Australians with health cover are paying larger out-of-pocket costs for private treatment than ever, new data shows. The average Gap for private hospital treatment has climbed to $511.02 – an increase of 8.4% from the previous quarter, according to the latest statistics from government regulator APRA (the Australian Prudential Regulation Authority). Average Gaps for Extras Cover have increased to $65.02 – a 3.4% rise. Orthopaedic procedures remain the most expensive when it comes to out-of-pocket costs, with...
The cost of raising children continues to rise, with policies for families among the hardest hit in the latest health insurance premium increases.Analysis by health insurance comparison site healthslips.com.au found increases to Family and Single Parent policies have risen higher than policies that don’t include children.The government announced health insurance premiums would rise by an...
Senior Australians are facing a double whammy of health insurance cost rises, putting extra pressure on wallets during the cost-of-living crisis. Changes to the Private Health Insurance Rebate, coupled with high premium increases to policies that meet health needs of people over 65, mean senior Australians will be hit doubly hard by new health insurance changes. Currently the Private Health Insurance Rebate reduces premiums for people on low incomes by up to 24.288%, with reductions...
Health insurance premiums will increase by an average of 4.41% on 1 April, but some Australians are already experiencing bill shock after finding their policies will increase by as much as 10.74%. In the past few weeks policyholders have been notified by health insurers about their premium rises on 1 April 2026 and in some cases, the increases are significantly higher than 4.41%. Analysis by health insurance comparison...
Out-of-pocket fees for Australians with health insurance have risen, new data shows. Statistics from health insurance industry regulator APRA reveal average Gaps for hospital treatment rose by 7.7% in 2025, from an average of $437.61 to $471.29. Gaps for Extras Cover claims were up 5.6% from an average $59.53 to $62.87. Despite the increased Gaps and the cost-of-living crisis, Australians are holding onto their health insurance policies. There was no change to...
The government has approved a 4.41% average health insurance premium rise for 2026 – the highest increase in 9 years. Every year, health insurers must apply to the Minister for Health and Ageing to raise premiums. Last year’s average increase was 3.73%, while the 2017 average was 4.84%. Policyholders will be advised of their premium change over the coming weeks, with new premiums effective from 1 April. The Private Health Insurance Rebate will also be reduced from 1 April...
Increased out-of-pocket costs for specialists are leading many Australians to delay or cancel specialist care, a recent study has found. A survey of 4,000 people by Private Healthcare Australia – peak body for the health insurance industry – found that 55% of people received a higher specialist bill than expected in the past 3 years, and almost one in 3 people had delayed or cancelled specialist care due to costs. The survey – which included 2,300 people...
The Australian Medical Association (AMA), an advocacy group for doctors, says private health insurance no longer provides value for money, and wants the government to overhaul the industry. The association’s annual Private Health Insurance Report Card, released today, found premium prices had doubled over the past 16 years, outstripping health inflation.“Australians are paying more for their...
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Skin cancer is the most common cancer in Australia, according to the Cancer Council, with more than 2 in 3 of us likely to be diagnosed in our lifetime. One of the most common treatments – including melanoma, basal cell carcinoma and squamous cell carcinoma – is surgical excision to remove the lesion. In fact, based on Medicare data, more than 100 skin cancer treatments for squamous and basal cell carcinoma took...
Kidney stones are a painful condition that can affect 1 in 10 men and 1 in 35 women in Australia. While most stones will pass by themselves, some people will need to go to hospital for treatment and pain relief. In an emergency, you’ll be treated free in a public hospital but there can be long waiting lists for non-emergency kidney stone treatment. It’s faster to get treated in a private hospital, but there...
Around 14% of Australian women are living with endometriosis, a painful condition where tissue grows outside the uterus. There’s no cure for this debilitating condition, but there are treatments to relieve the symptoms – including surgical options. If you’re living with endometriosis and want the option of skipping long wait lists and having surgery in a private hospital, health insurance is worth considering. According to The Guardian, public wait lists for endometriosis surgery can...
Around 43% of Australians will experience a mental health disorder in their lifetime, and some may need to be hospitalised for treatment. While treatment in public hospitals is free under Medicare, our mental health services are under enormous strain, so you might consider using your health insurance for psychiatric care in a private hospital or psychiatric facility for faster treatment. According to the Australian Institute of Health and Welfare, in 2023-24 around 21% of overnight...
If you find wearing glasses or contact lenses annoying or impractical, laser eye surgery might seem like the right decision for you. According to Optometry Australia, around two-thirds of Australians wear prescription glasses and 13% wear contact lenses. If you’re among that number and your optometrist has suggested laser surgery, there’s lots to weigh up...
If you’ve been told you’ll need surgery in the near future and you have private health insurance, you might be wondering whether it’s better to go to a public or private hospital. In 2023-24, around 67% of elective surgeries in Australia were done in private hospitals. While being treated in a public hospital is free under Medicare, there may be long waits to be seen by a specialist and then to have your surgery – and you can’t choose...
Waiting for hernia surgery can be a long, and potentially painful, process. The latest data from the Australian Institute of Health and Welfare shows that the median wait time for hernia surgery was 77 days (around 2.5 months). But that’s only an average – around 6% of people waited more than a year for their...
If you’re likely to need surgery this year, you could be in for a long wait. Although your surgery will be free under Medicare in the public health system, there may be a lengthy wait for non-urgent procedures. Of course, if you have health insurance, you can be seen quicker as a private patient, but that doesn’t necessarily mean your surgery will be free. Depending on your policy, and the doctors...