Who owns Peoplecare health insurance?

Peoplecare is a member-owned health insurer.

Is Peoplecare public or private?

Peoplecare is a private, member-owned health insurance company.

Peoplecare Health Insurance Review

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Peoplecare policies are generally cheaper than average with Basic hospital cover being very affordable.
Peoplecare does not offer Gold hospital cover; however, Silver Plus Grow covers pregnancy and birth.
Peoplecare is a member-owned, not-for-profit health fund.

Our verdict

Pros

According to Finder consumer research, Peoplecare's policies are priced 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

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 of 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	Price
Peoplecare Health Insurance - Basic Plus Hospital $750 Basic$750 excess	Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Eye excluding cataracts Pain management Gynaecology Lung and chest +2 other treatments covered	See provider for current pricing	View details Compare product selectionCompare	loading
Peoplecare Health Insurance - Silver Plus Hospital $750 Silver$750 excess	Lung and chest Back neck and spine Cataracts Joint replacements Blood Dental surgery Palliative care Pregnancy and birth +27 other treatments covered	See provider for current pricing	View details Compare product selectionCompare	loading

Showing 2 of 2 results

5 of 5 results

Treatments	Price
Peoplecare Health Insurance - Ambulance Only Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids	See provider for current pricing	View details Compare product selectionCompare	loading
Peoplecare Health Insurance - Simple Extras Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +1 other treatments covered	See provider for current pricing	View details Compare product selectionCompare	loading
Peoplecare Health Insurance - Mid Extras Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +4 other treatments covered	See provider for current pricing	View details Compare product selectionCompare	loading
Peoplecare Health Insurance - High Extras Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +6 other treatments covered	See provider for current pricing	View details Compare product selectionCompare	loading
Peoplecare Health Insurance - Premium Extras Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +6 other treatments covered	See provider for current pricing	View details Compare product selectionCompare	loading

Showing 5 of 5 results

10 of 34 results

Treatments	Price
Peoplecare Health Insurance - Basic Accident Hospital $750 & Simple Extras Basic$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General dental Major dental Optical Hearing aids +3 other treatments covered	See provider for current pricing	View details Compare product selectionCompare	loading
Peoplecare Health Insurance - Basic Plus Hospital $750 & Simple Extras Basic$750 excess	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	See provider for current pricing	View details Compare product selectionCompare	loading
Peoplecare Health Insurance - Basic Accident Hospital $750 & Flex Essentials Extras Basic$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General dental Major dental Optical Hearing aids +4 other treatments covered	See provider for current pricing	View details Compare product selectionCompare	loading
Peoplecare Health Insurance - Basic Plus Hospital $750 & Flex Essentials Extras Basic$750 excess	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	See provider for current pricing	View details Compare product selectionCompare	loading
Peoplecare Health Insurance - Bronze Plus Hospital $750 & Simple Extras Bronze$750 excess	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	See provider for current pricing	View details Compare product selectionCompare	loading
Peoplecare Health Insurance - Basic Accident Hospital $750 & Mid Extras Basic$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General dental Major dental Optical Hearing aids +7 other treatments covered	See provider for current pricing	View details Compare product selectionCompare	loading
Peoplecare Health Insurance - Basic Plus Hospital $750 & Mid Extras Basic$750 excess	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	See provider for current pricing	View details Compare product selectionCompare	loading
Peoplecare Health Insurance - Basic Accident Hospital $750 & Flex Up Extras Basic$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General dental Major dental Optical Hearing aids +6 other treatments covered	See provider for current pricing	View details Compare product selectionCompare	loading
Peoplecare Health Insurance - Bronze Plus Hospital $750 & Flex Essentials Extras Bronze$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +21 other treatments covered Extras General dental Major dental Optical Hearing aids +4 other treatments covered	See provider for current pricing	View details Compare product selectionCompare	loading
Peoplecare Health Insurance - Basic Plus Hospital $750 & Flex Up Extras Basic$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix +3 other treatments covered Extras General dental Major dental Optical Hearing aids +6 other treatments covered	See provider for current pricing	View details Compare product selectionCompare	loading

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

We looked at the Commonwealth Ombudsman's 2024-25 State of the Health Funds report. Here's how Peoplecare stacked up:

Peoplecare's share of complaints (0.5%) matched its share of the market (0.5%), giving it a market-share-to-complaint ratio of 100%.
None of Peoplecare's complaints needed to be investigated by the Ombudsman.

FAQs

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.

Thank you for your feedback!

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

Written by

Nicola Middlemiss

Journalist

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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 170 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

KerriMarch 28, 2016

Is your ambulance cover australia wide

Finder

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

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

Finder

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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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.