Get 6 weeks free health insurance + Skip 2 & 6 month waiting periods
Get 6 weeks free after 60 days. Offer applies for hospital + extras combined policies.
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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 a mix of treatments. All our picks are based on a single person living in NSW and are to be used as a benchmark only. We looked at a mid-range level of cover and price with inclusions for common treatments such as ambulance and dental. Please always check limits and treatments on the PDS to find the best policy suited to your individual needs.
|Provider||Summary of inclusions||Price Per Month||Apply|
|Lite Flexi Bronze Plus||This Bronze Plus package includes the standard 18 hospital treatment categories plus 3 bonus services including dental surgery. You'll also get a $800 extras limit towards treatments including dental, optical and physio.||$122.90||Go to Site|
|Bronze Everyday + Top Extras||This Bronze hospital insurance covers 18 treatments. There's also top extras included which pays benefits to over 15 non-hospital services including major dental, as well as orthodontics and psychology.||$137.10||Go to Site|
|Heart Hospital + Middle Extras 65||This Bronze Plus package includes a few extras such as heart and lunch services. There's extras with up to 65% back from your choice of provider. Limits include $700 toward dental, and $200 towards optical.||$156.69||Go to Site|
|Silver Hospital and Core and Wellbeing Extras||This Silver hospital package includes more than 25 treatment categories including join reconstruction and heart. The basic extras have limits for common services such as general dental and physio.||$166.25||Go to Site|
|Standard Hospital (Silver Plus) + 60% Extras||This is a mid level of hospital cover with 31 categories included. Extras include a $700 dental limit, $500 on combined physiotherapy and chiropractic and $200 for optical.||$149.36|
*Quotes are based on single individual with less than $90,000 income paying $500 excess and living in Sydney.
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 Jun 2020||Get 6 weeks free health insurance + Skip 2 & 6 month waiting periods||6WF****|
|1 Jun 2020||Get 6 weeks free + Waive 2 & 6 months waiting period on extras||6FR****|
|1 Jun 2020||Get 6 weeks free + Waive 2 & 6 months waiting periods||6WE****|
|1 Jun 2020||Get a Visa gift card up to $400 + Skip 2 & 6 month waiting periods||********|
|1 Jun 2020||Up to $200 off + Waive 2 & 6 month waiting periods on extras||********|
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
*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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