New to health insurance If you’ve never had health insurance, here’s everything you need to know to choose a policy – without the jargon.

In your 20s From cost to cover types, we help you decide what health insurance is right for you.

In your 30s Understand your options, compare costs and choose health insurance that fits you.

Starting a family Everything you need to know about health insurance for childbirth and cover for your children.

For seniors Decide whether you need health cover in the second half of your life, and choose a policy that fits your needs.

Compare dental cover from every insurer Quickly understand what dental cover includes, what it costs, and compare Extras Cover policies to meet your health needs and budget.

Explore Overview

Compare Overview

Calculate Cheapest Policy Search for a new policy based on your health cover needs and budget. We compare every insurer and every policy.

calculate new policy

Compare Existing Policy Compare your existing policy with similar policies to meet your current health cover needs and budget. Compare every insurer and every policy.

compare existing policy

Calculate Rebate Discount & Loading Check if your health insurance premium decreases or increases by calculating your Government Rebate, Age-based Discount and Lifetime Health Cover Loading.

About Us Overview

Our Brand Promises

How We Make Money

Your Contact Information

Guides Explore our 13 Guides to find everything you need to know about the Australian Health System and private health insurance.

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)

Cover Understand the different types of cover – Hospital Cover, Extras Cover, Ambulance Cover and the Excluded Treatments.

Hospital Cover (9 articles) Extras Cover (6 articles) Ambulance Cover (5 articles) Excluded Treatments

Insurers Find out everything you need to know about all registered health insurers in Australia and the brands that sell health insurance.

AAMI Health Insurance

AIA Health Insurance

Allianz Care Australia

APIA Health Insurance

Astute Simplicity Health

Australian Unity

Bupa Health Insurance

CBHS International Health

Doctors’ Health

Emergency Services Health

Health Partners

Hunter Health Insurance

ING Health Insurance

Latrobe Health Services

Mildura Health Fund

Nurses & Midwives Health

Phoenix Health Fund

Priceline Health Insurance

Qantas Insurance

Queensland Country Health Fund

Real Health Insurance

Reserve Bank Health Society (RBHS)

Seniors Health Insurance

St Lukes Health

Suncorp Health Insurance

Teachers Health

Territory Health Fund

Transport Health

Westfund

News Stay up-to-date with the latest health insurance news and developments.

Hospital Cover benefits up 32.5%, new data shows

Benefits for Hospital Cover treatments are up, with new data showing a 32.5% increase for the June 2026 quarter compared to the March quarter. The latest data from government regulator APRA shows health insurers paid $5.3 billion in benefits for private hospital treatments, including accommodation, nursing and medical services. The report also found: Earlier this year, Dr Rachel David, CEO of Private Healthcare Australia...

Comparison sites blamed for health cover premium rises

Medibank chief executive David Koczkar has blamed health insurance comparison sites for high premiums, saying commissions have driven up premiums by as much as 30%. According to a story in the Australian Financial Review, upfront commissions paid by insurers to aggregators were between 20% and 30% of the premium paid, Koczkar said. If an insurer...

More people paying Medicare Levy Surcharge, new ATO data shows

The number of Australians paying the Medicare Levy Surcharge at tax time continues to rise. New data from the Australian Tax Office shows the number of people who paid the Surcharge jumped from 768,537 in 2022-23, to 885,087 in 2023-24 – a 15% increase. The Medicare Levy Surcharge (MLS) applies to people who earn above the ATO income threshold and do not have Hospital Cover covering all members of their household. The...

Four-tier system driving up the cost of Gold cover, actuary says

Health insurance regulations mean top-level cover has increasingly become unaffordable for many Australians. That’s the finding in an Actuaries Digital article, which suggests that the 4 tiers – Basic, Bronze, Silver and Gold – should be restructured. The number of Australians with Gold tier policies has dropped from 95% in 2005 to just 30% in 2026, due to younger claimers being concentrated on expensive Gold policies. This means many people do not have access to services such as private maternity...

Mind the Gap – private health out-of-pocket costs hit new highs

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...

Family health cover just got more expensive – here’s how to save money

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...

Senior Australians face health insurance double whammy

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%,...

Bill shock as massive premium increases hit

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...

Our Contributors Overview

Stephen Treacey

CEO and Founder

Sophie Bartho

Chief Operating Officer

Vladimir Kundrat

Chief Technical Officer

Trudie McConnochie

Writer and Researcher

Writer and Researcher

Peter Kawecki

UX/UI Designer

Loren Jaffe

Brand and Graphic Designer

Customer Engagement Australia

Led by Chris Payne

Do you have a reference number? Resume your calculation.

You Overview

New to health insurance If you’ve never had health insurance, here’s everything you need to know to choose a policy – without the jargon.

In your 20s From cost to cover types, we help you decide what health insurance is right for you.

In your 30s Understand your options, compare costs and choose health insurance that fits you.

Starting a family Everything you need to know about health insurance for childbirth and cover for your children.

For seniors Decide whether you need health cover in the second half of your life, and choose a policy that fits your needs.

Compare dental cover from every insurer Quickly understand what dental cover includes, what it costs, and compare Extras Cover policies to meet your health needs and budget.

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)

Hospital Cover (9 articles) Extras Cover (6 articles) Ambulance Cover (5 articles) Excluded Treatments

Insurers Overview

AAMI Health Insurance

AIA Health Insurance

Allianz Care Australia

APIA Health Insurance

Astute Simplicity Health

Australian Unity

Bupa Health Insurance

CBHS International Health

Doctors’ Health

Emergency Services Health

Health Partners

Hunter Health Insurance

ING Health Insurance

Latrobe Health Services

Mildura Health Fund

Nurses & Midwives Health

Phoenix Health Fund

Priceline Health Insurance

Qantas Insurance

Queensland Country Health Fund

Real Health Insurance

Reserve Bank Health Society (RBHS)

Seniors Health Insurance

St Lukes Health

Suncorp Health Insurance

Teachers Health

Territory Health Fund

Transport Health

Westfund

Hospital Cover benefits up 32.5%, new data shows Comparison sites blamed for health cover premium rises More people paying Medicare Levy Surcharge, new ATO data shows Four-tier system driving up the cost of Gold cover, actuary says Mind the Gap – private health out-of-pocket costs hit new highs Family health cover just got more expensive – here’s how to save money Senior Australians face health insurance double whammy Bill shock as massive premium increases hit

Compare Overview

Calculate Cheapest Policy Search for a new policy based on your health cover needs and budget. We compare every insurer and every policy.

calculate new policy

Compare Existing Policy Compare your existing policy with similar policies to meet your current health cover needs and budget. Compare every insurer and every policy.

compare existing policy

Calculate Rebate Discount & Loading Check if your health insurance premium decreases or increases by calculating your Government Rebate, Age-based Discount and Lifetime Health Cover Loading.

About Us Overview

Our Brand Promises

Our Contributors Overview

Stephen Treacey

Sophie Bartho

Vladimir Kundrat

Trudie McConnochie

Peter Kawecki

Loren Jaffe

Loren Jaffe Customer Engagement Australia

How We Make Money

Your Contact Information

Do you have a reference number?
Resume your calculation.

Compare Every Insurer

Unbiased Comparisons

Cheapest Policy Guaranteed

Free Open Access

Compare Every Insurer

Unbiased Comparisons

Home Explore Guides

Guide

Private Health Insurance Rebate

Reviewed and updated 27 September 2024

In this Guide, we explain the Private Health Insurance Rebate, which is one way the Australian Government encourages you to take out private health insurance.

The Rebate can help you save money on your private health insurance, including:

This Guide will help you work out whether or not you are eligible for the Private Health Insurance Rebate, and how much you could save on your private health insurance.

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?

NEXT Age-based Discount

PREVIOUS Medicare Levy

Compare Every
Insurer

Compare all Australian health insurers and every policy

Unbiased
Comparisons

Compare using independent and comprehensive information

Cheapest Policy
Guaranteed

Compare all Private Health Information Statements, cheapest to most expensive

Free Open
Access

Compare without entering your name, email or phone number

Related Content

advertisement

calculate your health insurance

Policies change monthly, stay informed

Subscribe to stay informed. Insurers regularly update policies, introduce new policies and close policies. Our data is updated monthly.

When you give your contact details, you agree we may email you updated insurer information; let you know about helpful services and offers from healthslips.com.au and its trusted partners; and collect, store and use your information as stated in our Privacy Policy.

Thank you for subscribing!