{"menuItems":[{"label":"Pros","anchorName":"#pros"},{"label":"Cons","anchorName":"#cons"},{"label":"Transport health insurance: Our verdict","anchorName":"#transport-health-insurance-our-verdict"},{"label":"What types of health insurance does Transport offer?","anchorName":"#what-types-of-health-insurance-does-transport-offer"},{"label":"Hospital Coverage","anchorName":"#hospital-coverage"},{"label":"Extras coverage","anchorName":"#extras-coverage"},{"label":"Combined coverage","anchorName":"#combined-coverage"},{"label":"Ambulance coverage","anchorName":"#ambulance-coverage"},{"label":"Transport frequently asked questions","anchorName":"#transport-frequently-asked-questions"}]}
Pros
In 2014 Transport Health changed from a fund restricted to the transport industry to one open to all Australians.
It comes with clear and simple hospital and extras policy options.
Cons
It only comes with 2 extras options. That means you won't be overwhelmed by choice but some funds do offer more
Why compare health insurance with Finder?
We don't ask for your phone or email to see prices.
With 1 click, you can open your results to nearly every fund in Australia.
You pay the same price as going direct – we charge no fees.
Transport health insurance offers 5 levels of cover:
Gold Ultimate Hospital. This covers all eligible treatments in Australia.
Silver Plus Assure Hospital. Comprehensive cover for most treatments including pregnancy and birth – ideal for couples wanting more children or to start a family.
Bronze Plus Essential Hospital $700 Excess. Ideal for the young and healthy who want affordable cover.
Bronze Plus Classic Hospital. Tailored to people who don't have serious health issues and want mid-level cover for things like ambulances, prostheses and pharmaceuticals.
Basic Plus Public Hospital. This is tailored to people who want basic cover to avoid the Medicare Levy Surcharge.
Extras coverage
Transport Health Services offers 2 different extras policies:
Deluxe Extras. Top level cover that includes most extras services available in Australia including orthodontics.
Healthy Choice Extras. Bare minimum cover for the basics – dental, optical, pharmaceuticals and specialist therapies like physio.
Combined coverage
You can combine any Transport hospital and extras health insurance policies to suit your needs.
Ambulance coverage
All Transport hospital insurance policies include cover for emergency ambulance transport.
Why you can trust Finder's health insurance experts
We're free
Our health insurance engine is completely free to use. You pay the same as buying directly from the health insurer. Better still, we regularly run exclusive deals that you won't find on any other site.
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and you can compare nearly every health fund in Australia on the site (and find a better deal).
We're here to help
Since 2014, we've helped 350,000+ people find health insurance by explaining your options simply. We'll never ask for your number or email to see prices. We're here to help you make a decision.
Transport frequently asked questions
No, Transport Health Insurance is a for-profit health fund.
When going to a Transport Health agreement hospital, the hospital will typically contact Transport Health directly to settle up, and you won't need to make a claim. However, you will need to pay the applicable excess directly to the hospital following discharge.Practitioners in hospitals may bill separately. When they choose to participate in Transport Health Medicover, the bill will be sent directly to Transport Health. When they do not, you can send a two-way claims form through Medicare.
To claim extras, you can generally just swipe your membership card where service providers have HICAPS facilities. For those that don't, you can send in a claims form instead, via email to enquiries@transporthealth.com.au or in the post. You can also download the Transport Health Insurance App.
Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, news.com.au, The Telegraph, Explore Travel and Escape. Gary holds a Kaplan Tier 1 General Insurance (General Advice) certification and a Kaplan Tier 1 Generic Knowledge certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
How likely would you be to recommend finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please note that the information published on our site should not be construed as personal advice and does not consider your personal needs and circumstances. While our site will provide you with factual information and general advice to help you make better decisions, it isn't a substitute for professional advice. You should consider whether the products or services featured on our site are appropriate for your needs. If you're unsure about anything, seek professional advice before you apply for any product or commit to any plan and read any disclosure documents (such as any Target Market Determination (TMD) and/or Product Disclosure Statement (PDS)) issued by the provider before making a decision.
Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan, we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.