Skip to content
Explore Overview
advertisement ad placement


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.

What does private health insurance cover?

In Australia, taking out a private health insurance policy helps you pay for the cost of medical treatment.

Private health insurance helps you cover the cost of:

  • being treated in hospital as a private patient (not a public patient)
  • health care that Medicare does not cover such as physiotherapy, glasses and occupational therapy
  • receiving treatment from paramedics and being transported by an ambulance.
What are the different types of health cover?

In Australia, there are 3 types of private health cover:

When you buy private health insurance, you have to decide what type of cover you need.

You can buy different types of cover separately or combine Hospital Cover and Extras Cover in one policy.

Sometimes Hospital Cover and Extras Cover policies include Ambulance Cover.

Hospital Cover

Hospital Cover helps you pay for some or all of the cost of treatment as:

Extras Cover

Extras Cover helps you pay for medical and allied health services that:

  • you receive outside hospital
  • Medicare does not cover.

Some examples include:

Ambulance Cover

Ambulance Cover helps you pay for the cost of an ambulance if you live in a state or territory that does not provide a free ambulance service.

How do I get private health cover?

To get private health cover you must:

There are 32 registered insurers that sell private health insurance policies in these categories:

calculate your health insurance