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Health Insurance for Victoria

Do you live in Victoria? Compare your options and find the right fund?

Australia’s public healthcare system, Medicare, provides access to a range of subsidised medical care, but it falls a long way short of offering comprehensive cover. That’s why the Australian Government has implemented a range of initiatives to encourage Australians of all ages to take out private health cover.

When you have private health insurance in place, you can choose the doctor and hospital you want. You can avoid long waiting lists at public hospitals and be covered for the cost of hospital accommodation, theatre fees, intensive care, drugs and much more.

If you take out extras cover as well, you can be covered for the cost of a wide range of general treatments such as dental, optical, physiotherapy and chiropractic services, which is why private health cover is an essential consideration for all Australians.

Compare your Victorian health insurance options

Who are the largest health funds in Victoria?

In the chart below health funds are ranked individually by their market share in each state, territory, as well as Australia as a whole. Please note that not all available health funds are ranked, only those that have 2% market share or higher in each category.

How does the cost of health insurance in Victoria compare?

Victorian families pay more for their health insurance premiums than people anywhere else in Australia. The average annual premium for a Victorian family with hospital and extras cover is $6,653.41 . If you just want hospital cover in Victoria, the annual premium will set you back $4,820.11, while extras cover alone costs $1,900.91 per year.

Premium costs vary between Australian states and territories because health care costs vary in different areas of the country. Also, claim profiles vary from location to location. As a general rule, Victorians use private hospitals more than other Australians and access more expensive treatment, which in turn drives the cost of premiums up.

How much does it cost for an ambulance in Victoria?

Covering the cost of ambulance transportation in Australia varies between states. For example, while the Queensland Government provides ambulance cover for its residents, residents of Victoria will need to either purchase ambulance cover through Ambulance Victoria or from a private health fund. This cover will ensure that your ambulance transportation costs are covered in the event of an emergency.

Costs for ambulance services in Victoria can cost:

Emergency attendance fees (no transport):$507
Emergency road transport fees (metropolitan):$1,174
Emergency road transport fees (regional and rural):$1,732
Non-emergency road transport (metropolitan):$317 for stretcher or $104 for clinic car
Non-emergency road transport (rural and regional):$536 for stretcher and N/A for clinic car
Fixed wing air transport: Variable charge $2,082 and Fixed charge $2,816
Rotary air transport:Variable charge $10,475 and Fixed charge $23,842

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

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2 Responses

  1. Default Gravatar
    ChristineApril 12, 2017

    To where do I post a Medicare claim?

    I have tried the various electronic options and they don’t work.

    For mobility reasons
    I can’t get to our nearest Medicare Centre (Windsor)

    Can I post the claim to your Windsor (3181) street address?


    • Staff
      ZubairApril 12, 2017Staff

      Hi Christine,

      Thank you for your question.

      You have contacted, a comparison and information service and not actually Department of Human Services.

      You will need to contact Windsor service center directly to confirm if they have an option of claim via post. Alternatively, there is also an option of claim by using the phone.

      All the best,

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