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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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Calculate Rebate Discount & Loading Check if your health insurance premium decreases or increases by calculating your Government Rebate, Age-based Discount and Lifetime Health Cover Loading.

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Australian Health System (25 articles) Health Insurance Prices (20 articles) Private Health Insurance (31 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)

Hospital Cover (9 articles) Extras Cover (6 articles) Ambulance Cover (5 articles) Excluded Treatments

Insurers Overview

AAMI Health Insurance

AIA Health Insurance

Allianz Care Australia

APIA Health Insurance

Astute Simplicity Health

Australian Unity

Bupa Health Insurance

Doctors’ Health

Emergency Services Health

Health Partners

Hunter Health Insurance (by CDH Benefits Fund)

ING Health Insurance

Latrobe Health Services

Mildura Health Fund

Nurses & Midwives Health

Phoenix Health Fund

Priceline Health Insurance

Qantas Insurance

Queensland Country Health Fund

Real Health Insurance

Reserve Bank Health Society (RBHS)

Seniors Health Insurance

St Lukes Health

Suncorp Health Insurance

Teachers Health

Territory Health Fund

Transport Health

Westfund

Government investigates ‘price gouging’ by insurers

The government has announced it will investigate health insurers for using a loophole to raise their prices. In December last year, Minister of Health Mark Butler warned health insurers to stop ‘phoenixing’ policies after a Commonwealth Ombudsman report brought the practice to light. By law, health insurers can only raise prices once a year, but...

Health insurance costs will rise next week due to cuts in Government Rebate

Most Australians will pay more for health insurance next week due to a reduction in a rebate designed to make health cover cheaper. Cuts to the Private Health Insurance Rebate take effect on April 1 at the same time as most policies are increasing in price by an average of 3.7% – which adds up...

Gap payments continue to rise, report finds

Out-of-pocket payments for Private Health Insurance claims continue to rise, putting more pressure on Australian households during the cost-of-living crisis. New data from Australian Prudential Regulation Authority (APRA), which regulates the health insurance industry, found a 7% increase in Gaps paid for Hospital Cover claims for the quarter finishing December 2024, compared with the same...

Cost of health insurance will rise 3.7% on 1 April

Health insurance will increase by an average of 3.7% in April – the highest premium increase since 2018. Every year health insurers are allowed to raise their premiums only once. This year, Minister of Health Mark Butler rejected insurers’ proposed increases (reportedly up to 6%) at least twice before agreeing on an average premium increase...

Health insurers criticised for using ‘loophole’ to raise prices

Australian private health insurers have been criticised for using a loophole to raise the prices of Gold Cover policies. This week the Commonwealth Ombudsman found evidence some insurers have been raising prices through ‘product phoenixing’ – closing existing policies to new customers, and creating almost identical policies at a higher price. As a result, new...

Aussies hit with higher out-of-pocket payments

Australians with Private Health Insurance are paying higher out-of-pocket payments for hospital treatment than a year ago, new data shows. The latest statistics from Australian Prudential Regulation Authority (APRA), which regulates the health insurance industry, show out-of-pocket fees for private hospital treatment increased by 8% in the 12 months from October 2023 to September 2024....

Aussies warned about ‘double dipping’ by medical specialists

If you’ve used health insurance to pay for surgery in a private hospital or clinic, check your bill to make sure you haven’t been charged a Gap incorrectly. That’s the advice from Private Healthcare Australia, the peak body for the health insurance industry, after allegations that some specialists (including surgeons and anaesthetists) have been ‘double...

NSW residents may face higher bill for health cover next year

A ‘health tax’ passed by NSW government last week means NSW residents could face higher premiums for health insurance in 2025. The new legislation means the state government can increase its existing tax on private health insurance if insurers do not agree to pay a higher ‘bed rate’ of $892 for private patients in public...

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Stephen Treacey

CEO and Founder

Sophie Bartho

Chief Operating Officer

Vladimir Kundrat

Chief Technical Officer

Trudie McConnochie

Writer and Researcher

Writer and Researcher

Peter Kawecki

UX/UI Designer

Loren Jaffe

Brand and Graphic Designer

Customer Engagement Australia

Led by Chris Payne

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Explore Overview

Guides Overview

Australian Health System (25 articles) Health Insurance Prices (20 articles) Private Health Insurance (31 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)

Hospital Cover (9 articles) Extras Cover (6 articles) Ambulance Cover (5 articles) Excluded Treatments

Insurers Overview

AAMI Health Insurance

AIA Health Insurance

Allianz Care Australia

APIA Health Insurance

Astute Simplicity Health

Australian Unity

Bupa Health Insurance

Doctors’ Health

Emergency Services Health

Health Partners

Hunter Health Insurance (by CDH Benefits Fund)

ING Health Insurance

Latrobe Health Services

Mildura Health Fund

Nurses & Midwives Health

Phoenix Health Fund

Priceline Health Insurance

Qantas Insurance

Queensland Country Health Fund

Real Health Insurance

Reserve Bank Health Society (RBHS)

Seniors Health Insurance

St Lukes Health

Suncorp Health Insurance

Teachers Health

Territory Health Fund

Transport Health

Westfund

Government investigates ‘price gouging’ by insurers Health insurance costs will rise next week due to cuts in Government Rebate Gap payments continue to rise, report finds Cost of health insurance will rise 3.7% on 1 April 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

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.

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

About Us Overview

Our Brand Promises

Our Contributors Overview

Stephen Treacey

Sophie Bartho

Vladimir Kundrat

Trudie McConnochie

Peter Kawecki

Loren Jaffe

Loren Jaffe Customer Engagement Australia

How We Make Money

How We Use Your Contact Information

Do you have a reference number?
Resume your calculation.

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About Police Health What is Police Health? Police Health is a private health insurer that operates as a restricted health fund. Background Police Health was established in 1935 in South Australia when a group of police employees set up The South Australian Police Department Employees’ Hospital Fund to help pay for hospital care for them...

insurer Restricted Insurers

About Navy Health What is Navy Health? Navy Health is a private health insurer that operates as a restricted health fund. Background Established in 1955, Navy Health was set up for family members of people serving in the Royal Australian Navy. Today, it operates as an independent private health insurer offering health insurance to the...

insurer Restricted Insurers

Doctors’ Health

About Doctors’ Health What is Doctors’ Health? Doctors’ Health Fund (Doctors’ Health) is a private health insurer that operates as a restricted health fund. Background Doctors’ Health was established by the NSW branch of the Australian Medical Association (AMA) in 1977 to serve the medical community. There used to be a convention that doctors did...

insurer Restricted Insurers

About Defence Health What is Defence Health? Defence Health is a private health insurer that operates as a restricted health fund. Who can join Defence Health? Defence Health is a restricted health fund for former members of the Australian Defence Force (ADF). You can join Defence Health if you are a: If you are a...

insurer Restricted Insurers

About CBHS Health What is CBHS Health? CBHS Health is a private health insurer that operates as a restricted health fund. Background The Commonwealth Bank of Australia established CBHS Health in 1951, then known as The Commonwealth Bank Health Society. It was set up to ensure staff had access to affordable health insurance. Who can...

insurer Restricted Insurers

About ACA Health What is ACA Health? ACA Health Benefits Fund (ACA Health) is a private health insurer that operates as a restricted health fund. Background ACA Health began in 1934 when the Australian Union Conference of the Seventh-day Adventist Church set up the Union Conference Medical Policy Fund. The aim was to give employees...

insurer Restricted Insurers