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Finder doesn't currently have access to this health insurance brand. You might want to consider other options available on the health insurance homepage.
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
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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 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.
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 Hunter is a writer at Finder, specialising in insurance. He’s been writing about life, health, travel, home and pet insurance for over three years, has pored over hundreds of product disclosure statements and written more than 500 insurance articles. Gary holds a Tier 1 General Insurance (General Advice) certification and is passionate about helping Aussies understand their policies so that they can get better value for their money.
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