Ask each of your doctors or healthcare providers to set out their fee in writing and if you need to pay a Medical Gap.
Explore Overview
Guides Overview
Australian Health System
(25 articles)
Health Insurance Prices
(20 articles)
Private Health Insurance
(30 articles)
Private Health Insurers
(15 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)
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 and 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
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 and 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
Health insurers criticised for using ‘loophole’ to raise prices
Aussies hit with higher out-of-pocket payments
Aussies warned about ‘double dipping’ by medical specialists
NSW residents may face higher bill for health cover next year
Premiums predicted to rise by $114 a year
Claims for private hospital procedures rise, APRA report finds
Aussies parents paying large Gaps for obstetric care
Health insurers respond to Ozempic’s popularity
Compare Overview
Calculate Cheapest Policy
Search for a new policy based on your health cover needs and budget. We compare every insurer and every policy.
Even if you have Private Health Insurance, you will probably have to pay part of the cost of your treatment.
Informed financial consent is a process that involves your doctor, healthcare provider, health insurer and hospital so you understand how much you have to pay out of your own pocket before your treatment.
Before you are treated, you are entitled to ask the following people and organisations about any extra money you must pay out of your own pocket:
- your doctor
- your healthcare provider
- your health insurer
- the hospital.
Follow these steps to find out whether you have to pay any out-of-pocket costs:
Step 1:
Step 2:
Ask your health insurer whether your policy covers the procedure and whether you have to pay:
- an excess
- a co-payment
- any other charge.
Step 3:
Ask your hospital whether it has an agreement with your health insurer and whether you have to pay a Hospital Gap or any extra costs. Ask for this information in writing.