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Australian Health System (25 articles) Private Health Insurance (29 articles) Private Health Insurers (14 articles) Medicare (28 articles) Medicare Benefits Schedule (MBS) (6 articles) Pharmaceutical Benefits Scheme (PBS) (8 articles) Public Hospitals (6 articles) Private Hospitals (6 articles) Medicare Levy (7 articles) Private Health Insurance Rebate (7 articles) Age-based Discount (5 articles) Lifetime Health Cover Loading (11 articles)

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Hospital Cover (9 articles) Extras Cover (5 articles) Ambulance Cover (5 articles) Excluded Treatments

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AAMI Health Insurance

ACA Health

ahm

AIA Health Insurance

Allianz Care Australia

APIA Health Insurance

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Australian Unity

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CBHS Corporate

CBHS Health

Defence Health

Doctors Health

Emergency Services Health

Frank

GMHBA

GU Health

HBF

HCF

HCi

Health Partners

HIF

Hunter Health Insurance (by CDH Benefits Fund)

ING Health Insurance

Latrobe Health Services

Medibank

Mildura Health Fund

Navy Health

nib

Nurses & Midwives Health

onemedifund

Peoplecare

Phoenix Health Fund

Police Health

Priceline Health Insurance

Qantas Insurance

Queensland Country Health Fund

Real Health Insurance

Reserve Bank Health Society (RBHS)

rt health

see-u By HBF

Seniors Health Insurance

St Lukes Health

Suncorp Health Insurance

Teachers Health

Territory Health Fund

Transport Health

TUH

UniHealth

Union Health

Westfund

News Overview

Claims for private hospital procedures rise, APRA report finds

More and more Australians are seeking private hospital treatment, new data has shown. The latest statistics from industry regulator Australian Prudential Regulation Authority (APRA) revealed a 5.1% increase in hospital treatment episodes claimed on health insurance in the 12 months from July 2023 to June 2024. Health insurers paid more than $18 million in claims...

Aussies parents paying large Gaps for obstetric care

Australian women who choose to have their baby delivered by an obstetrician at a private hospital are paying alarmingly high out-of-pocket fees, it’s been revealed. According to Private Healthcare Australia (PHA), the peak body for the health insurance industry, obstetricians are charging as much as $650 for first consultations, a significantly higher fee than that...

Health insurers respond to Ozempic’s popularity

One private health insurer has reduced its cover for Ozempic amid a surge of popularity for the weight-loss drug. Last month, HBF, the largest health insurer in Western Australia, announced it was reducing rebates for Ozempic, saying the rise in claims had become unsustainable. So far, no other insurers have changed their position on the...

Health insurers paying more benefits than ever, report shows

Australians are depending on their health insurance more than ever before, new data has revealed. The latest Private Health Insurance statistics from government regulator APRA has found that health insurers paid $17.6 billion in benefits for Hospital Cover treatments in the 12 months to March 2024, an increase of 9.7%. Insurers also paid out $6.2...

Misunderstanding health insurance policy causes ‘bill shock’

Not understanding exactly what your health insurance policy covers could leave you with ‘bill shock’ later if you need surgery or another significant treatment. A recent ABC story explored the impact of discovering your health insurance doesn’t provide the level of cover you expected. It profiles two Australian women who faced large bills for hip...

Health insurance premiums to rise 3.03% on 1 April

Australians could be paying around 3.03% more for health insurance in 2024 after 1 April. The federal government has approved an average health insurance premium increase of 3.03% –but individual policies may rise or less, depending on the insurer. According to the ABC, the largest government-approved increases were 5.82% for CBHS Corporate Health, followed by...

Insured Australians paying $410 for hospital treatment, new data shows

Australians with health insurance are paying an average of $410.67 out of pocket for hospital treatment, according to the latest industry statistics released by APRA.

Out-of-pocket fees up by 300%, data shows

Out-of-pocket fees for elective in-hospital procedures have increased up to 300% in the past five years, says Private Healthcare Australia.

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Explore Overview

Guides Overview

Cover Overview

Hospital Cover (9 articles) Extras Cover (5 articles) Ambulance Cover (5 articles) Excluded Treatments

Insurers Overview

AAMI Health Insurance

ACA Health

ahm

AIA Health Insurance

Allianz Care Australia

APIA Health Insurance

Astute Simplicity Health

Australian Unity

Bupa Health Insurance

CBHS Corporate

CBHS Health

Defence Health

Doctors Health

Emergency Services Health

Frank

GMHBA

GU Health

HBF

HCF

HCi

Health Partners

HIF

Hunter Health Insurance (by CDH Benefits Fund)

ING Health Insurance

Latrobe Health Services

Medibank

Mildura Health Fund

Navy Health

nib

Nurses & Midwives Health

onemedifund

Peoplecare

Phoenix Health Fund

Police Health

Priceline Health Insurance

Qantas Insurance

Queensland Country Health Fund

Real Health Insurance

Reserve Bank Health Society (RBHS)

rt health

see-u By HBF

Seniors Health Insurance

St Lukes Health

Suncorp Health Insurance

Teachers Health

Territory Health Fund

Transport Health

TUH

UniHealth

Union Health

Westfund

News Overview

Claims for private hospital procedures rise, APRA report finds Aussies parents paying large Gaps for obstetric care Health insurers respond to Ozempic’s popularity Health insurers paying more benefits than ever, report shows Misunderstanding health insurance policy causes ‘bill shock’ Health insurance premiums to rise 3.03% on 1 April Insured Australians paying $410 for hospital treatment, new data shows Out-of-pocket fees up by 300%, data shows

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Calculate Cheapest Policy Search for a new policy based on your health cover needs and budget. We compare every insurer and every policy.

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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 price decreases or increases by calculating your Government Rebate, Age-based Discount and Lifetime Health Cover Loading.

personalise your price

About Us Overview

Why Us?

Our Brand Promises

Our Contributors Overview

Stephen Treacey

Sophie Bartho

Trudie McConnochie

Corrina Baird

How We Make Money

How We Use Your Contact Information

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Home Explore Guides Australian Health System

Australian Health System

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How is the Australian Health System funded?

Reviewed and updated 3 April 2024

Funding of the Australian Heath System is complex.

It is shared between:

the Australian Government
state and territory governments
private health insurers
non-government organisations
individuals when they pay out-of-pocket costs for services that are not fully subsidised by government or private health insurers.

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