Peoplecare health insurance is a not-for-profit health fund that was established in 1952. It offers 5 hospital policies, 4 extras options and benefits ranging from gift cards to no gap dental.
Our Verdict
Peoplecare customer service is excellent. It has high member satisfaction rates and had just 0.5% of complaints (same as its market share of 0.5%), according to the latest Private Health Insurance Ombudsman report.
If price is your only concern, Peoplecare might not be for you — Medibank, HCF and CUA all tend to offer cheaper policies.
October update: Members can pay by direct debit from an account, credit card, BPay or cheque. No discounts or surcharges apply.
Who is Peoplecare Health Insurance?
A not-for-profit fund, Peoplecare is run in the interests of its members and aims to pass on profits to its customers in the form of improved products and premium rates.
Entry to Peoplecare is non-restricted, so any Australian who is eligible to take out private health cover can join the fund.
With an emphasis on customer service, Peoplecare has a 24-hour Online Member Services department ready to field any questions you may have. It can also provide national coverage, as it has agreements in place with over 37,000 doctors and 540 private hospitals around the country.
Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
rebate.
Under 65
65 - 69
70 or older
What's your household's taxable income?
This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
$93,000 and under
$93,001 to $108,000
$108,001 to $144,000
$144,001 and over
What kind of health insurance do you need?
Combined (Extras + Hospitals)
Extras
Hospital
What level of hospital coverage would you like?
You can change this at any time later.
Legend
Covered
Restricted cover, You may be partially covered for
this category.
Not covered. Optional for insurer to include.
*Prices updated March 2024, in line with Finder's
database of health insurance policies. Prices are based
on a single individual with less than $93,000 income and
living in Sydney with a $750 excess.
What extras cover do you need? (Optional)
Select as many as you want or move to the next step
Preventative & general dental
Major dental & implants
Optical
Physiotherapy
Podiatry
Non-PBS pharmaceuticals
Chiropractic
Emergency ambulance
Remedial massage
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Peoplecare member benefits
A policy with Peoplecare comes with a few perks. These include:
Receiving a giftcard if you refer a friend or family member to Peoplecare (they'll get one too).
Discounts on Peoplecare Eyes & Teeth, Wollongong's no gap dental and optical store.
Discounts on optical services at Eyebenefit.
Get access to smile.com.au's network of dentists.
Get access to deals with Specsavers.
Get access to discounts on the biggest brands from Luxottica at Laubman & Pank.
How to make a claim
Peoplecare aims to make the process of lodging a claim as easy as possible. If you incur hospital costs, in most cases the hospital will send the bill straight to your health fund. Peoplecare will then take care of the cost for you.
When it comes to medical claims, doctors should again send any claim straight through to Peoplecare, but if they don't you will need to claim from Medicare first and Medicare will then forward your claim on to Peoplecare.
Finally, if you need to make an extras claim there are several options at your disposal:
Electronic claiming. Swiping your Peoplecare membership card on the spot at most general treatment providers will see the benefits you are entitled to deducted from your bill.
Use the Peoplecare app. Peoplecare's claims app is available from the Apple App Store and the Google Play store.
Claim online. Many extras claims can be lodged online through the Peoplecare website.
Email. Complete a claim form, scan the form and your receipts and then email them back to your health fund.
Post or fax. You can send your completed claim form and any receipts by mail or fax to Peoplecare.
Overseas visitors or students
Peoplecare does not directly offer overseas visitor health cover (OVHC) or overseas student health cover (OSHC) hospital policies, but will redirect you to their partner insurer Allianz Care where you can buy these policies.
Peoplecare does offer one standalone extras policy aimed at overseas students. It is called OSHC extras and it offers cover for general dental, some major dental, optical, physio, chiro and osteo therapies.
Why you can trust Finder's health insurance experts
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You save time. We spend 100s of hours researching health insurance so you can sort the gold from the junk faster.
You can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.
Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
Gary Ross's expertise
Gary Ross has written 729 Finder guides across topics including:
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You pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees.
You save time. We spend 100s of hours researching health insurance so you can sort the gold from the junk faster.
You can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.
