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Peoplecare health insurance review

Member-owned Peoplecare is generally quite cheap, but if you want gold-tier hospital cover, you’ll have to go elsewhere.

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Nicola Middlemiss

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Our verdict

Pros

  • According to Finder consumer research, Peoplecare's policies are lower than average.
  • Peoplecare's Basic hospital cover is among the cheapest on the market.
  • As a member-owned not-for-profit, Peoplecare is low-cost and gives back to members.

Cons

  • Peoplecare doesn't have the best complaints record - they're okay, but nothing special.
  • There's no reward or incentive program to encourage healthy living, like some other brands.
  • Peoplecare doesn't offer Gold hospital cover, so there's no benefit for pregnancy and birth, assisted reproductive services, or weight loss surgery.

What types of health insurance does Peoplecare offer?

See what levels on cover Peoplecare offers. Keep in mind, to find the best health insurance for you, it can help to compare a range of options.

1 - 3 of 3
Updated regularly
Name Product AUFHI-NEW Treatments Price Apply Hide Compare
Basic Plus Hospital $750
Basic Plus$750 excess
Peoplecare Health Insurance logo
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
    • +6 other treatments covered
$82.21
per month
All treatments
Silver Hospital $750
Silver$750 excess
Peoplecare Health Insurance logo
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
    • +22 other treatments covered
$126.10
per month
All treatments
Silver Plus Hospital $750
Silver Plus$750 excess
Peoplecare Health Insurance logo
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
    • +27 other treatments covered
$171.78
per month
All treatments
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1 - 5 of 5
Updated regularly
Name Product AUFHI-NEW Treatments Price Apply Hide Compare
Ambulance Only
Extras cover
Peoplecare Health Insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$5.44
per month
All treatments
Simple Extras
Extras cover
Peoplecare Health Insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
    • +2 other treatments covered
$28.24
per month
All treatments
Mid Extras
Extras cover
Peoplecare Health Insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
    • +7 other treatments covered
$55.46
per month
All treatments
High Extras
Extras cover
Peoplecare Health Insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
    • +9 other treatments covered
$82.73
per month
All treatments
Premium Extras
Extras cover
Peoplecare Health Insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
    • +9 other treatments covered
$128.92
per month
All treatments
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1 - 10 of 12
Updated regularly
Name Product AUFHI-NEW Treatments Price Apply Hide Compare
Basic Plus Hospital $750 & Simple Extras
Basic Plus$750 excess
Peoplecare Health Insurance logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
    • +3 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
    • +4 other treatments covered
$107.62
per month
All treatments
Basic Plus Hospital $750 & Mid Extras
Basic Plus$750 excess
Peoplecare Health Insurance logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
    • +3 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
    • +9 other treatments covered
$132.12
per month
All treatments
Silver Hospital $750 & Simple Extras
Silver$750 excess
Peoplecare Health Insurance logo
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
    • +24 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
    • +4 other treatments covered
$151.52
per month
All treatments
Basic Plus Hospital $750 & High Extras
Basic Plus$750 excess
Peoplecare Health Insurance logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
    • +3 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
    • +12 other treatments covered
$156.66
per month
All treatments
Silver Hospital $750 & Mid Extras
Silver$750 excess
Peoplecare Health Insurance logo
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
    • +24 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
    • +9 other treatments covered
$176.01
per month
All treatments
Silver Plus Hospital $750 & Simple Extras
Silver Plus$750 excess
Peoplecare Health Insurance logo
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
    • +30 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
    • +4 other treatments covered
$197.20
per month
All treatments
Basic Plus Hospital $750 & Premium Extras
Basic Plus$750 excess
Peoplecare Health Insurance logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
    • +3 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
    • +12 other treatments covered
$198.24
per month
All treatments
Silver Hospital $750 & High Extras
Silver$750 excess
Peoplecare Health Insurance logo
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
    • +24 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
    • +12 other treatments covered
$200.56
per month
All treatments
Silver Plus Hospital $750 & Mid Extras
Silver Plus$750 excess
Peoplecare Health Insurance logo
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
    • +30 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
    • +9 other treatments covered
$221.69
per month
All treatments
Silver Hospital $750 & Premium Extras
Silver$750 excess
Peoplecare Health Insurance logo
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
    • +24 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
    • +12 other treatments covered
$242.13
per month
All treatments
loading

How to make a claim

For extras, you can claim in person by swiping your member card - as long as the provider has a HICAPS machine. Otherwise, you can claim via the Peoplecare app or online through the Member Services portal. You can also email a completed claim form along with any receipts to info@peoplecare.com.au or you can post it to Peoplecare, Locked Bag 33, Wollongong NSW 2500.

Complaints info

Peoplecare's complaints record is slightly below average. According to the most recent State of the Health Funds Report, Peoplecare has 0.5% market share and accounts for 0.5% of all health insurance complaints made to the Commonwealth Ombudsman.

FAQs

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Senior writer

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio

Nicola's expertise
Nicola has written 231 Finder guides across topics including:
  • Personal finance
  • Personal insurance, including car, health, home, life, pet and travel insurance
  • Commercial business insurance
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