Get 6 weeks free + Waive 2 & 6 months waiting periods
Join eligible selected hospital & extras cover by 30 June 2020.
health.com.au is an online provider that offers straightforward policy options with an emphasis on flexibility and choice. As of 1 April 2020, it has changed its hospital and extras policies to reflect the new government rules. We've broken down its cover below.
health.com.au offers policies for treatment in and out of hospital. As part of the new government laws, its policies must now meet specific criteria in order to qualify as Basic, Bronze, Silver or Gold. If you see a + next to the policy, it means it offers more than the minimum requirements.
health.com.au currently has four extras policies: Pulse 50, Pulse 60, Extras 50 and Active 60. These let you claim benefits for out-of-hospital services, such as dental (general, major and orthodontics), optical, physiotherapy and pharmacy prescriptions.
health.com.au lets you mix and match hospital and extras cover in the same policy for comprehensive protection.
Here's an overview of health.com.au's hospital policy inclusions and exclusions.
|Back, neck and spine||Public cover only|
|Blood||Public cover only|
|Bone, joint and muscle||Public cover only|
|Breast surgery (medically necessary)||Public cover only|
|Cataracts||Public cover only|
|Chemotherapy, radiotherapy and immunotherapy for cancer||Public cover only|
|Diabetes management (excluding insulin pumps)||Public cover only|
|Digestive system||Public cover only|
|Ear, nose and throat||Public cover only|
|Eye (not cataracts)||Public cover only|
|Gastrointestinal endoscopy||Public cover only|
|Heart and vascular system||Public cover only|
|Implantation of hearing devices||Public cover only|
|Male reproductive system||Public cover only|
For a full list of what's included, read the PDS.
health.com.au is a relatively new private health insurer, starting in 2012. GMHBA Limited, a nonprofit company, acquired health.com.au in July 2015. It has won several awards since establishing itself and is the first new private health insurer in Australia since 1976.
The benefit you receive from your health fund when you receive hospital services depends not only on the level of cover you choose but also on whether your health fund has an agreement with the hospital where you receive treatment.
Check the table below for details of the number of hospital agreements health.com.au has in each Australian state and territory compared to the maximum of any health fund across the industry:
|State||Private hospital agreements||Day hospital agreements|
|NSW||79 (industry maximum: 98)||72 (industry maximum: 110)|
|ACT||6 (industry maximum: 6)||6 (industry maximum: 9)|
|VIC||67 (industry maximum: 78)||57 (industry maximum: 83)|
|QLD||42 (industry maximum: 57)||38 (industry maximum: 61)|
|SA||26 (industry maximum: 29)||22 (industry maximum: 33)|
|WA||18 (industry maximum: 23)||16 (industry maximum: 31)|
|TAS||8 (industry maximum: 8)||3 (industry maximum: 8)|
|NT||1 (industry maximum: 2)||1 (industry maximum: 2)|
There are a number of other features that might make health.com.au the right insurer for you.
There are two ways to make a health insurance claim with health.com.au:
If you receive a medical bill from a practitioner who does not use health.com.au's medical Access Gap Cover scheme, your claim can only be paid after Medicare has assessed your claim for medical services. If the practitioner does participate in the scheme, they will bill health.com.au directly.
Yes! If you're coming to Australia and looking for 457 and 485 visa-compliant health insurance, you can find out more here.
finder.com.au is one of Australia's leading comparison websites. We compare from a wide set of banks, insurers and product issuers. We value our editorial independence and follow editorial guidelines.
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 or service.
Please note that the information published on our site should not be construed as personal advice and does not consider your personal needs and circumstances. While our site will provide you with factual information and general advice to help you make better decisions, it isn't a substitute for professional advice. You should consider whether the products or services featured on our site are appropriate for your needs. If you're unsure about anything, seek professional advice before you apply for any product or commit to any plan.
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.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money here.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
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.