Private Health Insurance Quote Australia - Our data has been updated following the November 1 fee increase by HCF, NIB, Bupa and several smaller health funds.
If you buy insurance through iSelect, Marketplace Compare or Health Insurance Compare, they earn a percentage of your premiums. If they don't get a commission, they won't show you the policy, even if it's the best one for your needs.
Private Health Insurance Quote Australia
Canstar and Finder charge a subscription fee which affects what is shown in the comparison. Usually only these funds are shown - you need to uncheck the box to show funds that don't pay them a fee.
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What's different? Well, first of all, we don't take commissions from healthcare. You pay us directly to search widely and apply our expert score to find the best value for your needs.
We're also non-profit and not here to sell - so you won't be getting phone calls or emails from us.
Our experts are not here to sell you a policy or earn a commission. They are there for you and uncover policies that deliver real value.
In this section, we provide health insurance information and tools to help you find the right health insurance policy for your needs.
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We do not provide specific financial advice or endorse any specific product. We can help guide you through the process of making direct inquiries to health insurance providers and, if necessary, provide professional financial advice. The information we provide is not a substitute for these measures. We have included links to some providers for your convenience, but this does not constitute an endorsement of those providers or their products. We do not receive commissions from health insurance companies.
We do not provide any medical advice regarding your particular circumstances. If you have any questions about any medical condition, see your GP or other appropriate healthcare professional. The information we provide comes largely from third parties. Although we make every effort to verify this information, we cannot guarantee its accuracy or completeness. The review of this information should be followed by repeated questions to the relevant service providers.
For the above reasons, we disclaim all liability for errors or misrepresentations in health insurance information, and we assume no responsibility for your use of or reliance on such information, or for the use of the tools in this section.
Good value for money, suitable for demand, no need to provide contact information for sales calls. Damian - member
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I save over $100 a month with the same policy with an excellent rating. Marcus - member
I use it every year. The tool helps make health insurance less confusing. Tony - Member
The policy offered came with insurance that I had never heard of, so I would never have considered switching to it if it hadn't happened. Definitely worth a member. Sandra - member
The only comparison site for ALL financial comparisons. Choosing health insurance is one of the most difficult and time-consuming tasks. After using the site, I chose a box. Dirt!!! James - Member
Public Vs Private Healthcare Australia Guide
Private health insurance can help pay for hospital stays and other medical expenses, such as dental or physical therapy. This is an additional cost on top of the taxes you already pay to Medicare, but depending on your insurance level, you can choose your doctor and stay as a private patient in a public or private hospital.
You can purchase health insurance that covers both in-hospital and out-of-hospital expenses. It usually helps with the cost of the hospital room and the doctor of your choice, but you may have to pay extra out of pocket. Health insurance, which contributes to hospital costs, is often called "extras" and helps pay for services such as dental and vision services.
With the highest government deductible, the average annual cost of private health insurance in Australia is $2,853 for a single person with combined hospital and excess cover, or $5,885 for a family policy with combined hospital and excess cover. The expenses of both spouses are usually the same as the expenses of the family. The cost of health insurance can vary greatly depending on the state you live in and how much coverage you've purchased, as well as state subsidies and penalties that apply to your specific circumstances.
Private health insurance and Medicare cover the same treatments and services. The main difference is where you are treated: public or private. If you are a permanent resident of Australia, Medicare pays for or free visits to doctors and specialists, treatment and accommodation (bed or room) in a general hospital. Private hospital insurance allows you to receive private treatment. While you'll likely have your own room, choose your doctor, and avoid the sometimes long waiting lists at public hospitals, you'll also face costs beyond insurance premiums.
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The difference is the difference between what Medicare recommends (the cost of scheduling Medicare benefits) and what the doctor or hospital actually charges. You have to pay the difference (difference), which is why it is sometimes called an out-of-pocket cost. Health funds have gap plans that help you cover your out-of-pocket costs and cover all or part of the shortfall. The "No Difference" system puts a cap on how much you will pay for MBS. If your doctor is above the MBS but below or reaches the 'non-gap' level of coverage, you don't have to pay.
A deductible is an amount you pay out of pocket, once per hospital visit, to reduce your premiums. You'll only pay the extra cost if you end up in hospital, so if you're not expected to be in hospital during the year (no surgery planned), you can save money by opting for extra insurance.
A private health insurance rebate is an amount that the government adds to your private health insurance premiums. You can get a private health insurance discount from the amount of private health insurance premiums paid to your insurer. Withdrawals are means-tested, so if your income is above the income threshold, you may not be eligible for a deduction. If you are over 65, you get a higher discount, and over 70 it is higher again.
A pre-existing condition is an illness or medical condition that existed or had signs or symptoms 6 months prior to taking out private hospital insurance. With a few exceptions, insurers provide you with a 12-month waiting period if you apply for coverage for a pre-existing condition. Once a policy's waiting period has expired, you don't have to service it again if you change, even if your terms already exist.
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As you get older, you are more likely to need certain types of treatments and surgeries, such as cataracts or knee and hip replacements. If you want these in a private hospital, they are only covered by the premium, premium policies (Gold and Silver Plus), so keep this in mind when choosing pensioner health insurance. We've partnered with HCF Health Insurance to bring you a special cash bonus of up to $400.
We've partnered with Canstar's best value health insurance premium HCF for 6 consecutive years to provide a special cash bonus of up to $400 when you join the hospital and extra cover for a 3 month stay.
. As a member organization, HCF is committed to putting the health of you and your family first.
If you join HCF Health Insurance with combined hospital and supplementary insurance* before 30 November 2022*, you will have a chance to win one of the following:
Australian Health Insurance Statistics 2022
Up to $400 cash back when you join members. If you join HCF hospital and extra insurance and stay for 3 months, you can get up to USD 400 cashback.
100% discount on popular supplements 100% cashback on supplements available from over 3000 WA providers in the HCF network.
HCF's high value insurance has received Canstar's Best Value - Health Insurance award for seven consecutive years (2016-2022).
You can create your own hospital and extra plan, or if you just need hospital cover or just something extra, you can do it yourself. Here's a summary of HCF's most popular products to help you find the right cover for you.
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Comprehensive hospital cover including pregnancy cover for peace of mind, plus affordable mid-range extras for dental, eye and medical care.
Not sure which cover is right for you? With HCF, you can customize your cover according to your unique needs.
*This price is for one cover per person
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