Transport Health insurance

Transport Health

Considering cover from Transport Health? Read the review and compare cover options.

If you want ultimate peace of mind when it comes to your health and wellbeing, private health insurance cover offers the protection you need. Transport Health has been offering affordable health insurance cover to its members since 1888. Though initially only available for those employed in the transport industry, Transport Health now offers its range of policies to all.

From basic cover through to comprehensive protection and even combined cover plans, Transport Health offers health insurance to suit a variety of budgets and requirements.

What health insurance options are available from Transport Health?

Transport Health offers Hospital and Extras cover to transport workers and also to the general public. They have a range of Hospital covers including Public, Healthy Choice and Top Hospital with or without an excess or co-payment. They also offer two levels of Extras cover; Healthy Choice and Top Extras plus combinations of Hospital and Extras cover for singles, couples and families.

Hospital and extras

Transport Health offers combined Hospital and Extras packages for singles, couples and families.

  • Young Singles Combined Cover. Young Singles Combined Cover offers mid level private hospital and basic level extras package with an excess for young, healthy singles. Hospital cover includes emergency ambulance, accidents, tonsils, appendix, hernia and wisdom teeth removal, cancer related surgery, shoulder and knee reconstructions and more. Extras cover includes emergency ambulance, optical, dental, physio, chiro, osteo, remedial massage, travel vaccinations and more.
  • Young Couples Combined Cover. Young Couples Combined Cover offers mid level private hospital and basic level extras package with an excess for young, healthy couples who aren’t yet ready to start a family. Includes the same benefits and extras as Young Singles Combined Cover.
  • Top Hospital with Excess & Healthy Choice Extras. Top Hospital with Excess & Healthy Choice Extras combines Top Hospital and Healthy Choice Extras to offer comprehensive protection for families and single parents, with a $250 excess to help reduce the premium cost. Hospital cover includes emergency ambulance, accidents, tonsils, appendix, hernia and wisdom teeth removal, cancer related surgery, shoulder and knee reconstructions, heart, colonoscopy, joint replacements, pregnancy, psychiatric and more. Extras include major dental, optical, physio, chiro, osteo, pharmacy, podiatry, tai chi, yoga, pilates and more.

Hospital only

Public Hospital
  • Public Hospital covers treatment as a private patient in a shared room in a public hospital, with a choice of doctor and cover for emergency ambulance and approved prostheses. Also provides basic minimum benefit (MB) cover for a range of hospital services.
  • Excludes elective cosmetic surgery.
Healthy Choice
  • Healthy Choice mid level hospital cover with a $100 a night co-payment to help reduce the premium cost. Includes emergency ambulance, approved prostheses, podiatric surgery, accident related services, removal of tonsils, adenoids, appendix, kidney, gall stones and wisdom teeth, hernia treatment, colonoscopy, cancer related services, spinal fusion and disc replacement surgery, spinal scoliosis, cochlear implant surgery, insulin pump treatments and all joint investigations and reconstructions.
  • Excludes joint replacement surgery, renal dialysis, gastric banding and obesity surgery, IVF, pregnancy and birth related services, sterilisations, vasectomies and reversals, eye surgery (including cataracts) and elective cosmetic surgery.
Top Hospital
  • Top Hospital offers comprehensive hospital cover that includes all in-hospital services where a Medicare benefit is payable.
  • Excludes elective cosmetic surgery.
Top Hospital with Excess
  • Top Hospital with Excess offers comprehensive hospital cover with a $250 excess to help reduce the premium cost. Includes all in-hospital services where a Medicare benefit is payable.
  • Excludes elective cosmetic surgery.
Top Hospital with Co-Payment
  • Top Hospital with Co-Payment provides comprehensive hospital cover with a $100 a night co-payment to help reduce the premium cost. Includes all in-hospital services where a Medicare benefit is payable.
  • Excludes elective cosmetic surgery.

Extras only

Transport Health also offers two levels of Extras cover; Healthy Choice Extras and Top Extras.

  • Healthy Choice Extras. Healthy Choice Extras provides broad extras cover that includes emergency ambulance, comprehensive dental, optical, chiro, osteo, myotherapy, podiatry (excluding foot orthotics), pharmacy and health management programs.
  • Top Extras. Top Extras offers comprehensive level extras with the broadest cover and highest percentage back. Includes emergency ambulance, comprehensive dental, optical, psychology, physio, chiro, osteo, myotherapy, podiatry, remedial massage, acupuncture, Bowen technique, reflexology / shiatsu, dietetics, speech, eye and occupational therapy, herbalism, naturopathy, homoeopathy, tai chi, yoga and pilates, health management programs, pharmacy, home surgical nursing, artificial aids / health appliances, orthotics, hearing aids, audiology and laser eye correction surgery.

When won't I be covered – what are the general exclusions?

Your Transport Health claim will not be paid if:

  • It is for services for which no Medicare benefit is payable
  • It is for cosmetic surgery that is not medically necessary
  • It is for hospital services you receive within a waiting period
  • It is for medical services provided out of hospital
  • It is for costs that you have a right to recover as damages or compensation from a third party
  • It is for the treatment of pre-existing conditions within the first 12 months of your policy
  • It is for services not delivered face to face, such as services provided over the phone
  • It is for pharmacy items listed on the Pharmaceutical Benefits Scheme
  • It is for the cost of hiring goods, for example crutches
  • It is for goods or services that have not been provided at the time you make a claim
  • It is for goods or services received overseas
  • It is for more than one therapy service performed by the same provider in the same day
  • The provider is not registered with a board or an association recognised by Transport Health
  • The provider is not in private practice
  • It is for dental procedures where you have exceeded the limit on the number you can have performed.

How much is this going to cost me?

The following factors can all affect the cost of your Transport Health cover:

  • The level of cover you choose. The higher the level of cover, the more it’ll cost you to take out.
  • Whether you choose a policy with an excess or co-payment option. You will enjoy lower premiums but will need to pay more if you are admitted to hospital.
  • Your age and income. These factors can affect your eligibility for an Australian Government rebate on the cost of private health cover.
  • Lifetime Health Cover loading. If you take out private health insurance cover after July 1 following your 31st birthday, you’ll be required to pay a premium loading as part of the Lifetime Health Cover scheme.
  • Type of cover you choose. Whether you choose standalone hospital cover, standalone extras cover or combined cover.

How is the excess applied to cover?

Under some hospital cover options you will need to pay an excess or co-payment when you are admitted to hospital. While no excess applies to Top Hospital Cover, people who choose Top Hospital Cover With Excess must pay $250 per person. Those who choose Top Hospital Cover With Co-payment must pay $100 per night (up to a maximum of $500) when they are admitted to hospital. A $100 per-night co-payment also applies to Healthy Extras Hospital Cover.

How can I pay less for cover?

  • Choose a policy with an excess. Choosing Top Hospital With Excess Cover entitles you to lower premiums than you pay on Top Hospital Cover.
  • Choose a lower level of cover. This can save you a significant amount of money but make sure that you still have adequate insurance protection in place.
  • Sign up before you turn 31. If you don’t take out cover before your 31st birthday, you may have to pay a premium loading under the Lifetime Health Cover scheme.
  • Cover yourself. Choose standalone cover instead of a combined policy.

Does Transport Health offer a loyalty benefit?

Transport Health offers a Loyalty Reward to thank customers for their continued support. If you have held membership of Young Couples cover for 24 consecutive months, you can upgrade to a Top Cover plan for pregnancy and birth-related services, without having to worry about sitting through any further waiting periods.

How do I make a claim?

If you need to make an extras claim, many health care providers offer instant electronic claiming. All you need to do is swipe your Transport Health membership card at your provider’s terminal and any benefits you receive will be automatically deducted from your bill. If this option is not available you can lodge your claim by downloading a form from the Transport Health website, filling it out and submitting it by mail, email or fax.

When it comes to hospital claims, any costs are usually billed directly to Transport Health so all you need to do is pay any necessary excess or co-payment charges.

Make a claim online with the Transport Health claims app

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Transport Health FAQs

While Transport Health once only offered its products to those who worked in the transport industry, people right across Australia are now able to apply for its health insurance covers.

As private health insurance does not cover you overseas, Transport Health allows you to suspend your cover when you go on holidays. The minimum suspension period is 30 days and the maximum is 12 months.

If you’re 31 or over, a premium loading may apply for every year you are without private health insurance. You can find a loading calculator on the Department of Health website to determine how much your premiums will be.

Yes, you can quickly and easily obtain a private health cover quote from the Transport Health website.

Yes, the list can be found by clicking the ‘Preferred Providers’ tab on the Transport Health website.



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