PeopleCare Health Insurance
Finder makes money from featured partners, but editorial opinions are our own.

Peoplecare Health Insurance Review

Peoplecare health insurance is great if you’re sick of poor customer service, less so if you’re after the cheapest policy.

No reviews yet. Write a review

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

  1. Peoplecare customer service is excellent. It has high member satisfaction rates and had just 0.1% of complaints (lower than its market share of 0.5%), according to the latest Private Health Insurance Ombudsman report.
  2. If price is your only concern, Peoplecare might not be for you — Medibank, HCF and CUA all tend to offer cheaper policies.

Review by our insurance and innovations editor Gary Ross Hunter

Sign up deals with Peoplecare for December 2023

1 - 1 of 1
Name Product

Get 6 weeks free + Waive 2&6 months waiting periods

Ends 31 December 2023

Join combined hospital & extras cover by 31 December 2023 for new members. T&Cs apply.

loading
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.

What health insurance options are available?

1 - 10 of 12
Name Product Treatments Price Apply Hide Compare
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +3 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +3 other treatments covered
$107.13
per month
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +3 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +7 other treatments covered
$131.14
per month
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • +24 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +3 other treatments covered
$147.95
per month
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +3 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +10 other treatments covered
$169.81
per month
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • +24 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +7 other treatments covered
$171.96
per month
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • +30 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +3 other treatments covered
$192.51
per month
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • +24 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +10 other treatments covered
$210.62
per month
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • +30 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +7 other treatments covered
$216.53
per month
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +3 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +10 other treatments covered
$218.70
per month
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • +30 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +10 other treatments covered
$255.19
per month
loading
1 - 3 of 3
Name Product Treatments Price Apply Hide Compare
Basic Plus Hospital $750
Basic Plus$750 excess
  • 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
Silver Hospital $750
Silver$750 excess
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +22 other treatments covered
$123.02
per month
Silver Plus Hospital $750
Silver Plus$750 excess
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +27 other treatments covered
$167.59
per month
loading
1 - 5 of 5
Name Product Treatments Price Apply Hide Compare
Ambulance Only
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
$5.18
per month
Simple Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +1 other treatments covered
$27.69
per month
Mid Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +4 other treatments covered
$54.37
per month
High Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +6 other treatments covered
$97.33
per month
Premium Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +6 other treatments covered
$151.67
per month
loading

Why compare health insurance with Finder?

  • We don't ask for your phone or email to see prices.

  • With 1 click, you can open your results to nearly every fund in Australia.

  • You pay the same price as going direct – we charge no fees.

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 exclusive 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

free

We're free

Our health insurance engine is completely free to use. You pay the same as buying directly from the health insurer. Better still, we regularly run exclusive deals that you won't find on any other site.
expert advice

We're experts

We've researched and rated hundreds of policies as part of our Finder Awards. We've published 250+ guides and our in-house experts regularly appear on Sunrise, 7News and SBS News.
independent

We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and you can compare nearly every health fund in Australia on the site (and find a better deal).
help

We're here to help

Since 2014, we've helped 350,000+ people find health insurance by explaining your options simply. We'll never ask for your number or email to see prices. We're here to help you make a decision.

More guides on Finder

Save on your health insurance

Go to site