Get up to $200 off when joining hospital & extras
Singles and single parents get up to $100, couples and families get up to $200.
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 results are based on a single person living in NSW. We looked at a mid-range level of cover with inclusions for core treatments such as dental.
|Fund||Policy||Summary of inclusions||Apply|
|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.||Go to Site|
|Silver Everyday + Top Extras||This mid level policy includes 26 hospital services. You'll also get a high level of extras including major dental and natural therapies.||Go to Site|
|Basic Hospital + Basic Extras||This option covers many common procedures including tonsils and joint reconstructions. Plus you'll get unlimited preventative dental and emergency ambulance cover.||Go to Site|
|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.||Go to Site|
|Silver Everyday Hospital Plus + Starter Extras||This mid-level option is designed for older singles and couples. Services include rehabilitation and heart procedures. Plus dental, prescription and optical benefits.||Go to Site|
|Basic Hospital Plus + Starter Extras||This starter package is designed for the young and healthy. Hospital services include dental surgery and joint reconstructions. Plus $350 for general dental.||Go to Site|
Simply enter your details below to see a side by side comparison, don't forget to filter by any services or treatments that are 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 ||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.
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 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|
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|
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|
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.
|Last checked||Code description||Code|
|19 Jul 2019||Get up to $200 off when joining hospital & extras||$OF****|
|1 Aug 2019||Claim straight away on extras including general dental, optical and physiotherapy.||WAI****|
|31 Jul 2019||Save up to $300 when joining hospital & extras||********|
|5 Aug 2019||Get up to 100,000 Qantas points||********|
|1 Aug 2019||Get up to $300 off||********|
Picture: Philipe cavalcant, Rawpixel, Kyle Loftus, Andrew Neel - Unsplash
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