Essentials

If you’re looking for a new Hospital Cover policy or upgrading your current policy, you’ll need to decide what private health insurance tier you need. There are 4 tiers of Hospital Cover: Here are the 3 steps to choose your Hospital Cover tier. 1. Decide on your healthcare needs Make a list of the hospital...

If you’re having a baby, or thinking about starting a family in the next couple of years, one of the bigger decisions to weigh up is whether it’s worth having health insurance so you can deliver your baby in private care. There’s lots of confusion about what health cover for pregnancy includes and what it...

Of the 47 insurers selling health insurance in Australia right now, 22 of them are not-for-profit, which means they aren’t focused on making and returning a profit to shareholders. So, does that mean policies from these insurers are cheaper? Here, we explore whether you’ll save money on health insurance by buying a policy from a...

According to data from the ATO released in June 2026, record numbers of Australians are now paying the Medicare Levy Surcharge at tax time. If that’s you – or you think you might be at risk of being charged it next year – here’s what you need to know. Do I have to pay the Medicare...

At the time of writing, there are 47 health insurers in Australia, each of them offering a vast array of policies at different levels of cover and varying prices. So, how do you choose? How can you decide what’s the best private health insurer in Australia? Here, we break it down. What’s the best private health...

When you take out a health insurance policy in Australia, there’s a waiting period before you can claim. On Hospital Cover, the waiting period length is set by the Australian government, but on Extras Cover, insurers can choose their own waiting periods. So, does health insurance with no waiting period exist, and how can you...

Physiotherapy is one of the most common treatments Australians claim on private health insurance. In fact, during the April to June 2025 quarter, Aussie insurers paid $131.64 million in physiotherapy benefits. But there are lots of misconceptions about how much you can claim for physio, when your limits reset and how to find the best...

If you need a colonoscopy in Australia, you could face a long wait. According to the Australian Institute of Health and Welfare, people waited between 133 and 197 days for a non-urgent colonoscopy in a public hospital in 2022 (between 4 and 6 months). For faster treatment, you might be wondering if you can go...