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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 access the best medical care whenever you need, read on for more information on finding the right health insurance policy.

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

Rates last updated December 3rd, 2016
Details Features
High 65 / 75 / 85% - $0/$250/$500 Excess
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
Premier Package
Premier Package
Top tier combined hospital and extras policy that covers you for an extensive range of hospital and general treatment services.
  • All the benefits of HCI's Premier Hospital policy
  • All the benefits of HCI's Premier Extras policy
  • Cover for pregnancy and IVF treatment
  • Cover for general and major dental
Get Quote More info
Deluxe flexi
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
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GoldStar
GoldStar
Premium hospital cover with complete cover for hospital expenses. Save 4% when you pay for 12 months of your cover upfront.
  • All theatre fees covered
  • Unlimited maternity cover
  • Choose no excess or $200, $400, $500 per admission
Get Quote More info
Smart Combination
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
Prestige
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
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
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
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
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 insurers 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 providers 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 $6,089.30 per year, on average. Hospital cover on its own will cost $4,515.27 per family, per year, while extras cover only will cost $1,992.76.

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.

Private health funds in Queensland

Health fundWho can get health insurance with these funds?Find out more
HIF Logo
  • Open. Any Australian citizen or permanent resident is eligible to join. OVHC is available for those temporarily visiting or working in Australia.
More info
health.com.aulogo
  • Open. Any Australian citizen or permanent resident is eligible to join.
More info
ahmMore info
Australian UnityMore info
GMHBA
  • Open. Any Australian citizen or permanent resident is eligible to join.
More info
HCF
  • Open. Any Australian citizen or permanent resident is eligible to join. OVHC is available for those temporarily visiting or working in Australia.
More info
nib
  • Open. Any Australian citizen or permanent resident is eligible to join. OVHC and OSHC are available for those temporarily studying, visiting or working in Australia.
More info
Transport Health Logo
  • Open. Any Australian citizen or permanent resident is eligible to join.
More info
Bupa
  • Open. Any Australian citizen or permanent resident is eligible to join. OVHC and OSHC are available for those temporarily studying, visiting or working in Australia.
More info
cdhlogo
  • Open. Any Australian citizen or permanent resident is eligible to join.
More info
cua
  • Open. Any Australian citizen or permanent resident is eligible to join.
More info
Frank
  • Open. Any Australian citizen or permanent resident is eligible to join. OVHC is available for those temporarily visiting or working in Australia.
More info
gmflogo
  • Open. Any Australian citizen or permanent resident is eligible to join.
More info
GU Health
  • Open. Any Australian citizen or permanent resident is eligible to join. OVHC is available for those temporarily visiting or working in Australia.
More info
HBF
  • Open. Any Australian citizen or permanent resident is eligible to join. OVHC is available for those temporarily visiting or working in Australia.
More info
hcilogo
  • Open. Any Australian citizen or permanent resident is eligible to join.
More info
logo health partners
  • Open. Any Australian citizen or permanent resident is eligible to join.
More info
latrobehealthlogo
  • Open. Any Australian citizen or permanent resident is eligible to join.
More info
 medibank
  • Open. Any Australian citizen or permanent resident is eligible to join. OVHC and OSHC are available for those temporarily studying, visiting or working in Australia.
More info
mildurahealthfundlogo
  • Open. Any Australian citizen or permanent resident is eligible to join.
More info
onemedifundlogo
  • Open. Any Australian citizen or permanent resident is eligible to join.
More info
peoplecare provider page link
  • Open. Any Australian citizen or permanent resident is eligible to join. OSHC is available for those temporarily studying in Australia although it is only extras, not hospital cover.
More info
phoenix health fund provider link
  • Open. Any Australian citizen or permanent resident is eligible to join.
More info
queensland country health fund provider link
  • Open. Any Australian citizen or permanent resident who lives in Queensland or the Northern Territory is eligible to join.
More info
St. Lukes Health Logo
  • Open. Any Australian citizen or permanent resident is eligible to join. 
More info
westfund provider link
  • Open. Any Australian citizen or permanent resident is eligible to join.
More info
acahealthlogo
  • Restricted. Open to members of the Seventh-day Adventist Church and present and past employees of affiliated companies, along with the partners/spouses, dependents, siblings, parents and grandchildren of those mentioned previously.
More info
CBHS Health Fund Logo
  • Restricted. Open to employees, contractors and franchisees of Commonwealth Bank of Australia Group as well as their partners and family members, including dependent and non-dependent children, siblings, parents and grandchildren.
More info
defencehealthlogo
  • Restricted. Open to reservists and past members* of the Australian Defence Force, employees of the Department of Defence and Defence suppliers. Extended family as well as the ex-partner/spouse of those previously mentioned are also eligible to join.
More info
navyhealthlogo
  • Restricted. Open to current and former members, reservists and cadets of the ADF, employees of the DoD, Defence suppliers and more. Extended family as well as the ex-partner/spouse of those previously mentioned are also eligible to join.
More info
doctorshealthfundlogo
  • Restricted. Open to registered Medical Practitioners and Health Practitioners (in an eligible category), their employees, extended family and much more. The eligibility criteria for this fund is wide and you can view the full list via the More Info button.
More info
policehealthlogo
  • Restricted. Open to current or former (if retired or resigned after 1 Jan 2001) employees of state, territory and federal police departments/police unions including their partners/spouses, dependants and adult children plus their immediate family.
More info
rthealthlogo
  • Restricted. Open to current or former employees of Government or privately owned transport (air, sea, land) and energy generation/delivery entities, as well as those involved in administering them. Extended family of eligible members can also join.
More info
rbhslogo
  • Restricted. Open to current or former employees of the Reserve Bank of Australia and Note Printing Australia, as well as their current or ex-partner or spouse and their dependant or adult children.
More info
teachers
  • Restricted. Open to current or former members and administrative staff of approved education unions and organisations, along with their extended family. Use the More Info button to the right to view the eligible unions and organisations.
More info
tuh
  • Restricted. Open to current or former union members of any industry along with their current or ex partner/spouse, dependent children, adult children (plus their partner), siblings (plus their partners and dependent children), parents and grandchildren.
More info

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

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