Private Health Insurance

Ambulance Cover is a type of insurance that covers the cost of being treated by paramedics and transported in an ambulance. In some states and territories, you can take it out with a health insurer or subscribe to your local ambulance service. This applies to: If you subscribe to an ambulance service in these locations...

Ambulance Cover can vary depending on your insurer. You can check whether the cover is right for you and/or your family by asking your insurer these questions:

Extras Cover is a type of health insurance that helps you pay for out-of-hospital health services that are not covered by Medicare.  It is also known as general treatment or ancillary cover. Extras Cover can include medical services and allied health services such as Physiotherapy, General Dental and Chiropractic. It is different from Hospital Cover,...

Extras Cover includes a broad range of common treatments. Unlike Hospital Cover, the Australian government has not put together a definitive list of what treatments fall under Extras Cover. Instead, it has specified 16 natural therapy treatments that private health insurers cannot cover. Some common Extras Cover treatments include:

How do you claim under Extras Cover? If you have Extras Cover, you can claim a percentage of the cost of health services covered under your policy.  Generally, Extras Cover allows you to claim a: Usually, Extras Cover is subject to per claim, annual and lifetime limits. What is a per claim limit? A per...

Yes. Generally, health insurers package Extras Cover at 3 different levels: Basic Extras Cover If you buy basic Extras Cover, you are covered for a limited range of treatments such as: You will receive a percentage of the cost each time you claim, up to an annual limit. Sometimes the annual limits are combined across...

The main benefit of taking out Extras Cover is that it helps you pay for health care services that Medicare does not cover. The easiest way to work out whether you want to take out Extras Cover is to look through the list of treatments offered and decide whether you are likely to use them....

If you are considering taking out private health insurance, you should consider Hospital Cover. In this overview, we explain everything you need to know about the Hospital Cover tiers – Basic, Bronze, Silver and Gold. We also provide a summary of each of the 38 Clinical Categories so you know, depending on which tier you...