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...
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 in...
Specialist fees for private hospital care in Australia have increased dramatically – in some cases, by as much as 9 times, new data shows. Figures from Private Healthcare Australia, the peak body for the health insurance industry, found that average out-of-pocket fees charged for treating private patients have surged by staggering amounts between 2018-19 and 2023-24. Average...
The Minister of Health has warned health insurers to focus on providing value to customers when they apply to increase their premiums over the next few weeks. Private health insurers are allowed to raise premiums once a year only, subject to government approval. Insurer applications for 2026 premium increases are due in November, with approved prices...
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In 2024-2025, 7.7 million Australians claimed the Private Health Insurance Rebate, meaning the government reimbursed $7.3 billion to private health insurers. According to Services Australia, the number of Australians claiming the Private Health Insurance Rebate has increased over the past 5 years. Key indices 2020-2021 2021-2022 2022-2023 2023-2024 2024-2025 Private health insurance memberships registered 7.1 million...
No. If you are an overseas visitor or overseas student, you are not eligible for the Private Health Insurance Rebate because it is only available on Private Health Insurance for Australian residents.You may have Overseas Visitors Health Cover or Overseas Student Health Cover. Unfortunately, the Private Health Insurance Rebate does not apply to these health...
Yes. The amount of your Private Health Insurance Rebate changes each year because:For current rates, please see: How does the Private Health Insurance Rebate work?
There are two ways to claim your Private Health Insurance Rebate:
To calculate your Private Health Insurance Rebate, you can use our healthslips.com.au Calculator. You will need to answer the following questions:
The Private Health Insurance Rebate is calculated based on your:If your income is higher than the income threshold, you may not receive the Private Health Insurance Rebate.To check whether you are eligible for the Private Health Insurance Rebate, use the tables below to find your Rebate. The percentages listed are the rebates you will receive...
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,...
The Private Health Insurance Rebate, also known as the Government Rebate, is a rebate the Australian Government pays to help cover the cost of your private health insurance. If you are eligible, it is calculated as a percentage of the cost of your health insurance for: