Health Insurance in QLD

Are you a Queenslander? Make sure you're getting the right cover by comparing your health insurance options.

Private health insurance offers cover for a wide range of medical treatments and expenses not covered by Medicare. With private hospital cover in place, you can choose your doctor and hospital, avoid lengthy waiting lists and be covered for theatre fees, intensive care, drugs and more.

If you take out private extras cover, you can be covered for the cost of general treatments such as optical, dental, physiotherapy and chiropractic services.

If you live in Queensland and you want to be able to find out more about health insurance in the Sunshine state, read on for more information on finding the right health insurance policy.

Compare health funds and cover online or with help from an adviser

	Details	Features
High 65 / 75 / 85% - $0/$250/$500 Excess	Combines High Hospital Cover with its highest level of extras cover.	Cover starting from $44.74 weekly 12 month waiting period for pregnancy 65% back on extras Choice of $0, $250 and $500 excess	Enquire Now More info
Deluxe flexi	Deluxe flexi provides cover for a range of treatments including hip replacement, spinal fusion, dialysis and major eye surgery.	No excess for kids All joint replacements Major eye surgery Rehabilitation	Enquire Now More info
Smart Combination	Smart combination provides a high level of cover for both hospital and extras.	Claim up to $2725 back on extras Hip and knee replacements General and major dental Physio	Enquire Now More info
StarterPak	Combined cover designed to suit young people who want value money health insurance, but don’t want to pay for services that they may not use. Restricted fund: Only current and former members of an education union and their families can join.	Cover for 5 key services in a private hospital Access Gap Cover $500 general dental annual limit $150 Healthy Lifestyle annual limit	Get Quote
Prestige	Highest level of combined cover offered by CBHS. Includes the same benefits as Comprehensive Hospital and Top Extras plus more. Restricted fund: Only current or former staff (and their families) of Commonwealth Bank Group and their subsidiaries which include Aussie, Bankwest, Colonial First State and more can join.	No excess or co-payments on hospital cover Non-student dependent under 25 can be kept on policy Access to Chronic Disease Management Programs Widest range of extras including orthodontics	Enquire Now More info
Bronze Hospital (no pregnancy) and Bronze Extras Set Benefits	High level of hospital cover and extras cover for a range of popular services including knee and should reconstructions.	Most comprehensive hospital options Cover for general and major dental Shared or single room in a private hospital Intensive and coronary care	Enquire Now More info
Premium Hospital and Silver Extras Cover	Comprehensive hospital cover including pregnancy cover. Also included affordable mid-level extras cover for dental, optical and therapies.	Cover from $39.50 per week Pregnancy and birth-related services cover Heart surgery cover 100% cash back on two dental check per year	Enquire Now More info
Top Hospital with Top Extras	Get comprehensive hospital and extras cover and tailor your policy to your needs.	Pregnancy and birth services cover Back surgery cover $1000 general dental annual limit $600 physiotherapy annual limit	Enquire Now More info
Young Couples Combined Cover	Mid-level hospital and basic level Extras package with an excess for young, healthy couples that are not quite ready to start a family.	Emergency ambulance cover Cancer-related surgery cover 70% back on extras $300 dental annual limit per person	Enquire Now More info

Who are the largest funds in QLD?

Use the interactive pie chart below to view which health funds have the largest market share in the State of Queensland. The option to view the largest funds in the other Australian states and territories, along with the national leaders is also available.

How does the cost of health insurance in QLD compare?

Queensland is the second most expensive state or territory for those wanting private health cover. A combined package offering both hospital and extras coverage will set a family back $6,378.54 per year, on average. Hospital cover on its own will cost $4,690.98 per family, per year, while extras cover only will cost $1,874.88.

The cost of private health cover varies from state to state and depends on the claims history of the residents of that state. As health insurance in Queensland is quite expensive when compared with most other parts of Australia, it pays to shop around for cover that offers the best value for your money.

How does ambulance cover vary?

The Queensland Government covers the cost of ambulance transportation and treatment for its residents. No matter where they are in Australia, Queenslanders can enjoy the security and financial protection that this state-funded initiative offers, and they don’t need to worry about finding private health insurance that includes ambulance cover.

In most other Australian states and territories, residents need to pay for ambulance costs out of their own pocket or take out ambulance cover through a private health fund or their state-based ambulance service.

Compare your health insurance QLD options with the aid of an adviser

^{_{Picture: Shutterstock}}