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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

Details Features
Base Hospital
Base Hospital
A base hospital product providing affordable cover for the essentials for healthy people.
  • Cover starting from $17.39 weekly
  • Accidental injury cover
  • Emergency Ambulance cover
  • $500 hospital excess
More info
White classic
White classic
White classic provides cover for a range of services including heart, accident, ambulance, and joint investigations and reconstruction.
  • No excess for kids
  • Wisdom teeth
  • Cancer treatments
  • Rehabilitation
Enquire Now More info
GoldVital
GoldVital
Available for singles and couples looking for vital medical treatment cover. Save 4% when you pay for 12 months of your cover upfront.
  • Cover for the essentials
  • Surgical removal of wisdom teeth, tonsils and adenoids
  • Intensive care
  • Standard $500 excess per person
Get Quote More info
Basic Hospital
Basic Hospital
Basic Hospital takes care of the essentials and is Australian Unity's most affordable Hospital Cover.
  • Can help to avoid extra tax
  • Emergency ambulance transportation
  • No excess for accidents
  • Appendix removal
Enquire Now More info
Bronze Hospital
Bronze Hospital
Entry level hospital cover.
  • Public hospital accommodation
  • Shared room
  • Accidental injury
  • Joint reconstructions and investigations
Enquire Now More info
Basic Hospital Cover
Basic Hospital Cover
Basic hospital cover tailored for the healthy and budget conscious.
  • No excess for kids
  • No excess for accidents
  • Emergency ambulance cover
  • Cancer-related services
Enquire Now More info
Basic Hospital Cover
Basic Hospital Cover
Entry level hospital cover for the essentials including accidental injury, ambulance and joint procedures.
  • $250 / $500 excess options
  • Unlimited emergency ambulance cover
  • Dental surgery cover
  • Joint surgery cover
Enquire Now More info
Healthy Choice Hospital
Healthy Choice Hospital
Mid-level hospital cover with up to $100 per night co-payment to reduce the premium you pay.
  • $100 co-payment for overnight stay
  • Emergency ambulance cover
  • Cover for accidents
  • Cancer-related surgery
Enquire Now More info

Who are the largest insurers 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 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 $6,188.60. If you just want hospital cover in Victoria, the annual premium will set you back $4,655.33, while extras cover alone costs $2,004.85 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 does ambulance cover vary?

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.

Health funds for people in Victoria

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
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 Victoria options with the aid of an adviser

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