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Transport Health Insurance Review

Transport Health could be good if you don't want to be overwhelmed by choice and want either basic or comprehensive extras cover.

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Transport Health


  • 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.


  • It only comes with 2 extras options. That means you won't be overwhelmed by choice but some funds do offer more

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Transport health insurance: Our verdict

Transport is a not-for-profit health fund which means the money it makes goes back towards its members.

Transport is good if:

  • Good for making a simple, easy-to-understand choice.
  • Good for mix and matching hospital and extras to meet your needs.

Transport is not great if:

  • You want lots of extras options to choose from.

Review by our insurance and innovations editor Gary Ross Hunter.

What types of health insurance does Transport offer?

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Hospital Coverage

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.

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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.

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Combined coverage

You can combine any Transport hospital and extras health insurance policies to suit your needs.

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Ambulance coverage

All Transport hospital insurance policies include cover for emergency ambulance transport.

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Transport frequently asked questions

Written by

Gary Ross Hunter

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, The Guardian and Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full profile

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