HHI offers three types of cover: hospital, extras and ambulance-only. You can bundle any of these together or buy them separately, making HHI a great choice for those who want flexibility.
Hunter Health Insurance was established as Cessnock District Health Fund in 1952 to serve the coal industry in New South Wales' Hunter Valley. Hunter Health has now opened its doors to all Australian residents and aims to deliver on both price and service.
Not only do you have a broad selection of policies to choose from, but most of HHI's six hospital policies go well beyond the government's minimum requirements for cover.
HHI also offers a broad selection of extras policies. You can take these out alone or combined with one of HHI's hospital policies.
HHI has one ambulance-only policy that covers you for medically necessary emergency ambulance rides.
HHI offers an age-based discount to customers under 30, but only on the Gold hospital policy.
The age you are on 1 April 2019 or when you purchase your policy, whatever is later, determines the percentage that gets knocked off your policy. The best part is you get to keep that discount until you are 40, at which point it decreases by 2% per year.
Here is the discount you'll get based on how old you are on the date mentioned above:
Hunter Health Insurance aims to make the claims process as easy as possible for members. Most hospitals and doctors will send your medical and hospital bills straight to HHI who will take care of it behind the scenes.
However, if you need to make an extras claim you can fill out the online claim form and submit it directly on the website. Alternatively, you can print out the claim form and either email it or send it via post to HHI.
In the first quarter of 2025, the average emergency department wait time in Victoria public hospitals was 14 minutes. However this varies depending on the severity of your condition.
Prenatal care in Australia is covered by Medicare, meaning it’s mostly free through the public system. You can choose to go private, which comes with a lot of benefits – but there are out-of-pocket expenses to watch out for.
Find out how to get cheap health insurance for young people.
Winner of the 2024 Finder Insurance Award, HBF is a stand-out health insurer with some of the best value policies on the market.
It's not possible to skip waiting periods for health insurance but there are exceptions.
Read our guide to health insurance for people living in South Australia.
Find out about the latest health insurance deals and special promotions.
Guide to travel insurance for residents of New South Wales.
Check out our list of the most popular health funds in WA and see how private health cover costs in WA compare with the rest of the country.
If you're a student, chances are you don't have a whole lot of cash to burn. Compare student health insurance and protect your health and budget.