Get an adidas e-gift card worth up to $400. PLUS skip the waiting periods on extras including general dental.
Offer applies to new members on eligible combined hospital & extras cover.
Coupon code ends
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|
|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.
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 ||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|
|2 Jan 2020||Get an adidas e-gift card worth up to $400. PLUS skip the waiting periods on extras including general dental.||ADI****|
|2 Jan 2020||Get 1 month free + Waive 2 & 6 month waiting periods||1MF****|
|2 Jan 2020||Skip 2 & 6 month extras waiting periods||********|
|8 Jan 2020||Get 6 weeks free + Waive 2 & 6 month waiting periods||********|
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.
finder.com.au is one of Australia's leading comparison websites. We compare from a wide set of major banks, insurers and product issuers.
finder.com.au has access to track details from the product issuers listed on our sites. Although we provide information on the products offered by a wide range of issuers, we don't cover every available product. You should consider whether the products featured on our site are appropriate for your needs and seek independent advice if you have any questions.
Products marked as 'Promoted' or "Advertisement" are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options and find the best option for you.
The identification of a group of products, as 'Top' or 'Best' is a reflection of user preferences based on current website data. On a regular basis, analytics drive the creation of a list of popular products. Where these products are grouped, they appear in no particular order.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment.
We try to take an open and transparent approach and provide a broad based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labelling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.