Suncorp Health Insurance

See how Suncorp's health cover compares.

Looking to protect yourself with hospital, extras or combination of both? Find hospital and extras cover that you can tailor to your health, budget and wellbeing needs.

Unfortunately, Suncorp Health Insurance is not currently part of the finder.com.au health insurance panel. While you can compare quotes for Suncorp policies to other funds, you will not be able to purchase cover through our comparison engine.

Benefits of Suncorp Health Insurance

  • Health insurance products issued by nib health funds
  • Hospital and extras cover you can purchase separately or together depending on your needs
  • Extras cover that gives you 60% or 75% back on treatment costs, depending on the cover you choose
  • Pay by direct debit and save 4% on your monthly premiums
  • Claim online anytime, just upload a photo of your receipt to claim

What does Suncorp Health Insurance cover?

Suncorp Health Insurance is comprised of five levels of hospital cover and four levels of extras cover, all of which can be purchased separately or bundled together depending on your needs and budget. All hospital levels include accidental injury benefit cover after just one day and emergency ambulance transport.

Basic Hospital

Ideal for young and healthy families on a budget, this is entry-level Hospital cover that includes:

  • Appendix removal
  • Colonoscopies
  • Dental surgery
  • Gastroscopies
  • Grommets in ears
  • Gynaecological services
  • Hernia repair
  • Joint investigations
  • Joint reconstructions
  • Palliative care (MBP only)*
  • Psychiatric treatment (MBP only)*
  • Rehabilitation (MBP only)*
  • Tonsils and adenoids removal

*Minimum benefits payable (MBP) under the Private Health Insurance Act.

Basic Plus Hospital

Designed for young and healthy singles and couples, this includes everything in Basic Hospital plus:

  • Appendix removal
  • Brain surgery
  • Cancer surgery and in-hospital cancer treatment (approved under the Pharmaceutical Benefits Scheme)
  • Stroke treatment
  • All other Medicare-recognised services that are not listed as exclusions

Everyday Hospital

Ideal for families and older singles and couples, this includes everything in Basic Plus Hospital plus:

  • Back surgery
  • Heart-related procedures and surgery
  • Rehabilitation (eg physical therapy and exercise treatment)
  • Palliative care
  • Cochlear implant surgery and bone-anchored hearing devices

Everyday Plus Hospital

Designed for completed families and older couples, this includes everything in Everyday Hospital plus:

  • Eye treatments and surgery
  • Joint replacements
  • Renal dialysis

Top Hospital

Suncorp’s most comprehensive cover, this includes everything in Everyday Plus Hospital plus:

  • Pregnancy- and birth-related services
  • Infertility investigations
  • Assisted reproductive services
  • Obesity/weight loss surgery

Starter Extras

Paying 60% of the treatment cost up to your annual limit for that service, Starter Extras provides budget cover for the most common healthcare services including:

  • Physiotherapy
  • Chiropractic/osteopathy
  • General dental
  • Preventative dental
  • Pharmaceutical prescriptions
  • Optical
  • Ambulance

Starter Extras Plus

Also paying 60% of the treatment cost, Starter Extras Plus provides higher benefit limits and additional benefits including:

  • Major dental
  • Natural therapies
  • Remedial massage

Mid Extras

Also paying 60% of the treatment cost, Mid Extras provides even higher annual limits and a wider range of benefits including:

  • Orthodontia
  • Healthier lifestyle
  • Podiatry/Orthotics
  • Dietary advice
  • Top health aids
  • Psychology
  • Occupational therapy
  • Speech pathology (speech therapy)
  • Preventative tests

Top Extras

Paying 75% of the treatment cost up to your annual limit for that service, Top Extras is the most comprehensive cover with the highest annual limits and additional benefits including:

  • Exercise physiology
  • Antenatal and postnatal services
  • Home nursing services
  • Eye therapy (orthoptics)
  • Hearing aids/speech processors

Exclusions

Circumstances in which a benefit will not be paid include:

Hospital cover

  • Procedures performed during waiting periods
  • In-hospital treatment not recognised for payment of benefits by Medicare
  • Cosmetic procedures to enhance appearance
  • Hospital treatments not directly related to patient care
  • Admission or booking fees charged by a specialist or hospital
  • Pharmaceuticals available under the PBS
  • Oral contraceptives
  • Nursing home services
  • Private room accommodation for a same-day procedure
  • Respite care
  • Take-home items
  • Outpatient services performed by a doctor or specialist

Extras cover

  • Services provided during a waiting period
  • Services provided after the annual benefit limit has been reached
  • Services by providers not recognised by Suncorp
  • Services for treatment where compensation is available from another source
  • Services such as life insurance examinations or health screens required by employers
  • Consultations covered by a Medicare Primary Health Care Plan (eg psychology or dental plans)
  • Services provided outside of Australia

Waiting periods

Standard waiting periods that apply to Suncorp Health Insurance include:

Hospital cover

  • 12 months – pregnancy and birth related services and pre-existing conditions (other than psychiatric, rehabilitation or palliative care related)
  • 2 months – psychiatric, rehabilitation or palliative care (whether or not a pre-existing condition) and other conditions requiring hospitalisation that aren’t pre-existing conditions
  • 1 day – accidental injury and emergency ambulance

Extras cover

  • 36 months – hearing aids and cochlear speech processors
  • 12 months – artificial aids, non-specialty orthodontia, dental specialty services, dental prosthetic services, inlays, onlays, facings, orthodontia, periodontia, endodontia & oral surgery, dentures, denture maintenance/repairs & other prosthodontic services, periodontal surgical, root therapy and endodontic services by a dentist not registered as a specialist
  • 6 months – healthier lifestyle and optical appliances and repairs
  • 2 months – all services and items except those listed above

Making a claim

To make a claim on your Suncorp Health Insurance, you will need your Suncorp Health Insurance customer number and supporting documentation such as a provider’s receipt.

You can claim online anytime and in the case of extras cover, when visiting any service provider who offers on-the-spot claims by swiping your Suncorp Health Insurance card.

FAQs

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