We have different levels of cover to suit your needs
Private health insurance puts you in control of your health care. You get to choose how best to manage your health – like when and where you’ll be treated and who’ll look after you.
Hospital cover
Hospital cover pays for private hospital accommodation, theatre fees, intensive care and Medicare-recognised treatments. It also provides a valuable contribution towards the cost of the medical practitioners treating you in a private hospital.
Extras cover
Extras cover gives you money back on the everyday health services not usually covered by Medicare – such as dental, optical, physio, chiro and psychology. These are the services that help to keep you and your family healthy.
Combined hospital and extras cover
Combined hospital and extras cover gives you both types of insurance in one policy. These policies can range from health essentials to good all round cover through to comprehensive hospital cover with premium extras. When comparing combined policies, check that both the extras and hospital component are right for you.
Gold, silver, bronze and basic cover
Basic, bronze, silver and gold tiers of hospital cover means that people know what they're signing up for.
The benefits of Private Health Insurance
Private Health insurance can help ease your pain. When you’re covered by us, you can:
- be treated sooner than people going through the public system
- choose your own doctor
- reduce or even eliminate out-of-pocket expenses
Defining key terms
Need clarification? Navigate Private Health Insurance terms and concepts with our helpful guides.
To find out more about Australian Government Rebate for private health insurance click here
To find out more about Medicare Levy Surcharge click here
To find out more about Lifetime Health Cover click here
To find out more about waiting periods click here
To find out more about Private Health Insurance Code of Conduct click here
Policy conditions for gold, silver, and bronze basic cover
The introduction of the clearly defined basic, bronze, silver, and gold tiers of hospital cover also means that people know what they’re signing up for and what their cover includes.
Each tier of cover available in Australia must include the same minimum clinical categories. As the government mandates:
“If a policy covers a certain clinical category, then it must cover everything described as part of the category – not only some things. For example, ‘bone, joint and muscle’ category, or ‘heart and vascular system’ category – they must cover all of the treatment within that category.