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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.

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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.

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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.

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...

Gaps for hospital treatment up 7.7%, new data shows

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...

Health insurance premiums rise to 9-year high

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...

Higher Gaps forcing many people to delay care, survey finds

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...

Health insurance giving Aussies less value, doctors say

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...

Insurers paying more for hospital claims, new data shows

Increased claim costs are putting health insurers under pressure, new data shows. The latest figures from industry regulator, the Australian Prudential Regulation Authority (APRA), show $5.2 million was paid for hospital treatment claims in the September 2025 quarter – an 8.0% increase compared with the same quarter last year and much higher than the growth...

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Stephen Treacey

CEO and Founder

Sophie Bartho

Chief Operating Officer

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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.

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

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 Gaps for hospital treatment up 7.7%, new data shows Health insurance premiums rise to 9-year high Higher Gaps forcing many people to delay care, survey finds Health insurance giving Aussies less value, doctors say Insurers paying more for hospital claims, new data shows

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

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Insurer

Emergency Services Health

Reviewed and updated 21 April 2026

Emergency Services Health

Website: http://www.eshealth.com.au Email: enquiries@eshealth.com.au Postal Address: 320 King William Street, Adelaide SA Phone: 1300 703 703

About Emergency Services Health

What is Emergency Services Health?

Emergency Services Health is a brand that operates as an open health insurer.

Background

Police Health (a registered insurer) created the Emergency Services Health brand to sell health insurance policies to emergency services workers and their families.

Who can join Emergency Services Health?

As of 2026, Emergency Services Health policies are no longer available for purchase. If you already had an Emergency Services Health policy, your policy is now managed by Police Health.

How to contact Emergency Services Health

Phone:

1300 603 603

Website:

http://www.policehealth.com.au

Email:

enquiries@policehealth.com.au

Address:

Police Health
320 King William Street
ADELAIDE SA 5000

Postal address:

Reply Paid
PO Box 6111
Halifax Street
ADELAIDE SA 5000

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