Frank Health Insurance
Frank Health Insurance
ExtrasFrank Bundables $250
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
5 of 38 hospital treatments covered
13 of 27 extras services covered
What the extras pay back
General dental$250 yearly limit shared with 12 other services, smaller limits apply50% back on a check-up
Glasses and contact lenses$250 yearly limit shared with 12 other services, smaller limits apply50% back on single vision glasses
Physiotherapy$250 yearly limit shared with 12 other services, smaller limits apply50% back on a first visit
Not covered (30) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% for GMHBA, the insurer of Frank Health Insurance · Commonwealth Ombudsman, 2024-25
$96.33†a month after the base-tier rebate (24.1%) Two policies: hospital $84.57 + extras $11.76
HBF
HBF
ExtrasSmart Start Extras
Basic Plus$750 excessEmergency ambulanceAlso with $500 excess
5 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $24 back on a check-up
Glasses and contact lenses$120 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limit shared with chiropractic and osteopathyup to $39 back on a first visit
Not covered (30) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% · Commonwealth Ombudsman, 2024-25
$102.48†a month after the base-tier rebate (24.1%) Two policies: hospital $85.23 + extras $17.25
HBF
HBF
ExtrasSmart Start Extras
Basic Plus$750 excessEmergency and non-emergency ambulanceAlso with $500 excess
5 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $24 back on a check-up
Glasses and contact lenses$120 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limit shared with chiropractic and osteopathyup to $39 back on a first visit
Not covered (30) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% · Commonwealth Ombudsman, 2024-25
$104.13†a month after the base-tier rebate (24.1%) Two policies: hospital $86.88 + extras $17.25
HCF
HCF
ExtrasHCF STARTER EXTRAS (WITH OPTICAL)
Basic Plus$750 excessEmergency ambulanceAlso with $500 excess
9 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$400 yearly limit shared with other servicesup to $29 back on a check-up
Glasses and contact lenses$100 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limitup to $42 back on a first visit
Not covered (26) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 83.7% · Commonwealth Ombudsman, 2024-25
$104.25†a month after the base-tier rebate (24.1%) Two policies: hospital $84.79 + extras $19.46
AIA Health Insurance
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
6 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$300 yearly limitup to $29 back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$200 yearly limit shared with 5 other servicesup to $40 back on a first visit
Not covered (29) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$104.78†a month after the base-tier rebate (24.1%)
Frank Health Insurance
Frank Health Insurance
ExtrasFrank Bundables $250
Bronze$750 excessEmergency ambulanceDiscount for 18 to 29
18 of 38 hospital treatments covered
13 of 27 extras services covered
What the extras pay back
General dental$250 yearly limit shared with 12 other services, smaller limits apply50% back on a check-up
Glasses and contact lenses$250 yearly limit shared with 12 other services, smaller limits apply50% back on single vision glasses
Physiotherapy$250 yearly limit shared with 12 other services, smaller limits apply50% back on a first visit
Not covered (17) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dental surgery
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% for GMHBA, the insurer of Frank Health Insurance · Commonwealth Ombudsman, 2024-25
$108.66†a month after the base-tier rebate (24.1%) Two policies: hospital $96.90 + extras $11.76
AIA Health Insurance
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
6 of 38 hospital treatments covered
11 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $29 back on a check-up
Glasses and contact lenses$100 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with 5 other servicesup to $40 back on a first visit
Not covered (29) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$109.05†a month after the base-tier rebate (24.1%)
GMHBA
GMHBA
ExtrasGMHBA SmartCare Starter Boost Extras with sub-limits
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
5 of 38 hospital treatments covered
5 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with 3 other services, smaller limits apply100% back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$500 yearly limit shared with 3 other services, smaller limits apply60% back on a first visit
Not covered (30) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25
$110.52†a month after the base-tier rebate (24.1%) Two policies: hospital $88.40 + extras $22.12
Westfund
Westfund
ExtrasStarter Extras
Basic Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $500 excess
4 of 38 hospital treatments covered
15 of 27 extras services covered
What the extras pay back
General dental$400 yearly limit shared with root canalup to $28 back on a check-up
Glasses and contact lenses$400 yearly limit shared with other services, smaller limits applyup to $180 back on single vision glasses
Physiotherapy$400 yearly limit shared with other servicesup to $25 back on a first visit
Not covered (31) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 86.3% · Commonwealth Ombudsman, 2024-25
$110.66†a month after the base-tier rebate (24.1%) Two policies: hospital $85.63 + extras $25.03
Australian Unity
Basic Plus$750 excessEmergency ambulanceAlso with $500 excess
4 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$1,100 yearly limit, shared with other services, smaller limits apply60% back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$1,100 yearly limit, shared with other services, smaller limits apply60% back on a first visit
Not covered (31) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 81.4% · Commonwealth Ombudsman, 2024-25
$111.32†a month after the base-tier rebate (24.1%)
Bupa
Bupa
ExtrasEssential 50 Visitors Cover Extras
Basic Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
7 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$300 yearly limit50% back on a check-up
Glasses and contact lenses$150 yearly limit50% back on single vision glasses
Physiotherapy$200 yearly limit shared with 6 other services50% back on a first visit
Not covered (28) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 86.1% · Commonwealth Ombudsman, 2024-25
$111.43†a month after the base-tier rebate (24.1%) Two policies: hospital $88.44 + extras $22.99
HBF
HBF
ExtrasSmart Start Extras
Basic Plus$750 excessEmergency ambulanceAlso with $500 excess
15 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $24 back on a check-up
Glasses and contact lenses$120 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limit shared with chiropractic and osteopathyup to $39 back on a first visit
Not covered (20) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% · Commonwealth Ombudsman, 2024-25
$111.62†a month after the base-tier rebate (24.1%) Two policies: hospital $94.37 + extras $17.25
see-u by HBF
see-u by HBF
ExtrasStarter Extras
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
19 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $25 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with 3 other servicesup to $35 back on a first visit
Not covered (16) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% for HBF, the insurer of see-u by HBF · Commonwealth Ombudsman, 2024-25
$112.48†a month after the base-tier rebate (24.1%) Two policies: hospital $92.85 + extras $19.63
Latrobe Health Services
Latrobe Health Services
ExtrasBasic Extras
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
10 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$500 yearly limitup to $30.50 back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$250 yearly limit shared with other servicesup to $30 back on a first visit
Not covered (25) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Gastrointestinal endoscopy
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 74.6% · Commonwealth Ombudsman, 2024-25
$112.96†a month after the base-tier rebate (24.1%) Two policies: hospital $94.31 + extras $18.65
Frank Health Insurance
Frank Health Insurance
ExtrasFrank Bundables $250
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
22 of 38 hospital treatments covered
13 of 27 extras services covered
What the extras pay back
General dental$250 yearly limit shared with 12 other services, smaller limits apply50% back on a check-up
Glasses and contact lenses$250 yearly limit shared with 12 other services, smaller limits apply50% back on single vision glasses
Physiotherapy$250 yearly limit shared with 12 other services, smaller limits apply50% back on a first visit
Not covered (13) · Restricted (3)
Not covered
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% for GMHBA, the insurer of Frank Health Insurance · Commonwealth Ombudsman, 2024-25
$113.14†a month after the base-tier rebate (24.1%) Two policies: hospital $101.38 + extras $11.76
HIF
Basic Plus$750 excessEmergency and non-emergency ambulanceAlso with $500 excess
3 of 38 hospital treatments covered
5 of 27 extras services covered
What the extras pay back
General dental$400 yearly limit50% back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with other services50% back on a first visit
Not covered (32) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 76.2% · Commonwealth Ombudsman, 2024-25
$113.14†a month after the base-tier rebate (24.1%) Two policies: hospital $86.20 + extras $26.94
Health Partners
Health Partners
ExtrasBase Extras
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$350 yearly limit35% back on a check-up
Glasses and contact lenses$100 yearly limit40% back on single vision glasses
Physiotherapy$150 yearly limit shared with 3 other services, smaller limits applyup to $30 back on a first visit
Not covered (27) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$113.21†a month after the base-tier rebate (24.1%) Two policies: hospital $90.95 + extras $22.26
Health Partners
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$350 yearly limit35% back on a check-up
Glasses and contact lenses$100 yearly limit40% back on single vision glasses
Physiotherapy$150 yearly limit shared with 3 other services, smaller limits applyup to $30 back on a first visit
Not covered (27) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$113.22†a month after the base-tier rebate (24.1%)
HCF
Basic Plus$750 excessEmergency ambulance
10 of 38 hospital treatments covered
12 of 27 extras services covered
What the extras pay back
General dental$600 yearly limit shared with other servicesup to $29 back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$600 yearly limit shared with other servicesup to $38 back on a first visit
Not covered (25) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 83.7% · Commonwealth Ombudsman, 2024-25
$113.25†a month after the base-tier rebate (24.1%)
HBF
HBF
ExtrasSmart Start Extras
Bronze Plus$750 excessEmergency ambulanceAlso with $500 excess
22 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $24 back on a check-up
Glasses and contact lenses$120 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limit shared with chiropractic and osteopathyup to $39 back on a first visit
Not covered (13) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% · Commonwealth Ombudsman, 2024-25
$113.26†a month after the base-tier rebate (24.1%) Two policies: hospital $96.01 + extras $17.25
HBF
HBF
ExtrasSmart Start Extras
Basic Plus$750 excessEmergency and non-emergency ambulanceAlso with $500 excess
15 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $24 back on a check-up
Glasses and contact lenses$120 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limit shared with chiropractic and osteopathyup to $39 back on a first visit
Not covered (20) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% · Commonwealth Ombudsman, 2024-25
$113.26†a month after the base-tier rebate (24.1%) Two policies: hospital $96.01 + extras $17.25
RT Health
RT Health
ExtrasValue Extras
Basic Plus$750 excessEmergency ambulanceAlso with $500 excess
9 of 38 hospital treatments covered
13 of 27 extras services covered
What the extras pay back
General dental$500 yearly limitup to $30 back on a check-up
Glasses and contact lenses$200 yearly limit100% back on single vision glasses
Physiotherapy$350 yearly limitup to $40 back on a first visit
Not covered (26) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 83.7% for HCF, the insurer of RT Health · Commonwealth Ombudsman, 2024-25
$114.08†a month after the base-tier rebate (24.1%) Two policies: hospital $84.79 + extras $29.29
RT Health
Basic Plus$750 excessEmergency ambulanceAlso with $500 excess
9 of 38 hospital treatments covered
13 of 27 extras services covered
What the extras pay back
General dental$500 yearly limitup to $30 back on a check-up
Glasses and contact lenses$200 yearly limit100% back on single vision glasses
Physiotherapy$350 yearly limitup to $40 back on a first visit
Not covered (26) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 83.7% for HCF, the insurer of RT Health · Commonwealth Ombudsman, 2024-25
$114.08†a month after the base-tier rebate (24.1%)
nib
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
6 of 38 hospital treatments covered
4 of 27 extras services covered
What the extras pay back
General dental$450 yearly limitup to $35.20 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limit shared with psychology50% back on a first visit
Not covered (29) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.0% · Commonwealth Ombudsman, 2024-25
$114.37†a month after the base-tier rebate (24.1%) Two policies: hospital $88.10 + extras $26.27
HBF
HBF
ExtrasSmart Start Extras
Bronze Plus$750 excessEmergency and non-emergency ambulanceAlso with $500 excess
22 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $24 back on a check-up
Glasses and contact lenses$120 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limit shared with chiropractic and osteopathyup to $39 back on a first visit
Not covered (13) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% · Commonwealth Ombudsman, 2024-25
$114.91†a month after the base-tier rebate (24.1%) Two policies: hospital $97.66 + extras $17.25
Latrobe Health Services
Latrobe Health Services
ExtrasBasic Extras
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
12 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$500 yearly limitup to $30.50 back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$250 yearly limit shared with other servicesup to $30 back on a first visit
Not covered (23) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 74.6% · Commonwealth Ombudsman, 2024-25
$115.03†a month after the base-tier rebate (24.1%) Two policies: hospital $96.38 + extras $18.65
Medibank
Medibank
ExtrasEssential Extras 60
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess
7 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $22.50 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with chiropractic and osteopathyup to $35.20 back on a first visit
Not covered (28) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 85.4% · Commonwealth Ombudsman, 2024-25
$115.79†a month after the base-tier rebate (24.1%) Two policies: hospital $88.40 + extras $27.39
see-u by HBF
see-u by HBF
ExtrasStarter Extras
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
19 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $25 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with 3 other servicesup to $35 back on a first visit
Not covered (16) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% for HBF, the insurer of see-u by HBF · Commonwealth Ombudsman, 2024-25
$115.87†a month after the base-tier rebate (24.1%) Two policies: hospital $96.24 + extras $19.63
Latrobe Health Services
Latrobe Health Services
ExtrasBasic Extras
Bronze$750 excessEmergency ambulanceDiscount for 18 to 29
18 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$500 yearly limitup to $30.50 back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$250 yearly limit shared with other servicesup to $30 back on a first visit
Not covered (17) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dental surgery
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 74.6% · Commonwealth Ombudsman, 2024-25
$116.70†a month after the base-tier rebate (24.1%) Two policies: hospital $98.05 + extras $18.65
Bupa
Bupa
ExtrasEssential 50 Visitors Cover Extras
Basic Plus$500 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
7 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$300 yearly limit50% back on a check-up
Glasses and contact lenses$150 yearly limit50% back on single vision glasses
Physiotherapy$200 yearly limit shared with 6 other services50% back on a first visit
Not covered (28) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 86.1% · Commonwealth Ombudsman, 2024-25
$116.74†a month after the base-tier rebate (24.1%) Two policies: hospital $93.75 + extras $22.99
Peoplecare
Basic Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $500 excess
6 of 38 hospital treatments covered
11 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit50% back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$300 yearly limit shared with other servicesup to $40 back on a first visit
Not covered (29) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25
$117.36†a month after the base-tier rebate (24.1%)
nib
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess
7 of 38 hospital treatments covered
4 of 27 extras services covered
What the extras pay back
General dental$450 yearly limitup to $35.20 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limit shared with psychology50% back on a first visit
Not covered (28) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.0% · Commonwealth Ombudsman, 2024-25
$118.44†a month after the base-tier rebate (24.1%) Two policies: hospital $92.17 + extras $26.27
AIA Health Insurance
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
6 of 38 hospital treatments covered
11 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit50% back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$250 yearly limit shared with other services50% back on a first visit
Not covered (29) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$118.50†a month after the base-tier rebate (24.1%)
Health Partners
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
6 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with major dental and root canal60% back on a check-up
Glasses and contact lenses$200 yearly limit60% back on single vision glasses
Physiotherapynot covered
Not covered (27) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$119.17†a month after the base-tier rebate (24.1%)
Latrobe Health Services
Latrobe Health Services
ExtrasBasic Extras
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
21 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$500 yearly limitup to $30.50 back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$250 yearly limit shared with other servicesup to $30 back on a first visit
Not covered (14) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 74.6% · Commonwealth Ombudsman, 2024-25
$119.66†a month after the base-tier rebate (24.1%) Two policies: hospital $101.01 + extras $18.65
Suncorp Health Insurance
Suncorp Health Insurance
ExtrasSuncorp Health Insurance Starter Extras
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
7 of 38 hospital treatments covered
6 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $35.20 back on a check-up
Glasses and contact lenses$150 yearly limit60% back on single vision glasses
Physiotherapy$250 yearly limit shared with other services60% back on a first visit
Not covered (28) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.0% for NIB, the insurer of Suncorp Health Insurance · Commonwealth Ombudsman, 2024-25
$119.84†a month after the base-tier rebate (24.1%) Two policies: hospital $92.17 + extras $27.67
Peoplecare
Peoplecare
ExtrasSimple Extras
Basic Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $500 excess
6 of 38 hospital treatments covered
11 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit50% back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$300 yearly limit shared with other servicesup to $40 back on a first visit
Not covered (29) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25
$120.36†a month after the base-tier rebate (24.1%) Two policies: hospital $90.35 + extras $30.01
AIA Health Insurance
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
6 of 38 hospital treatments covered
13 of 27 extras services covered
What the extras pay back
General dental$700 yearly limit shared with major dental and root canalup to $30 back on a check-up
Glasses and contact lenses$200 yearly limit100% back on single vision glasses
Physiotherapy$350 yearly limit shared with exercise physiologyup to $40 back on a first visit
Not covered (29) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$120.63†a month after the base-tier rebate (24.1%)
AAMI Health Insurance
AAMI Health Insurance
ExtrasAAMI Starter Extras
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
7 of 38 hospital treatments covered
6 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $35.20 back on a check-up
Glasses and contact lenses$150 yearly limit60% back on single vision glasses
Physiotherapy$250 yearly limit shared with chiropractic and osteopathy60% back on a first visit
Not covered (28) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.0% for NIB, the insurer of AAMI Health Insurance · Commonwealth Ombudsman, 2024-25
$120.87†a month after the base-tier rebate (24.1%) Two policies: hospital $92.07 + extras $28.80
Bupa
Bupa
ExtrasEssential 50 Visitors Cover Extras
Bronze$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
18 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$300 yearly limit50% back on a check-up
Glasses and contact lenses$150 yearly limit50% back on single vision glasses
Physiotherapy$200 yearly limit shared with 6 other services50% back on a first visit
Not covered (17) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dental surgery
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 86.1% · Commonwealth Ombudsman, 2024-25
$120.92†a month after the base-tier rebate (24.1%) Two policies: hospital $97.93 + extras $22.99
Bupa
Basic PlusNo excessEmergency ambulanceDiscount for 18 to 29
7 of 38 hospital treatments covered
15 of 27 extras services covered
What the extras pay back
General dental$1,000 yearly limit, shared with 14 other services, smaller limits applyup to $20.90 back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$1,000 yearly limit, shared with 14 other services, smaller limits applyup to $28.85 back on a first visit
Not covered (28) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 86.1% · Commonwealth Ombudsman, 2024-25
$120.99†a month after the base-tier rebate (24.1%)
Health Partners
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
15 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with major dental and root canal60% back on a check-up
Glasses and contact lensesnot covered
Physiotherapynot covered
Not covered (27) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$121.17†a month after the base-tier rebate (24.1%)
HCF
HCF
ExtrasHCF STARTER EXTRAS (WITH OPTICAL)
Bronze$750 excessEmergency ambulance
18 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$400 yearly limit shared with other servicesup to $29 back on a check-up
Glasses and contact lenses$100 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limitup to $42 back on a first visit
Not covered (17) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dental surgery
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 83.7% · Commonwealth Ombudsman, 2024-25
$121.19†a month after the base-tier rebate (24.1%) Two policies: hospital $101.73 + extras $19.46
Latrobe Health Services
Latrobe Health Services
ExtrasBasic Extras
Bronze$500 excessEmergency ambulanceDiscount for 18 to 29
18 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$500 yearly limitup to $30.50 back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$250 yearly limit shared with other servicesup to $30 back on a first visit
Not covered (17) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dental surgery
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 74.6% · Commonwealth Ombudsman, 2024-25
$121.70†a month after the base-tier rebate (24.1%) Two policies: hospital $103.05 + extras $18.65
Health Partners
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with major dental and root canal60% back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$400 yearly limit shared with 3 other services60% back on a first visit
Not covered (27) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$121.80†a month after the base-tier rebate (24.1%)
see-u by HBF
see-u by HBF
ExtrasStarter Extras
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
22 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $25 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with 3 other servicesup to $35 back on a first visit
Not covered (13) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% for HBF, the insurer of see-u by HBF · Commonwealth Ombudsman, 2024-25
$122.29†a month after the base-tier rebate (24.1%) Two policies: hospital $102.66 + extras $19.63
ahm
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
6 of 38 hospital treatments covered
13 of 27 extras services covered
What the extras pay back
General dental$650 yearly limit shared with other services, smaller limits applyup to $28.55 back on a check-up
Glasses and contact lenses$180 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limitup to $34 back on a first visit
Not covered (29) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 85.4% for Medibank, the insurer of ahm · Commonwealth Ombudsman, 2024-25
$122.62†a month after the base-tier rebate (24.1%) Two policies: hospital $87.68 + extras $34.94
HCF
HCF
ExtrasHCF STARTER EXTRAS (WITH OPTICAL)
Bronze Plus$750 excessEmergency ambulance
25 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$400 yearly limit shared with other servicesup to $29 back on a check-up
Glasses and contact lenses$100 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limitup to $42 back on a first visit
Not covered (11) · Restricted (2)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Rehabilitation
Member retention (hospital cover): 83.7% · Commonwealth Ombudsman, 2024-25
$124.09†a month after the base-tier rebate (24.1%) Two policies: hospital $104.63 + extras $19.46
Health Partners
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
6 of 27 extras services covered
What the extras pay back
General dental$1,000 yearly limit, shared with 3 other services60% back on a check-up
Glasses and contact lensesnot covered
Physiotherapynot covered
Not covered (27) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$124.49†a month after the base-tier rebate (24.1%)
Qantas Insurance
Qantas Insurance
ExtrasQantas Starter Extras
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
7 of 38 hospital treatments covered
4 of 27 extras services covered
What the extras pay back
General dental$250 yearly limit (no limit on preventative dental)up to $35.20 back on a check-up
Glasses and contact lenses$150 yearly limit60% back on single vision glasses
Physiotherapy$200 yearly limit60% back on a first visit
Not covered (28) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.0% for NIB, the insurer of Qantas Insurance · Commonwealth Ombudsman, 2024-25
$124.85†a month after the base-tier rebate (24.1%) Two policies: hospital $92.45 + extras $32.40
Latrobe Health Services
Latrobe Health Services
ExtrasBasic Extras
Bronze Plus$500 excessEmergency ambulanceDiscount for 18 to 29
21 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$500 yearly limitup to $30.50 back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$250 yearly limit shared with other servicesup to $30 back on a first visit
Not covered (14) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 74.6% · Commonwealth Ombudsman, 2024-25
$125.03†a month after the base-tier rebate (24.1%) Two policies: hospital $106.38 + extras $18.65
HCi
Bronze Plus$750 excessNo ambulance cover
22 of 38 hospital treatments covered
7 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $33 back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$175 yearly limit shared with exercise physiologyup to $30 back on a first visit
Not covered (14) · Restricted (2)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Rehabilitation
Member retention (hospital cover): 81.3% · Commonwealth Ombudsman, 2024-25
$125.23†a month after the base-tier rebate (24.1%)
Westfund
Westfund
ExtrasStarter Extras
Bronze$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $500 excess
18 of 38 hospital treatments covered
15 of 27 extras services covered
What the extras pay back
General dental$400 yearly limit shared with root canalup to $28 back on a check-up
Glasses and contact lenses$400 yearly limit shared with other services, smaller limits applyup to $180 back on single vision glasses
Physiotherapy$400 yearly limit shared with other servicesup to $25 back on a first visit
Not covered (17) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dental surgery
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 86.3% · Commonwealth Ombudsman, 2024-25
$125.82†a month after the base-tier rebate (24.1%) Two policies: hospital $100.79 + extras $25.03
AIA Health Insurance
AIA Health Insurance
ExtrasBase Set Extras Only
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
6 of 38 hospital treatments covered
11 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $29 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$250 yearly limit shared with other servicesup to $40 back on a first visit
Not covered (29) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$125.82†a month after the base-tier rebate (24.1%) Two policies: hospital $91.73 + extras $34.09
HCF
Basic Plus$500 excessEmergency ambulance
10 of 38 hospital treatments covered
13 of 27 extras services covered
What the extras pay back
General dental$750 yearly limit shared with other servicesup to $29 back on a check-up
Glasses and contact lenses$180 yearly limit100% back on single vision glasses
Physiotherapy$750 yearly limit shared with other servicesup to $38 back on a first visit
Not covered (25) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 83.7% · Commonwealth Ombudsman, 2024-25
$125.84†a month after the base-tier rebate (24.1%)
HBF
HBF
ExtrasSmart Start Extras
Bronze Plus$750 excessEmergency ambulanceAlso with $250 excess or $500 excess
26 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $24 back on a check-up
Glasses and contact lenses$120 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limit shared with chiropractic and osteopathyup to $39 back on a first visit
Not covered (10) · Restricted (2)
Not covered
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Rehabilitation
Member retention (hospital cover): 88.4% · Commonwealth Ombudsman, 2024-25
$125.96†a month after the base-tier rebate (24.1%) Two policies: hospital $108.71 + extras $17.25
Phoenix Health Fund
Bronze$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $500 excess
18 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit100% back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$400 yearly limit shared with 5 other services, smaller limits apply50% back on a first visit
Not covered (17) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dental surgery
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 82.5% · Commonwealth Ombudsman, 2024-25
$126.02†a month after the base-tier rebate (24.1%)
Medibank
Medibank
ExtrasEssential Extras 60
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess
24 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $22.50 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with chiropractic and osteopathyup to $35.20 back on a first visit
Not covered (12) · Restricted (2)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Rehabilitation
Member retention (hospital cover): 85.4% · Commonwealth Ombudsman, 2024-25
$126.30†a month after the base-tier rebate (24.1%) Two policies: hospital $98.91 + extras $27.39
Health Partners
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
16 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with major dental and root canal60% back on a check-up
Glasses and contact lenses$200 yearly limit60% back on single vision glasses
Physiotherapynot covered
Not covered (27) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$126.50†a month after the base-tier rebate (24.1%)
Health Partners
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with major dental and root canal60% back on a check-up
Glasses and contact lenses$200 yearly limit60% back on single vision glasses
Physiotherapy$400 yearly limit shared with 3 other services60% back on a first visit
Not covered (27) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$127.06†a month after the base-tier rebate (24.1%)
HBF
HBF
ExtrasSmart Start Extras
Bronze Plus$750 excessEmergency and non-emergency ambulanceAlso with $250 excess or $500 excess
26 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $24 back on a check-up
Glasses and contact lenses$120 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limit shared with chiropractic and osteopathyup to $39 back on a first visit
Not covered (10) · Restricted (2)
Not covered
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Rehabilitation
Member retention (hospital cover): 88.4% · Commonwealth Ombudsman, 2024-25
$127.61†a month after the base-tier rebate (24.1%) Two policies: hospital $110.36 + extras $17.25
Phoenix Health Fund
Bronze Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $500 excess
21 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit100% back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$400 yearly limit shared with 5 other services, smaller limits apply50% back on a first visit
Not covered (14) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 82.5% · Commonwealth Ombudsman, 2024-25
$127.86†a month after the base-tier rebate (24.1%)
AIA Health Insurance
Bronze$750 excessEmergency ambulanceDiscount for 18 to 29
18 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$300 yearly limitup to $29 back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$200 yearly limit shared with 5 other servicesup to $40 back on a first visit
Not covered (17) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dental surgery
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$128.31†a month after the base-tier rebate (24.1%)
Bupa
Bupa
ExtrasEssential 50 Visitors Cover Extras
Bronze$500 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
18 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$300 yearly limit50% back on a check-up
Glasses and contact lenses$150 yearly limit50% back on single vision glasses
Physiotherapy$200 yearly limit shared with 6 other services50% back on a first visit
Not covered (17) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dental surgery
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 86.1% · Commonwealth Ombudsman, 2024-25
$128.50†a month after the base-tier rebate (24.1%) Two policies: hospital $105.51 + extras $22.99
Health Partners
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
19 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with major dental and root canal60% back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$400 yearly limit shared with 3 other services60% back on a first visit
Not covered (27) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$128.86†a month after the base-tier rebate (24.1%)
Bupa
Bupa
ExtrasEssential 50 Visitors Cover Extras
Bronze Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
23 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$300 yearly limit50% back on a check-up
Glasses and contact lenses$150 yearly limit50% back on single vision glasses
Physiotherapy$200 yearly limit shared with 6 other services50% back on a first visit
Not covered (12) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 86.1% · Commonwealth Ombudsman, 2024-25
$128.88†a month after the base-tier rebate (24.1%) Two policies: hospital $105.89 + extras $22.99
ahm
Bronze$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
18 of 38 hospital treatments covered
13 of 27 extras services covered
What the extras pay back
General dental$650 yearly limit shared with other services, smaller limits applyup to $28.55 back on a check-up
Glasses and contact lenses$180 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limitup to $34 back on a first visit
Not covered (17) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dental surgery
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 85.4% for Medibank, the insurer of ahm · Commonwealth Ombudsman, 2024-25
$128.88†a month after the base-tier rebate (24.1%) Two policies: hospital $93.94 + extras $34.94
Westfund
Westfund
ExtrasStarter Extras
Bronze Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $500 excess
21 of 38 hospital treatments covered
15 of 27 extras services covered
What the extras pay back
General dental$400 yearly limit shared with root canalup to $28 back on a check-up
Glasses and contact lenses$400 yearly limit shared with other services, smaller limits applyup to $180 back on single vision glasses
Physiotherapy$400 yearly limit shared with other servicesup to $25 back on a first visit
Not covered (14) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 86.3% · Commonwealth Ombudsman, 2024-25
$129.10†a month after the base-tier rebate (24.1%) Two policies: hospital $104.07 + extras $25.03
Bupa
Bupa
ExtrasEssential 50 Visitors Cover Extras
Bronze Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
24 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$300 yearly limit50% back on a check-up
Glasses and contact lenses$150 yearly limit50% back on single vision glasses
Physiotherapy$200 yearly limit shared with 6 other services50% back on a first visit
Not covered (12) · Restricted (2)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Rehabilitation
Member retention (hospital cover): 86.1% · Commonwealth Ombudsman, 2024-25
$129.45†a month after the base-tier rebate (24.1%) Two policies: hospital $106.46 + extras $22.99
Health Partners
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
7 of 27 extras services covered
What the extras pay back
General dental$1,000 yearly limit, shared with 3 other services60% back on a check-up
Glasses and contact lenses$200 yearly limit60% back on single vision glasses
Physiotherapynot covered
Not covered (27) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$129.45†a month after the base-tier rebate (24.1%)
nib
Bronze$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
18 of 38 hospital treatments covered
4 of 27 extras services covered
What the extras pay back
General dental$450 yearly limitup to $35.20 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limit shared with psychology50% back on a first visit
Not covered (17) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dental surgery
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.0% · Commonwealth Ombudsman, 2024-25
$129.78†a month after the base-tier rebate (24.1%) Two policies: hospital $103.51 + extras $26.27
AIA Health Insurance
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
22 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$300 yearly limitup to $29 back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$200 yearly limit shared with 5 other servicesup to $40 back on a first visit
Not covered (13) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$130.02†a month after the base-tier rebate (24.1%)
nib
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
22 of 38 hospital treatments covered
4 of 27 extras services covered
What the extras pay back
General dental$450 yearly limitup to $35.20 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limit shared with psychology50% back on a first visit
Not covered (13) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.0% · Commonwealth Ombudsman, 2024-25
$130.05†a month after the base-tier rebate (24.1%) Two policies: hospital $103.78 + extras $26.27
ING Health Insurance
ING Health Insurance
ExtrasING Essential Extras
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$500 yearly limitup to $35.20 back on a check-up
Glasses and contact lenses$200 yearly limit60% back on single vision glasses
Physiotherapy$300 yearly limit shared with chiropractic and osteopathy60% back on a first visit
Not covered (27) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.0% for NIB, the insurer of ING Health Insurance · Commonwealth Ombudsman, 2024-25
$130.98†a month after the base-tier rebate (24.1%) Two policies: hospital $91.32 + extras $39.66
HCF
HCF
ExtrasHCF STARTER EXTRAS (WITH OPTICAL)
Bronze$500 excessEmergency ambulance
18 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$400 yearly limit shared with other servicesup to $29 back on a check-up
Glasses and contact lenses$100 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limitup to $42 back on a first visit
Not covered (17) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dental surgery
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 83.7% · Commonwealth Ombudsman, 2024-25
$131.01†a month after the base-tier rebate (24.1%) Two policies: hospital $111.55 + extras $19.46
Health Partners
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
16 of 27 extras services covered
What the extras pay back
General dental$1,000 yearly limit, shared with 3 other services60% back on a check-up
Glasses and contact lensesnot covered
Physiotherapynot covered
Not covered (27) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$131.27†a month after the base-tier rebate (24.1%)
Queensland Country Health Fund
Queensland Country Health Fund
ExtrasYoung Extras
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
10 of 38 hospital treatments covered
14 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with major dentalup to $42 back on a check-up
Glasses and contact lenses$225 yearly limitup to $225 back on single vision glasses
Physiotherapy$400 yearly limitup to $42 back on a first visit
Not covered (25) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$131.49†a month after the base-tier rebate (24.1%) Two policies: hospital $101.07 + extras $30.42
Queensland Country Health Fund
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
10 of 38 hospital treatments covered
14 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with major dentalup to $42 back on a check-up
Glasses and contact lenses$225 yearly limitup to $225 back on single vision glasses
Physiotherapy$400 yearly limitup to $42 back on a first visit
Not covered (25) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$131.49†a month after the base-tier rebate (24.1%)
Health Partners
Health Partners
ExtrasBase Extras
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
22 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$350 yearly limit35% back on a check-up
Glasses and contact lenses$100 yearly limit40% back on single vision glasses
Physiotherapy$150 yearly limit shared with 3 other services, smaller limits applyup to $30 back on a first visit
Not covered (13) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$131.66†a month after the base-tier rebate (24.1%) Two policies: hospital $109.40 + extras $22.26
Health Partners
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
22 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$350 yearly limit35% back on a check-up
Glasses and contact lenses$100 yearly limit40% back on single vision glasses
Physiotherapy$150 yearly limit shared with 3 other services, smaller limits applyup to $30 back on a first visit
Not covered (13) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$131.66†a month after the base-tier rebate (24.1%)
Frank Health Insurance
Frank Health Insurance
ExtrasFrank Bundables $250
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
24 of 38 hospital treatments covered
13 of 27 extras services covered
What the extras pay back
General dental$250 yearly limit shared with 12 other services, smaller limits apply50% back on a check-up
Glasses and contact lenses$250 yearly limit shared with 12 other services, smaller limits apply50% back on single vision glasses
Physiotherapy$250 yearly limit shared with 12 other services, smaller limits apply50% back on a first visit
Not covered (11) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% for GMHBA, the insurer of Frank Health Insurance · Commonwealth Ombudsman, 2024-25
$131.69†a month after the base-tier rebate (24.1%) Two policies: hospital $119.93 + extras $11.76
GMHBA
GMHBA
ExtrasGMHBA SmartCare Starter Boost Extras with sub-limits
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
23 of 38 hospital treatments covered
5 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with 3 other services, smaller limits apply100% back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$500 yearly limit shared with 3 other services, smaller limits apply60% back on a first visit
Not covered (12) · Restricted (3)
Not covered
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25
$131.81†a month after the base-tier rebate (24.1%) Two policies: hospital $109.69 + extras $22.12
Health Partners
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$1,000 yearly limit, shared with 3 other services60% back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$400 yearly limit shared with 3 other services60% back on a first visit
Not covered (27) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$131.82†a month after the base-tier rebate (24.1%)
Peoplecare
Basic Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
6 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$800 yearly limit shared with 8 other services60% back on a check-up
Glasses and contact lenses$200 yearly limitup to $200 back on single vision glasses
Physiotherapy$800 yearly limit shared with 8 other services60% back on a first visit
Not covered (29) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25
$131.94†a month after the base-tier rebate (24.1%)
Health Partners
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
18 of 27 extras services covered
What the extras pay back
General dental$1,000 yearly limit, shared with major dental and root canal55% back on a check-up
Glasses and contact lenses$200 yearly limit100% back on single vision glasses
Physiotherapy$450 yearly limit shared with 3 other services, smaller limits applyup to $35 back on a first visit
Not covered (27) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$132.22†a month after the base-tier rebate (24.1%)
AIA Health Insurance
Bronze$500 excessEmergency ambulanceDiscount for 18 to 29
18 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$300 yearly limitup to $29 back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$200 yearly limit shared with 5 other servicesup to $40 back on a first visit
Not covered (17) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dental surgery
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$132.37†a month after the base-tier rebate (24.1%)
AIA Health Insurance
Bronze$750 excessEmergency ambulanceDiscount for 18 to 29
18 of 38 hospital treatments covered
11 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $29 back on a check-up
Glasses and contact lenses$100 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with 5 other servicesup to $40 back on a first visit
Not covered (17) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dental surgery
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$132.58†a month after the base-tier rebate (24.1%)
Peoplecare
Bronze Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
24 of 38 hospital treatments covered
11 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit50% back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$300 yearly limit shared with other servicesup to $40 back on a first visit
Not covered (12) · Restricted (2)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Rehabilitation
Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25
$133.78†a month after the base-tier rebate (24.1%)
nib
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
22 of 38 hospital treatments covered
4 of 27 extras services covered
What the extras pay back
General dental$450 yearly limitup to $35.20 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limit shared with psychology50% back on a first visit
Not covered (13) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.0% · Commonwealth Ombudsman, 2024-25
$133.92†a month after the base-tier rebate (24.1%) Two policies: hospital $107.65 + extras $26.27
AIA Health Insurance
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
22 of 38 hospital treatments covered
11 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $29 back on a check-up
Glasses and contact lenses$100 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with 5 other servicesup to $40 back on a first visit
Not covered (13) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$134.29†a month after the base-tier rebate (24.1%)
ahm
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
23 of 38 hospital treatments covered
13 of 27 extras services covered
What the extras pay back
General dental$650 yearly limit shared with other services, smaller limits applyup to $28.55 back on a check-up
Glasses and contact lenses$180 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limitup to $34 back on a first visit
Not covered (12) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 85.4% for Medibank, the insurer of ahm · Commonwealth Ombudsman, 2024-25
$134.38†a month after the base-tier rebate (24.1%) Two policies: hospital $99.44 + extras $34.94
Australian Unity
Australian Unity
ExtrasFocus Extras (FCE)
Basic Plus$750 excessEmergency ambulanceAlso with $500 excess
4 of 38 hospital treatments covered
13 of 27 extras services covered
What the extras pay back
General dental$700 yearly limit shared with major dental and root canal60% back on a check-up
Glasses and contact lenses$200 yearly limit100% back on single vision glasses
Physiotherapy$400 yearly limit shared with exercise physiology60% back on a first visit
Not covered (31) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 81.4% · Commonwealth Ombudsman, 2024-25
$134.54†a month after the base-tier rebate (24.1%) Two policies: hospital $86.32 + extras $48.22
Peoplecare
Basic Plus$500 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
6 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$800 yearly limit shared with 8 other services60% back on a check-up
Glasses and contact lenses$200 yearly limitup to $200 back on single vision glasses
Physiotherapy$800 yearly limit shared with 8 other services60% back on a first visit
Not covered (29) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25
$134.68†a month after the base-tier rebate (24.1%)
Queensland Country Health Fund
Queensland Country Health Fund
ExtrasYoung Extras
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
10 of 38 hospital treatments covered
14 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with major dentalup to $42 back on a check-up
Glasses and contact lenses$225 yearly limitup to $225 back on single vision glasses
Physiotherapy$400 yearly limitup to $42 back on a first visit
Not covered (25) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$135.00†a month after the base-tier rebate (24.1%) Two policies: hospital $104.58 + extras $30.42
Queensland Country Health Fund
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
10 of 38 hospital treatments covered
14 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with major dentalup to $42 back on a check-up
Glasses and contact lenses$225 yearly limitup to $225 back on single vision glasses
Physiotherapy$400 yearly limitup to $42 back on a first visit
Not covered (25) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$135.00†a month after the base-tier rebate (24.1%)
Suncorp Health Insurance
Suncorp Health Insurance
ExtrasSuncorp Health Insurance Starter Extras
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
22 of 38 hospital treatments covered
6 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $35.20 back on a check-up
Glasses and contact lenses$150 yearly limit60% back on single vision glasses
Physiotherapy$250 yearly limit shared with other services60% back on a first visit
Not covered (13) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.0% for NIB, the insurer of Suncorp Health Insurance · Commonwealth Ombudsman, 2024-25
$135.23†a month after the base-tier rebate (24.1%) Two policies: hospital $107.56 + extras $27.67
Real Health Insurance
Real Health Insurance
ExtrasReal Starter Extras
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
7 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$800 yearly limit shared with major dental and root canalup to $35.20 back on a check-up
Glasses and contact lenses$200 yearly limit60% back on single vision glasses
Physiotherapy$300 yearly limit shared with chiropractic and osteopathy60% back on a first visit
Not covered (28) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.0% for NIB, the insurer of Real Health Insurance · Commonwealth Ombudsman, 2024-25
$135.57†a month after the base-tier rebate (24.1%) Two policies: hospital $91.90 + extras $43.67
HCF
HCF
ExtrasHCF STARTER EXTRAS (WITH OPTICAL)
Bronze Plus$500 excessEmergency ambulance
25 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$400 yearly limit shared with other servicesup to $29 back on a check-up
Glasses and contact lenses$100 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limitup to $42 back on a first visit
Not covered (11) · Restricted (2)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Rehabilitation
Member retention (hospital cover): 83.7% · Commonwealth Ombudsman, 2024-25
$135.70†a month after the base-tier rebate (24.1%) Two policies: hospital $116.24 + extras $19.46
AIA Health Insurance
Bronze Plus$500 excessEmergency ambulanceDiscount for 18 to 29
22 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$300 yearly limitup to $29 back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$200 yearly limit shared with 5 other servicesup to $40 back on a first visit
Not covered (13) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$136.16†a month after the base-tier rebate (24.1%)
AAMI Health Insurance
AAMI Health Insurance
ExtrasAAMI Starter Extras
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
22 of 38 hospital treatments covered
6 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $35.20 back on a check-up
Glasses and contact lenses$150 yearly limit60% back on single vision glasses
Physiotherapy$250 yearly limit shared with chiropractic and osteopathy60% back on a first visit
Not covered (13) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.0% for NIB, the insurer of AAMI Health Insurance · Commonwealth Ombudsman, 2024-25
$136.32†a month after the base-tier rebate (24.1%) Two policies: hospital $107.52 + extras $28.80