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Transport Health

Reviewed and updated 1 June 2024

About Transport Health

What is Transport Health?

Transport Health is a private health insurer that operates as an open health fund


Transport Health was established in 1888 to help Melbourne tramway workers pay for medical and hospital treatment. It gradually expanded to provide health cover to all sectors of the Australian transport industry.

In 2014, Transport Health became an open fund, which meant anyone could become a member. 

In 2021, Australia’s largest not-for-profit insurer HCF took over Transport Health. It now operates as a subsidiary of HCF but sells policies under the Transport Health brand.

Who can join Transport Health?

Anyone can join Transport Health because it is an open fund.

What products does Transport Health offer?

Transport Health offers:

It also offers a broader health cover program that includes early hospital release, hospital in the home, chronic disease management and cover for babies. 

Do Transport Health policies include Ambulance Cover?

Transport Health includes emergency Ambulance Cover with:

  • Hospital Cover
  • Combined Hospital and Extras Cover.

Is Transport Health a not-for-profit health insurer?

No. Transport Health is a for-profit health insurer. However, its parent company HCF is a not-for-profit insurer.

Does Transport Health operate in all Australian states and territories?

Yes. Transport Health operates in all Australian states and territories.

How does Transport Health Hospital Cover compare with other insurers?

BenchmarksTransport HealthIndustry average
Member retention for Hospital Cover– 86.9%
% hospital-related charges covered92.4%89.9%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2023

Does Transport Health have agreements with some private hospitals or day hospitals to provide services at low cost or with no out-of-pocket costs?

Yes. Transport Health has agreements with a number of private hospitals that allow it to provide services to its members at low cost or with no out-of-pocket costs:

LocationNumber of private Agreement HospitalsIndustry maximum

Transport Health also has agreements with a number of day hospitals so it can provide services at low cost or with no out-of-pocket costs:

LocationNumber of day Agreement HospitalsIndustry maximum

Source: Transport Health: performance

How does Transport Health Extras Cover compare with other insurers?

BenchmarkTransport HealthIndustry average
% Extras Cover charges covered46.9%51.1%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2023

How does Transport Health compare with other private health insurers?

BenchmarksTransport HealthIndustry average
Market share
% services with no gap85.2%88.3%
% services with no gap or where known gap payment made92.9%97.2%
Market share of complaints to the PHIO0.2%3.1%
% complaints investigated by the PHIO0.0%3.1%
Benefits as a % of contributions79.5%80.5%
Management expenses as a % of contribution income16.1%13.1%
Management expenses per average policy$527$592

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2023

Is Transport Health a member of any industry organisations?

Yes. Through its parent company HCF, Transport Health is a member of Private Healthcare Australia (PHA). This body represents 20 registered health insurers and 97% of people covered by private health insurance.

Through HCF, it is a member of the Members Health Fund Alliance, an alliance of not-for-profit, member-owned, regional or community-based health insurers.

Does Transport Health let me claim online or via an app?

Yes. Transport Health allows you to make a claim for Extras using the Transport Health mobile app. 

How to contact Transport Health


1300 806 808




Level 8
403 George Street

Postal address:

PO Box 545

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