Private Health Insurers

Some health insurers offer cover via organisations, clubs and workplaces, and as an employee, member or customer, you may be eligible for one of these policies. In some cases corporate health insurance policies may be cheaper than similar policies that are open to the general public, but it depends on what arrangements your organisation has...

To compare health insurance prices you must start by comparing every health insurer and every policy available in Australia, including restricted insurers. You can compare premiums for a new policy and premiums relative to your existing policy.  Compare health insurance prices for a new policy  To compare health insurance premiums on a new policy, you must understand...

Yes. A non-student dependant can affect your health insurance price. If you have a child aged 18 to 31 who is not a full-time student, they may be covered as a non-student dependant on your policy, which may result in a higher premium. Non-student dependants can include those who are adopted, foster and stepchildren. Health insurers are...

If you have a dependant with a disability your insurer may increase the price of your health insurance.  For the purposes of Private Health Insurance, the Australian government defines a dependant with a disability as a person aged 18 or over who is a participant in the National Disability Insurance Scheme (NDIS). However insurers have the...

Private health insurance prices can vary on policies that cover certain types of adult dependants. Child dependants on health insurance are those under the age of 18 that do not have a partner. Student dependants must be aged between 18 and 31, enrolled in full-time study and must not have a partner.  There are 2 types...

Yes. Health insurer promotions including discounts, services, waivers, gifts or other offers must be applied equitably and available to all customers of that policy to avoid discrimination in the cost of health insurance.  However promotions offered to customers belonging to a contribution group may not be available to all customers. Promotions may also be higher for customers...

No. Health insurers do not have to offer the same promotions to new and existing customers.  Promotions for new customers are different to promotions for existing customers. To attract new customers, insurers might offer promotions such as discounts, services, waivers, gifts or other offers.  To retain existing customers, insurers may offer reduced premiums of up to 12% per...

Yes, health insurer promotions are regulated by the Australian government.  Find out more about how Private Health Insurance, including promotions, is regulated by the government.