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.

Name Product 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
$86.32
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
$131.77
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
$184.67
per month
All treatments
loading
Name Product 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
$5.71
per month
All treatments
Simple Extras
Extras cover
Peoplecare Health Insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +1 other treatments covered
$28.67
per month
All treatments
Mid Extras
Extras cover
Peoplecare Health Insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +4 other treatments covered
$56.30
per month
All treatments
High Extras
Extras cover
Peoplecare Health Insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +6 other treatments covered
$86.45
per month
All treatments
Premium Extras
Extras cover
Peoplecare Health Insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +6 other treatments covered
$133.43
per month
All treatments
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1 - 10 of 20
Name Product Treatments Price Apply Hide Compare
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
  • +3 other treatments covered
$112.12
per month
All treatments
Peoplecare Health Insurance logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +21 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +3 other treatments covered
$120.51
per month
All treatments
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
  • +7 other treatments covered
$136.98
per month
All treatments
Peoplecare Health Insurance logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +21 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +7 other treatments covered
$145.38
per month
All treatments
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
  • +3 other treatments covered
$157.57
per month
All treatments
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
  • +10 other treatments covered
$164.12
per month
All treatments
Peoplecare Health Insurance logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +21 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +10 other treatments covered
$172.52
per month
All treatments
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
  • +7 other treatments covered
$182.43
per month
All treatments
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
  • +10 other treatments covered
$206.40
per month
All treatments
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
  • +10 other treatments covered
$209.57
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 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

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To make sure you get accurate and helpful information, this guide has been edited by Tim Bennett as part of our fact-checking process.
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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 243 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

      AvatarFinder
      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

      AvatarFinder
      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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