Compare Health Insurance – Online quotes 30+ Aussie Funds

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Private health insurance helps you cover the cost of hospital treatments as well as some out-of-hospital services, such as benefits for dental. When comparing your health insurance, you can pick hospital, extras cover or a combined policy with both. The treatments you’re covered for will vary based on the price you pay.

How much does private health insurance cost?

That depends on the level of cover you have. Most health funds in Australia offer a low, medium and high level of cover for both hospital and extras health insurance. You’ll often see these labelled as Gold, Silver, Bronze or Basic.

We’ve crunched the averages below from over 10 Australian health funds to give you an idea of what you can expect to pay for each month. Prices quoted are based on a single policy in Sydney, earning less than $90,000 with a $500 hospital excess from April 2019.

Basic $79.86

Ambulance cover

Bronze $90.87

Joint replacements, adenoids and cancer

Silver $126.81

Dental surgery, lung, chest and heart issues

Gold $170.90

Pregnancy, IVF and weight loss surgery

Low $12.85

One no gap dental check-up


Middle $34.95

Approximately a $600 dental limit

Optical, physio, massage and major dental

High $81

No waiting periods on dental and optical

All the above plus hearing aids, laser eye

How to compare health insurance

It can be tricky to compare apples for apples with health insurance. Whether you’re switching or looking for the first time, here are a few tips that may help. They may even save you some money.

See how much you’re paying. Get a starting point of what you’re paying now. If you’re on a couples policy, see if you both need to be on the same level of cover or if you’d be better off looking at two singles policies (if one of you is pregnant or planning to be, for example).

Look at your hospital and extras separately. It’s easy to just go for a combined package, but by reviewing your hospital separately you can mix and match your level of cover. You can also choose different funds.

Explore all options. There are over 30 health funds in Australia, don’t just stick on the same policy as your parents or friends. It’s a regulated industry so you can feel safe exploring your options.

See what you’re actually paying for. Review your extras limits and make sure you claim them every year. Drop the things you’re not using.

Switch and use deals. There are no real downsides to switching funds, as you can carry over your waiting periods and often save heaps. Make sure you check out any sign-up deals every time you switch.

Compare types of private health insurance

It’s up to you to decide what type of private health insurance you’d like cover for. Here’s how many Australians have health insurance in 2019.

Public vs private health insurance comparison

Not sure if private health insurance is worth it? Here are some key differences between the public and private healthcare system in Australia:

Doctor A public hospital will allocate a doctor for you. You don’t get to choose. You can choose which doctor you see.
Private room You’ll likely end up in a shared room in a public hospital. Insurance gives you access to a private room if there’s one available.
Waiting lists Waiting lists for elective treatments can range from a few weeks to a few years. Private insurance usually involves a shorter wait. For some procedures, you may even be able to pick your date.
Treatment types Medicare doesn’t cover most dental, hearing aids or other out-of-hospital treatments. Extras can give you cashback on out-of-hospital services such as optical, dental, psychology and hearing aids.
Ambulance costs In most cases, Medicare won’t pay for your ambulance except in Queensland and Tasmania. Most health funds include cover for an emergency ambulance, even on Basic policies.

Live sign-up deals for health insurance

ahm Dealsahm Deals

Get 6 weeks free + Skip waiting periods on extras including general dental

Skip all 2 & 6-month waiting periods. Offer applies when signing up for hospital + extras.

Last verified

Coupon code ends

Medibank Health Insurance DealsMedibank Health Insurance Deals

Get 4 weeks free + Skip 2 & 6 month waiting period on extras

Join eligible Gold or Silver hospital & extras cover by May 31st. New members only.

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Coupon code ends

nib Health Insurance Dealnib Health Insurance Deal

Get 1 month free + Skip the 2 & 6 month waiting periods

Offer applies when joining with hospital + extras cover online.

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AAMI Health Insurance DealsAAMI Health Insurance Deals

Up to $300 off + Skip 2 & 6 month waiting periods

Offer applies when joining hospital + extras cover. New members only.

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Qantas Health Insurance DealsQantas Health Insurance Deals

Earn up to 120,000 Qantas points + Skip 2 & 6 month waiting periods

Offer applies when joining hospital + extras cover. T&Cs apply.

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Suncorp Health Insurance DealsSuncorp Health Insurance Deals

Up to $300 off + Skip 2 & 6 month waiting periods

Offer applies when joining hospital + extras cover. New members only.

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CUA Health DealsCUA Health Deals

Get an eGift card upto $400 when joining hospital + extras

Offer applies to new members with signing up for combined cover. T&Cs apply.

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Questions you may have about health insurance

Who offers health insurance in Australia?

How many Australians have health insurance?

There are just over 13.5 million Australians with private health insurance. That’s over half (54%) of the country’s population.

How do I find health insurance for specific treatments?

Thanks to the most recent PHI reforms, which have introduced Basic, Bronze, Silver and Gold tier policies, finding cover for a specific service is easier than ever. Every tier is required to provide cover for specific services so you can check out what is included in each and select the one that covers the treatment you require.

Compare your options in our guides designed for specific treatments:

What happens if I cancel health insurance?

If you cancel your health insurance, you won’t be entitled to the services you would have otherwise had access to. This means you would have to pay out of your own pocket for a trip to the hospital.

Do I have to re-serve waiting periods if I switch?

You often won’t have to re-serve waiting periods if you had similar or equivalent cover with another provider. However, if you’re upgrading or didn’t previously have cover for a service that your new policy includes, you will probably have to serve a waiting period.

Is health insurance tax-deductible?

The Medicare Levy Surcharge (MLS) is a rebate based on your and your family’s income and any dependants. Depending on your income, you may be entitled to a private health insurance offset at tax time or reduced insurance premiums.

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