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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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.
  • Peoplecare did quite well in the most recent complaints data, rankings 8th out of 29 funds.

Cons

  • There's no reward or incentive program to encourage healthy living, like some other brands.
  • Peoplecare doesn’t offer Gold hospital cover, but benefits for pregnancy and birth are available under their Silver Plus Grow product. Note that this product is only sold as part of a combined policy, it can't be purchased as a standalone Hospital policy.

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.

2 of 2 results
Treatments Rewards Price
Peoplecare Health Insurance logo
Basic Plus Hospital $750
Most LovedBasic Plus$750 excess
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
$114.49
per month
More info
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Peoplecare Health Insurance logo
Silver Plus Hospital $750
Most LovedSilver Plus$750 excess
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
$244.94
per month
More info
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Showing 2 of 2 results
5 of 5 results
Treatments Rewards Price
Peoplecare Health Insurance logo
Ambulance Only
Most Loved Extras cover
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$7.57
per month
More info
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Peoplecare Health Insurance logo
Simple Extras
Most Loved Extras cover
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
$38.03
per month
More info
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Peoplecare Health Insurance logo
Mid Extras
Most Loved Extras cover
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
$74.67
per month
More info
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Peoplecare Health Insurance logo
High Extras
Most Loved Extras cover
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
$114.67
per month
More info
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Peoplecare Health Insurance logo
Premium Extras
Most Loved Extras cover
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
$176.98
per month
More info
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Showing 5 of 5 results
10 of 34 results
Treatments Rewards Price
Peoplecare Health Insurance logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
$140.22
per month
More info
Compare product selection
Peoplecare Health Insurance logo
Basic Plus Hospital $750 & Simple Extras
Most LovedBasic Plus$750 excess
Hospital
Extras
$148.71
per month
More info
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Peoplecare Health Insurance logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
$158.69
per month
More info
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Peoplecare Health Insurance logo
Bronze Plus Hospital $750 & Simple Extras
Most LovedBronze Plus$750 excess
Hospital
Extras
$159.85
per month
More info
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Peoplecare Health Insurance logo
Hospital
Extras
$167.18
per month
More info
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Peoplecare Health Insurance logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
$173.20
per month
More info
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Peoplecare Health Insurance logo
Hospital
Extras
$178.32
per month
More info
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Peoplecare Health Insurance logo
Basic Plus Hospital $750 & Mid Extras
Most LovedBasic Plus$750 excess
Hospital
Extras
$181.69
per month
More info
Compare product selection
Peoplecare Health Insurance logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
$185.51
per month
More info
Compare product selection
Peoplecare Health Insurance logo
Bronze Plus Hospital $750 & Mid Extras
Most LovedBronze Plus$750 excess
Hospital
Extras
$192.83
per month
More info
Compare product selection
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Showing 10 of 34 results

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 pretty good! According to the most recent State of the Health Funds Report, Peoplecare has a 0.4% market share and accounts for 0.2% of all health insurance complaints made to the Commonwealth Ombudsman. That puts them at 8th best from 29 funds. Not the best, but a long way from the worst.

FAQs

Sources

Tim Bennett's headshot
To make sure you get accurate and helpful information, this guide has been edited by Tim Bennett as part of our fact-checking process.
Nicola Middlemiss's headshot
Journalist

Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

Nicola's expertise
Nicola has written 256 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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4 Responses

    Default Gravatar
    KerriMarch 28, 2016

    Is your ambulance cover australia wide

      Richard Laycock's headshotFinder
      RichardMarch 29, 2016Finder

      Hi Kerri,

      Thanks for your question. finder.com.au is a comparison service and not an insurer. Peoplecare will pay for 100% of the cost of your ambulance treatment and transport within Australia, no matter how far you need to travel.

      I hope this was helpful,
      Richard

    Default Gravatar
    frankDecember 7, 2015

    what is your email address. I have quite a lengthy email
    about joining but the address info@peoplecare is
    apparently wrong. I am deaf hate the phone so depend on emails

      Richard Laycock's headshotFinder
      RichardDecember 7, 2015Finder

      Hi Frank,

      Thanks for your question. finder.com.au is a comparison service and not an insurer. The contact email listed on the Peoplecare website and in the product disclosure statement (PDS) is info@peoplecare.com.au.

      I hope this was helpful,
      Richard

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