What percentage of Australians hold Gold-tier health insurance?

According to Finder's 2026 Health Report, 24% of Australian policyholders hold Gold-tier cover, the highest tier under the government's private health insurance tiering system. A larger share hold Silver (30%) or Basic/Bronze (34%), while 7% hold extras-only cover and 5% don't know what tier they hold.

Do men and women hold different tiers of health cover?

Yes. Finder's 2026 Health Report found men are more likely to hold Gold cover (27% vs 22% of women) or Silver cover (32% vs 26% of women), while women are more likely to hold Basic-tier cover (20% vs 16% of men) or to be unsure what tier they hold (8% vs 3% of men).

What's the most common type of health insurance policy in Australia?

Single policies are the most common, held by 42% of policyholders, according to the 2026 Health Report. Family policies account for 33% and Joint policies for 26%. Family policies are most common among Gen Y (43%) and Gen Z (42%) policyholders, while Baby Boomers are split almost evenly between Single and Joint policies.

How many Australians never make a claim on their health insurance?

13% of policyholders say they have never made a single claim on their policy, according to Finder's 2026 Health Report. A further 38% say they rarely claim and don't feel they get value for money from their cover.

What do Australians claim for most on their health insurance?

Among policyholders who do claim, dental is the most common claim type at 63%, followed by optical at 50%, according to the 2026 Health Report. No other category comes close to these two.

How do I know if my health insurance policy is good value?

Start by confirming exactly what tier and policy type you hold, then compare that against how you actually use healthcare, for example, whether your extras limits for dental and optical (the two most commonly claimed categories) are adequate for your needs. Also factor in gap payments and your excess, since these affect what a claim actually costs you out of pocket even when cover applies.