes with a six-month wait period for optical and a two-month wait for routine dental.
The below table shows the average amount of costs covered by service:
|Fund name (Open membership funds)||Dental ||Optical ||Physiotherapy||Psychology|
|Medibank (includes ahm)||52.50%||68.10%||47.80%||30.80%|
 For some funds, the data does not take account of discounts at some providers or fund Dental / Optical centres.
Check the deals below before buying health insurance and you could save money on your premium - or get a reward for signing up.
|Last checked||Code description||Code|
|1 Apr 2020||Get up to $200 off when joining hospital & extras||$OF****|
|1 Apr 2020||Get 6 weeks free + Waive 2 & 6 months waiting period on extras||6FR****|
|1 Apr 2020||Get up to $300 off + Skip 2 & 6 month waiting period on extras||********|
|1 Apr 2020||Up to $300 off + Skip 2 & 6 month waiting periods||********|
|1 Apr 2020||Earn up to 120,000 Qantas points + Skip 2 & 6 month waiting periods||********|
Around 50% of all extras claims in 2016 were for dental. People tend to prioritise dental in their extras cover because it can be prohibitively expensive and is not covered by Medicare.
The Australian government penalises people who earn over a certain amount if they don't have health insurance. It also offers rebates for taking out cover if they earn under a certain amount.
Remember, it's important to compare your options and other financial avenues before applying.
Picture: Philipe cavalcant, Rawpixel, Kyle Loftus, Andrew Neel - Unsplash
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