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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 |
|---|---|---|---|---|---|
 |
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 |
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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 |
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Hospital Silver + Mid Extras | This silver level of hospital cover includes 26 treatments. Extras include a $650 dental limit, $350 back on therapies,$150 back on chiropractic and $200 for optical. | $750 | $139.85 | Go to Site |
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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 |
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Classic Flexi Silver Plus | For less than $150 a month, this policy includes 30+ hospital services. You also get $900 per year to spend on extras like dental and physiotherapy. | $750 | $145.85 |
Prices are based on a single person in Sydney earning less than $90,000.
Simply enter your details below to see a side by side comparison. Use the filters to pick the treatments important to you.
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:
Since 2016, finder has been putting on the finder Awards and in 2017 we started awarding the Best health insurance (Comprehensive) and Best health insurance (Value). Below are the winners and finalists for those categories.
"According to finder's algorithm, Bupa's Ultimate Health Cover policy came out on top for comprehensiveness, including its excess/co-payment amount and its range of associated hospitals."
"Health Care Insurance's Premier Package presents the best value for money based on policy pricing and features."
Awards selections are based on generally available offers as of 6 October 2017. Learn more about how we chose our winners.
The below table shows the average amount of costs covered by service:
| Fund name (Open membership funds) | Dental [1] | Optical [1] | Physiotherapy | Psychology |
|---|---|---|---|---|
| Australian Unity | 46.20% | 64.80% | 62.30% | 34.20% |
| BUPA | 54.30% | 56.70% | 48.90% | 42.20% |
| CDH | 39.80% | 51.40% | 49.70% | 21.70% |
| CUA Health | 50.50% | 60.70% | 39.30% | 35.30% |
| GMHBA | 52.00% | 58.30% | 48.80% | 46.80% |
| GU Corporate | 79.20% | 67.20% | 82.80% | 78.20% |
| HBF | 60.80% | 59.10% | 44.10% | 42.40% |
| HCF | 58.30% | 57.30% | 43.80% | 46.70% |
| HCI | 53.40% | 53.60% | 44.60% | 33.70% |
| health.com.au | 50.30% | 45.90% | 60.00% | 0.7% |
| Health Partners | 60.30% | 53.90% | 59.20% | 32.60% |
| HIF | 49.00% | 59.90% | 36.80% | 34.20% |
| Latrobe | 32.60% | 54.10% | 33.20% | 33.10% |
| MDHF | 61.80% | 65.40% | 43.00% | 27.30% |
| Medibank (includes ahm) | 52.50% | 68.10% | 47.80% | 30.80% |
| onemedifund | 58.90% | 51.80% | 53.20% | 33.80% |
| Peoplecare | 49.10% | 61.60% | 40.30% | 38.50% |
| Phoenix | 57.20% | 61.30% | 50.20% | 41.20% |
| QCH | 52.30% | 58.70% | 46.60% | 44.30% |
| St Lukes | 64.60% | 75.90% | 52.40% | 48.50% |
| Transport Health | 55.50% | 58.30% | 45.60% | 29.90% |
| Westfund | 54.70% | 53.60% | 50.00% | 39.30% |
[1] For some funds, the data does not take account of discounts at some providers or fund Dental / Optical centres.
Source: https://www.ombudsman.gov.au/publications/reports/state-of-the-health-funds/all-reports/docs/2018-state-of-the-health-funds-report
Be aware that health funds may require you to visit a hospital in its affiliate network in order to be covered as a private patient. You can check that the hospital you choose to be treated at is covered by your fund prior to admittance.
| Private or public? | What is or isn't covered? |
|---|---|
| Private health insurance |
|
| Medicare |
|
Medicare will reimburse 100% of the MBS fee for a general practitioner and 85% of the MBS fee for a specialist if you visit a doctor outside a hospital. If your doctor bulk bills, then you won't pay a cent.
| Private or public? | What can you get benefits for? |
|---|---|
| Private health insurance |
|
| Medicare |
|
Emergency ambulance services are provided free by the state governments of Queensland and Tasmania, but in other states only certain people, such as veterans and pensioners, are eligible for free services. You can find ambulance cover in both hospital and extras policies.
| Private or public? | What's covered? |
|---|---|
| Private health insurance |
|
| Medicare |
|
Under the Pharmaceutical Benefits Scheme (PBS), you only pay a portion of the cost of prescription medications. The amount varies depending on the medication up to a standard maximum. However, not all medications are included on the PBS, which is where health insurance comes in.
| Private or public? | How are pharmaceuticals covered? |
|---|---|
| Private health insurance |
|
| Medicare |
|
Remember, it's important to compare your options and other financial avenues before applying.
nib Health Insurance Deal
Get up to $300 off your health insurance.
Offer available to new customers signing up for Hospital + Extras
Last verified
Deal ends
ahm Deals
Get 1 month free health insurance
Offer applies to new customers signing up for both hospital + extras cover.
Last verified
Coupon code ends
Medibank Health Insurance Deals
Waive 2 & 6 month waiting periods on extras. PLUS Get a Specsavers gift card worth up to $400.
Offer applies on eligible Medibank Hospital and Extras. Claim straight away for many extras including optical and general dental.
Last verified
Coupon code ends
Qantas Health Insurance Deals
Earn up to 25,000 Qantas points. Plus, earn 1 point per $1 spent on your premium
Offer applies when joining hospital + extras cover. T&Cs apply.
Last verified
| Last checked | Code description | Code |
|---|---|---|
| 11 Oct 2019 | Get 1 month free health insurance | MO**** |
| 8 Oct 2019 | Waive 2 & 6 month waiting periods on extras. PLUS Get a Specsavers gift card worth up to $400. | SPE**** |
| 1 Oct 2019 | Get up to $300 off your health insurance. | ******** |
| 3 Oct 2019 | Earn up to 25,000 Qantas points. Plus, earn 1 point per $1 spent on your premium | ******** |
Picture: Philipe cavalcant, Rawpixel, Kyle Loftus, Andrew Neel - Unsplash
*Disclaimer: The products compared on this page are chosen from a range of offers available to us and are not representative of all the products available in the market. There is no perfect order or perfect ranking system for the products we list on our Site, so we provide you with the functionality to self-select, re-order and compare products. The initial display order is influenced by a range of factors including conversion rates, product costs and commercial arrangements, so please don't interpret the listing order as an endorsement or recommendation from us. We're happy to provide you with the tools you need to make better decisions, but we'd like you to make your own decisions and compare and assess products based on your own preferences, circumstances and needs.
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Which private health insurance companies offer the best reimbursement of the cost of hearing aids?
Hi Michael,
Thank you for your question.
If you would like to review the cover limits of Australian funds for hearing aids please head over to our health insurance for hearing aids article.
Cheers,
Zubair