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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
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Guide

What is an open insurer?

Reviewed and updated 26 February 2025

An open insurer or health fund is open to the general public, rather than offering membership to a particular profession or workplace only.

Anyone in Australia who has a Medicare Card can join an open insurer and take out private health cover.

As at February 2025, there were 35 open health insurers in Australia. 

No.Insurer
1.AAMI
2.ahm (Australian Health Management)
3.AIA Health Insurance
4.APIA
5.Astute Simplicity Health
6.Australian Unity
7.Bupa Health Insurance
8.CBHS Corporate
9.Frank
10.GMHBA
11.GU Health
12.HBF
13.HCF
14.HCi
15.Health Partners
16.HIF
17.Hunter Health Insurance (by CDH Benefits Fund)
18.ING
19.Latrobe Health Services
20.Medibank
21.Mildura Health Fund
22.nib
23.onemedifund
24.Peoplecare
25.Phoenix Health Fund
26.Priceline Health Insurance
27.Qantas Insurance
28.Queensland Country Health Fund
29.Real Health Insurance
30.RT Health
31.see-u
32.Seniors Health Insurance
33.St Lukes Health
34.Suncorp
35.Westfund

Note: GU Health operates as an open health fund but provides health insurance products to corporates only. It does not sell policies to individuals.

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