Transport Health
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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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  • 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

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