Explore Overview
Guides Overview
Australian Health System
(25 articles)
Health Insurance Prices
(20 articles)
Private Health Insurance
(34 articles)
Private Health Insurers
(15 articles)
Medicare
(28 articles)
Medicare Benefits Schedule (MBS)
(6 articles)
Pharmaceutical Benefits Scheme (PBS)
(8 articles)
Public Hospitals
(6 articles)
Private Hospitals
(7 articles)
Medicare Levy
(7 articles)
Private Health Insurance Rebate
(7 articles)
Age-based Discount
(5 articles)
Lifetime Health Cover Loading
(11 articles)
Insurers Overview
AAMI Health Insurance
ACA Health
ahm
AIA Health Insurance
Allianz Care Australia
APIA Health Insurance
Astute Simplicity Health
Australian Unity
Bupa Health Insurance
CBHS Corporate
CBHS Health
CBHS International Health
Defence Health
Doctors’ Health
Emergency Services Health
Frank
GMHBA
GU Health
HBF
HCF
HCi
Health Partners
HIF
Hunter Health Insurance (by CDH Benefits Fund)
ING Health Insurance
Latrobe Health Services
Medibank
Mildura Health Fund
Navy Health
nib
Nurses & Midwives Health
onemedifund
Peoplecare
Phoenix Health Fund
Police Health
Priceline Health Insurance
Qantas Insurance
Queensland Country Health Fund
Real Health Insurance
Reserve Bank Health Society (RBHS)
RT Health
see-u by HBF
Seniors Health Insurance
St Lukes Health
Suncorp Health Insurance
Teachers Health
Territory Health Fund
Transport Health
TUH
UniHealth
Union Health
Westfund
AAMI Health Insurance
ACA Health
ahm
AIA Health Insurance
Allianz Care Australia
APIA Health Insurance
Astute Simplicity Health
Australian Unity
Bupa Health Insurance
CBHS Corporate
CBHS Health
CBHS International Health
Defence Health
Doctors’ Health
Emergency Services Health
Frank
GMHBA
GU Health
HBF
HCF
HCi
Health Partners
HIF
Hunter Health Insurance (by CDH Benefits Fund)
ING Health Insurance
Latrobe Health Services
Medibank
Mildura Health Fund
Navy Health
nib
Nurses & Midwives Health
onemedifund
Peoplecare
Phoenix Health Fund
Police Health
Priceline Health Insurance
Qantas Insurance
Queensland Country Health Fund
Real Health Insurance
Reserve Bank Health Society (RBHS)
RT Health
see-u by HBF
Seniors Health Insurance
St Lukes Health
Suncorp Health Insurance
Teachers Health
Territory Health Fund
Transport Health
TUH
UniHealth
Union Health
Westfund
News Overview
Health insurance giving Aussies less value, doctors say
Insurers paying more for hospital claims, new data shows
Aussies paying steep Gaps for specialist care, data shows
Govt warns insurers about premium increases
ACT residents paying high Gaps, as premiums set to rise
Hospital Cover claims jump 11.6% amid public hospital strain
Four times more Australians paying Medicare Levy Surcharge, data shows
Yoga, Pilates and other natural therapies return to Extras Cover
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Use our Guides to find out everything you need to know about the Australian Health System and private health insurance
Australian Health System Guide
Australian Health System explained
- How does the Australian Health System work?
- What services does the Australian Health System provide?
- Who manages the Australian Health System?
- How are hospital cases managed within the Australian Health System?
- How is the Australian Health System funded?
- How much do health services cost in Australia?
- What challenges does the Australian Health System face?
- What is the Therapeutic Goods Administration (TGA)?
- What is the National Health and Medical Research Council (NHMRC)?
- What is the Medical Research Future Fund (MRFF)?
- What is the National Immunisation Program (NIP)?
- What are Primary Health Networks (PHNs)?
- What is the difference between the health systems in Australia, the UK and the US?
Australian health professionals explained
- Who provides healthcare in Australia?
- How to navigate the Australian Health System
- What is a medical practitioner?
- What is a General Practitioner (GP)?
- What is a medical specialist?
- What are the specialist medical colleges?
- What is a registered nurse?
- What are allied health professionals?
- How are healthcare professionals regulated in Australia?
- What is the Australian Health Practitioner Regulation Agency (APRA)?
- What are my rights as a patient in the Australian Health System?
- How do I complain about a healthcare professional or service provider?
Private Health Insurance Guide
Private health insurance explained
- What is private health insurance?
- Is private health insurance community rated or risk rated?
- How does private health insurance work?
- Do I need private health insurance?
- Why don’t private health insurers cover the entire cost of treatments?
- Will I get treatment faster if I have private health insurance?
- What happens if I don’t have private health insurance?
- What are private health insurance incentives?
- What are private health insurance surcharges?
- How much tax will I save with private health insurance?
- What is the best way to compare private health insurance policies?
Managing your private health insurance
- How to choose private health insurance
- What is a Private Health Information Statement (PHIS)?
- What are private health insurance premiums?
- What are private health insurance waiting periods?
- Do waiting periods apply if I change health insurers?
- What is an excess?
- What is a co-payment?
- What are out-of-pocket costs?
- Do I have to pay out-of-pocket fees for treatments outside of hospital?
- How can I avoid out-of-pocket costs?
- How to make a private health insurance claim
- What is informed financial consent?
- What is a Medical Gap?
- What is a Hospital Gap?
- What is the Medical Gap Cover Scheme?
- When does private health insurance reset?
- What is a closed policy?
- How do I know if I have a combined policy or separate policies?
- What can I do if I have a problem with my private health insurance?
- How do I change to a different private health insurer?
- What is a Transfer Certificate or Clearance Certificate?
- How do I cancel my private health insurance?
- What is a Private Health Insurance Statement?
Private Health Insurers Guide
- What are the private health insurers in Australia?
- What are the registered private health insurers in Australia?
- What are the largest private health insurers in Australia?
- What is an open insurer?
- What is a restricted insurer?
- What is a for-profit insurer?
- What is a not-for-profit insurer?
- What is a mutual?
- How are the private health insurers regulated?
- What is white labelling in health insurance?
- Can private health insurers increase their premiums whenever they want to?
- What is the Private Health Insurance Ombudsman (PHIO)?
- What is Private Healthcare Australia?
- What is the Members Health Fund Alliance?
- What are corporate health insurance policies?
Medicare Guide
- What is Medicare?
- Who is eligible for Medicare in Australia?
- How does Medicare work?
- What is Medicare Bulk Billing?
- What is a Medicare Card?
- How to apply for a Medicare Card
- What are Medicare Benefits?
- What is a Medicare Rebate?
- How to claim a Medicare Benefit
- How is Medicare funded?
- What is the Medicare Safety Net?
- What does private health insurance cover that Medicare doesn’t?
- How to enrol in Medicare
- How to order a new Medicare Card
- How to get my own Medicare Card
- How to get an extra Medicare Card
- How to get a digital copy of my Medicare Card
- How do I find my Medicare Number?
- What is the Individual Reference Number (IRN) on my Medicare Card?
- How to add someone to a Medicare Card
- How to remove someone from a Medicare Card
- How long can I stay on my parents’ Medicare Card?
- How to update my details with Medicare
- How to link Medicare to myGov
- How to get a linking code to link Medicare and myGov
- How to link Medicare to Service NSW
- How to add Medicare Card to Apple Wallet
- How to contact Medicare
Medicare Benefits Schedule (MBS) Guide
- What is the Medicare Benefits Schedule (MBS)?
- What is the difference between the Medicare Benefits Schedule (MBS) and the Medicare Benefits Scheme?
- What is the Medicare Benefits Schedule (MBS) Fee?
- What services are included on the Medicare Benefits Schedule (MBS)?
- What services are not included on the Medicare Benefits Schedule (MBS)?
- Has the Medicare Benefits Schedule (MBS) been reviewed or updated?
Pharmaceutical Benefits Scheme (PBS) Guide
- What is the Pharmaceutical Benefits Scheme (PBS)?
- What does the Pharmaceutical Benefits Scheme (PBS) cover?
- How does the Pharmaceutical Benefits Scheme (PBS) work?
- How to claim a refund through the Pharmaceutical Benefits Scheme (PBS)
- What is the Pharmaceutical Benefits Scheme (PBS) Safety Net?
- How does the Pharmaceutical Benefits Scheme (PBS) work for pensioners and concession card holders
- What is the Repatriation Pharmaceutical Benefits Scheme (RPBS)?
- How is the Pharmaceutical Benefits Scheme (PBS) funded?
Public Hospitals Guide
- What is a public hospital?
- Are public hospitals in Australia free?
- Who funds and manages public hospitals in Australia?
- What is the difference between a public and private hospital?
- What is a public hospital surgery waiting list?
- How many public hospitals in Australia?
Private Hospitals Guide
Medicare Levy Guide
- What is the Medicare Levy?
- What is a Medicare Levy Exemption?
- How to apply for a Medicare Levy Exemption?
- What is the Medicare Levy Surcharge?
- How much is the Medicare Levy Surcharge?
- How to avoid paying the Medicare Levy Surcharge
- Can I avoid the Medicare Levy Surcharge if I can access Medicare under a reciprocal healthcare agreement?
Private Health Insurance Rebate Guide
- What is the Private Health Insurance Rebate?
- How does the Private Health Insurance Rebate work?
- How to calculate the Private Health Insurance Rebate
- How to claim the Private Health Insurance Rebate
- Does the amount of my Private Health Insurance Rebate change each year?
- Are overseas visitors and overseas students eligible for the Private Health Insurance Rebate?
- How many Australians claim the Private Health Insurance Rebate?
Lifetime Health Cover Loading Guide
- What is the Lifetime Health Cover Loading?
- How long does the Lifetime Health Cover Loading last?
- How much is the Lifetime Health Cover Loading?
- What is the Lifetime Health Cover Loading Base Day?
- How do I calculate my Base Day?
- Do I have to pay the Lifetime Health Cover Loading if there has been a gap in my Hospital Cover?
- How does the Lifetime Health Cover Loading work for people with a disability?
- How does the Lifetime Health Cover Loading work for new migrants to Australia?
- Do I have to pay the Lifetime Health Cover Loading if I am an Australian who lives overseas and return to Australia temporarily?
- How does the Lifetime Health Cover Loading work if I am an Australian who has been living overseas and return to Australia permanently?
- Who receives a Lifetime Health Cover Loading exemption?
Cover
What type of private health cover do you need? There are 3 types of cover – Hospital Cover, Extras Cover and Ambulance Cover. Let us help you find the right cover for you.
Hospital Cover
About Hospital Cover
- What is Hospital Cover?
- What is the difference between Hospital Cover and Extras Cover?
- How does Hospital Cover work?
- Should I take out Hospital Cover?
- How to understand the difference between Basic, Bronze, Silver and Gold Hospital Cover
- What is Basic, Bronze and Silver Plus Cover?
- How should I decide what Hospital Cover tier is best for me?
- Can I get Hospital-only Cover?
- Can I get Hospital Cover without a waiting period?
Hospital Cover Clinical Categories
- Assisted Reproductive Services
- Back, Neck and Spine
- Blood
- Bone, Joint and Muscle
- Brain and Nervous System
- Breast Surgery (medically necessary)
- Cataracts
- Chemotherapy, Radiotherapy and Immunotherapy for cancer
- Dental Surgery
- Diabetes Management
- Dialysis for Chronic Kidney Failure
- Digestive System
- Ear, Nose and Throat
- Eye (not cataracts)
- Gastrointestinal Endoscopy
- Gynaecology
- Heart and Vascular System
- Hernia and Appendix
- Hospital Psychiatric Services
- Implantation of Hearing Devices
- Insulin Pumps
- Joint Reconstructions
- Joint Replacements
- Kidney and Bladder
- Lung and Chest
- Male Reproductive System
- Miscarriage or Termination of Pregnancy
- Pain Management
- Pain Management with Device
- Palliative Care
- Plastic and Reconstructive Surgery (medically necessary)
- Podiatric Surgery (by a registered podiatric surgeon)
- Pregnancy and Birth
- Rehabilitation
- Skin Conditions
- Sleep Studies
- Tonsils, Adenoids and Grommets
- Weight Loss Surgery
Extras Cover
Understand Extras Cover treatments
- Acupuncture
- Antenatal/Postnatal Classes
- Audiology
- Blood Glucose Monitors
- Chinese Medicine
- Chiropractic
- Dietetics/Dietary Advice
- Endodontic Services
- Exercise Physiology
- Eye Therapy (Orthoptics)
- General Dental
- Health Management/Healthy Lifestyle
- Hearing Aids
- Home Nursing
- Major Dental
- Non-PBS Pharmaceuticals
- Occupational Therapy
- Optical
- Orthodontics
- Orthotics (Podiatric Orthoses)
- Osteopathy
- Physiotherapy
- Podiatry
- Psychology
- Remedial Massage
- Speech Therapy
- Vaccinations
Ambulance Cover
Excluded Treatments
Insurers
Find out everything you need to know about the registered health insurers in Australia.
- AAMI Health Insurance
- ACA Health
- ahm
- AIA Health Insurance
- Allianz Care Australia
- APIA Health Insurance
- Astute Simplicity Health
- Australian Unity
- Bupa Health Insurance
- CBHS Corporate
- CBHS Health
- CBHS International Health
- Defence Health
- Doctors’ Health
- Emergency Services Health
- Frank
- GMHBA
- GU Health
- HBF
- HCF
- HCi
- HIF
- Hunter Health Insurance (by CDH Benefits Fund)
- ING Health Insurance
- Health Partners
- Latrobe Health Services
- Medibank
- Mildura Health Fund
- Navy Health
- nib
- Nurses and Midwives Health
- onemedifund
- Peoplecare
- Phoenix Health Fund
- Police Health
- Priceline Health Insurance
- Qantas Insurance
- Queensland Country Health Fund
- Real Health Insurance
- Reserve Bank Health Society (RBHS)
- rt health
- Seniors Health Insurance
- see-u
- St Lukes Health
- Suncorp
- Teachers Health
- Territory Health
- Transport Health
- TUH
- UniHealth
- Union Health
- Westfund
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