Skip to content
Healthslips logo
Greenslips logo
Healthslips logo
Explore 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
Do you have a reference number?
Resume your calculation.
Healthslips logo Greenslips logo
Compare Every Insurer
No Commercial Bias
Cheapest Policy Guaranteed
Free Open Access
Compare Every Insurer
No Commercial Bias
Guides
Guide

Private Health Insurance

Reviewed and updated 27 September 2024

In this Guide, we provide an overview of private health insurance in Australia, as well as answer your most common questions.

This Guide explains:

  • how private health insurance works
  • how to work out whether you need private health insurance and the best type of cover for you
  • some key concepts underlying private health insurance:
  • how to manage your private health insurance and how to make a claim.

Private health insurance explained

What is private health insurance?
Is private health insurance community rated or risk rated?
How does private health insurance work?
Do I need private health insurance?
Why don’t private health insurers cover the entire cost of treatments?
Will I get treatment faster if I have private health insurance?
What happens if I don’t have private health insurance?
What are private health insurance incentives?
What are private health insurance surcharges?
How much tax will I save with private health insurance?
What is the best way to compare private health insurance policies?

Managing your private health insurance

How to choose private health insurance
What is a Private Health Information Statement (PHIS)?
What are private health insurance premiums?
What are private health insurance waiting periods?
What is an excess?
What is a co-payment?
What are out-of-pocket costs?
How can I avoid out-of-pocket costs?
How to make a private health insurance claim
What is informed financial consent?
What is a Medical Gap?
What is a Hospital Gap?
What is the Medical Gap Cover Scheme?
When does private health insurance reset?
What can I do if I have a problem with my private health insurance?
How do I change to a different private health insurer?
How do I cancel my private health insurance?
What is a Private Health Insurance Statement?

We promise

Read more
Compare Every
Insurer

Compare all Australian health insurers and every policy
No Commercial
Bias

Compare using independent and comprehensive information
Cheapest Policy
Guaranteed

Compare all Private Health Information Statements, cheapest to most expensive
Free Open
Access

Compare without entering your name, email or phone number

Related Content

advertisement
calculate your health insurance