Hospital and extras in New South Wales

Frank Health Insurance

HospitalFrank Basic Accident Boost Hospital

ExtrasFrank Bundables $250

BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29

0 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 (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
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

$90.72†a month after the base-tier rebate (24.1%)

Two policies: hospital $78.96 + extras $11.76

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Frank Health Insurance

HospitalFrank Basic Plus Hospital

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

$96.44†a month after the base-tier rebate (24.1%)

Two policies: hospital $84.68 + extras $11.76

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Australian Unity

Care 'n Repair (Basic Plus)

Basic Plus$750 excessEmergency ambulanceAlso with $500 excess

0 of 38 hospital treatments covered

8 of 27 extras services covered

What the extras pay back

General dental$500 yearly limit shared with root canal and other servicesup to $24 back on a check-up

Glasses and contact lensesnot covered

Physiotherapy$300 yearly limit shared with exercise physiology and other servicesup to $25 back on a first visit

Not covered (6) · Restricted (32)

Not covered

Assisted reproductive services
Cataracts
Dialysis for chronic kidney failure
Joint replacements
Pregnancy and birth
Weight loss surgery

Restricted

Back, neck and spine
Blood
Bone, joint and muscle
Brain and nervous system
Breast surgery (medically necessary)
Chemotherapy, radiotherapy and immunotherapy for cancer
Dental surgery
Diabetes management (excluding insulin pumps)
Digestive system
Ear, nose and throat
Eye (not cataracts)
Gastrointestinal endoscopy
Gynaecology
Heart and vascular system
Hernia and appendix
Hospital psychiatric services
Implantation of hearing devices
Insulin pumps
Joint reconstructions
Kidney and bladder
Lung and chest
Male reproductive system
Miscarriage and termination of pregnancy
Pain management
Pain management with device
Palliative care
Plastic and reconstructive surgery (medically necessary)
Podiatric surgery (provided by a registered podiatric surgeon)
Rehabilitation
Skin
Sleep studies
Tonsils, adenoids and grommets

Member retention (hospital cover): 81.4% · Commonwealth Ombudsman, 2024-25

$96.67†a month after the base-tier rebate (24.1%)

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HBF

HospitalBasic Hospital Accident Only $750/$1500 Excess

ExtrasSmart Start Extras

BasicAccident only$750 excessEmergency ambulance

0 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 (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

Member retention (hospital cover): 88.4% · Commonwealth Ombudsman, 2024-25

$96.78†a month after the base-tier rebate (24.1%)

Two policies: hospital $79.96 + extras $16.82

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HCF

HospitalHCF Reciprocal Health Cover Basic

ExtrasHCF STARTER EXTRAS (WITH OPTICAL)

Basic$750 excessEmergency ambulance

0 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 (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

Member retention (hospital cover): 83.7% · Commonwealth Ombudsman, 2024-25

$97.88†a month after the base-tier rebate (24.1%)

Two policies: hospital $79.71 + extras $18.17

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see-u by HBF

HospitalStarter Hospital $750 Excess with Daily Co-Pay (Basic)

ExtrasStarter Extras

BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29

0 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 (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
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

$98.08†a month after the base-tier rebate (24.1%)

Two policies: hospital $78.45 + extras $19.63

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see-u by HBF

HospitalStarter Hospital $750 Excess (Basic)

ExtrasStarter Extras

BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29

0 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 (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
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

$101.45†a month after the base-tier rebate (24.1%)

Two policies: hospital $81.82 + extras $19.63

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HCF

HospitalHCF ACCIDENT ONLY BASIC

ExtrasHCF STARTER EXTRAS (WITH OPTICAL)

BasicAccident only$750 excessEmergency ambulance

0 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 (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

Member retention (hospital cover): 83.7% · Commonwealth Ombudsman, 2024-25

$102.83†a month after the base-tier rebate (24.1%)

Two policies: hospital $84.66 + extras $18.17

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AIA Health Insurance

Basic Accident Only Hospital 750 and Base Set Extras

BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess

0 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 (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25

$103.97†a month after the base-tier rebate (24.1%)

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HCF

HospitalHCF Hospital Basic Plus $750 Excess

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

$104.09†a month after the base-tier rebate (24.1%)

Two policies: hospital $85.92 + extras $18.17

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HBF

HospitalBasic Hospital Plus $750/$1500 Excess

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

$105.42†a month after the base-tier rebate (24.1%)

Two policies: hospital $88.60 + extras $16.82

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Bupa

HospitalBasic Accident Only Hospital $750 Excess

ExtrasExplorer 50 Visitors Cover

BasicAccident only$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29

0 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 (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

Member retention (hospital cover): 86.1% · Commonwealth Ombudsman, 2024-25

$106.19†a month after the base-tier rebate (24.1%)

Two policies: hospital $83.20 + extras $22.99

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GMHBA

HospitalGMHBA Accident Only Hospital (Basic)

ExtrasGMHBA SmartCare Starter Boost Extras with sub-limits

BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29

0 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 (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25

$107.45†a month after the base-tier rebate (24.1%)

Two policies: hospital $85.33 + extras $22.12

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HIF

Basic Starter

BasicAccident only$750 excessEmergency and non-emergency ambulance

0 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 (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

Member retention (hospital cover): 76.2% · Commonwealth Ombudsman, 2024-25

$107.83†a month after the base-tier rebate (24.1%)

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AIA Health Insurance

Basic Accident Only Hospital 750 and Base Set Extras (with Optical)

BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess

0 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 (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25

$108.25†a month after the base-tier rebate (24.1%)

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GMHBA

HospitalGMHBA Basic Plus Starter Hospital

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

$109.65†a month after the base-tier rebate (24.1%)

Two policies: hospital $87.53 + extras $22.12

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Bupa

HospitalReciprocal Health Cover - Basic

ExtrasExplorer 50 Visitors Cover

Basic$500 excessEmergency and non-emergency ambulanceDiscount for 18 to 29

0 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 (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

Member retention (hospital cover): 86.1% · Commonwealth Ombudsman, 2024-25

$109.76†a month after the base-tier rebate (24.1%)

Two policies: hospital $86.77 + extras $22.99

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HCF

HCF MY FUTURE 750 BASIC PLUS

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

$110.06†a month after the base-tier rebate (24.1%)

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nib

Basic Kickstarter $750 Excess

BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess

0 of 38 hospital treatments covered

9 of 27 extras services covered

What the extras pay back

General dental$200 yearly limitup to $35.20 back on a check-up

Glasses and contact lensesnot covered

Physiotherapy$150 yearly limit50% back on a first visit

Not covered (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

Member retention (hospital cover): 79.0% · Commonwealth Ombudsman, 2024-25

$110.18†a month after the base-tier rebate (24.1%)

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Medibank

HospitalMedibank Basic Accident and Ambulance

ExtrasEssential Extras 60

BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess

0 of 38 hospital treatments covered

9 of 27 extras services covered

What the extras pay back

General dental$400 yearly limitup to $23.50 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 $37.70 back on a first visit

Not covered (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

Member retention (hospital cover): 85.4% · Commonwealth Ombudsman, 2024-25

$110.40†a month after the base-tier rebate (24.1%)

Two policies: hospital $84.68 + extras $25.72

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Peoplecare

Basic Accident Hospital $750 & Simple Extras

BasicAccident only$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29

0 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 (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25

$110.66†a month after the base-tier rebate (24.1%)

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Health Partners

HospitalBasic Accident Hospital $750 Excess

ExtrasBase Extras

BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29

0 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 (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25

$110.91†a month after the base-tier rebate (24.1%)

Two policies: hospital $88.65 + extras $22.26

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Health Partners

Basic Accident Hospital $750 Excess with Base Extras

BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29

0 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 (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25

$110.92†a month after the base-tier rebate (24.1%)

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Phoenix Health Fund

Basic Accident Only Hospital 750 & Kick Start Extras 50

BasicAccident only$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29

0 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 (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

Member retention (hospital cover): 82.5% · Commonwealth Ombudsman, 2024-25

$111.08†a month after the base-tier rebate (24.1%)

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Bupa

HospitalBasic Accident Only Hospital $500 Excess

ExtrasExplorer 50 Visitors Cover

BasicAccident only$500 excessEmergency and non-emergency ambulanceDiscount for 18 to 29

0 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 (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

Member retention (hospital cover): 86.1% · Commonwealth Ombudsman, 2024-25

$111.39†a month after the base-tier rebate (24.1%)

Two policies: hospital $88.40 + extras $22.99

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Westfund

HospitalBasic Plus 750 Hospital

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

$111.50†a month after the base-tier rebate (24.1%)

Two policies: hospital $86.54 + extras $24.96

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ahm

Hospitalambulance hospital (basic)

Extrasvalue extras

Basic$750 excessEmergency ambulanceDiscount for 18 to 29

0 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 (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
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

$111.62†a month after the base-tier rebate (24.1%)

Two policies: hospital $77.85 + extras $33.77

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HBF

HospitalLite Bronze Hospital Plus $750/$1500 Excess

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

$111.75†a month after the base-tier rebate (24.1%)

Two policies: hospital $94.93 + extras $16.82

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Frank Health Insurance

HospitalFrank Bronze Hospital

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

$111.81†a month after the base-tier rebate (24.1%)

Two policies: hospital $100.05 + extras $11.76

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see-u by HBF

HospitalSaver Hospital $750 Excess with Daily Co-Pay (Bronze Plus)

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

$112.05†a month after the base-tier rebate (24.1%)

Two policies: hospital $92.42 + extras $19.63

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Latrobe Health Services

Healthy Start (Basic)

Basic PlusNo excessEmergency ambulance

0 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

Restricted (38)

Restricted

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
Hernia and appendix
Hospital psychiatric services
Implantation of hearing devices
Insulin pumps
Joint reconstructions
Joint replacements
Kidney and bladder
Lung and chest
Male reproductive system
Miscarriage and termination of pregnancy
Pain management
Pain management with device
Palliative care
Plastic and reconstructive surgery (medically necessary)
Podiatric surgery (provided by a registered podiatric surgeon)
Pregnancy and birth
Rehabilitation
Skin
Sleep studies
Tonsils, adenoids and grommets
Weight loss surgery

Member retention (hospital cover): 74.6% · Commonwealth Ombudsman, 2024-25

$112.21†a month after the base-tier rebate (24.1%)

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HBF

HospitalBasic Hospital Plus Elevate $750/$1500 Excess

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

$112.34†a month after the base-tier rebate (24.1%)

Two policies: hospital $95.52 + extras $16.82

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Bupa

HospitalBasic Plus Starter Hospital $750 Excess

ExtrasExplorer 50 Visitors Cover

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

$113.25†a month after the base-tier rebate (24.1%)

Two policies: hospital $90.26 + extras $22.99

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AIA Health Insurance

Basic Plus Hospital 750 and Base Set Extras

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

$113.34†a month after the base-tier rebate (24.1%)

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nib

HospitalBasic Accident Hospital $750 Excess

ExtrasBasic Extras

BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess

0 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 (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

Member retention (hospital cover): 79.0% · Commonwealth Ombudsman, 2024-25

$113.87†a month after the base-tier rebate (24.1%)

Two policies: hospital $87.02 + extras $26.85

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HCF

HospitalHCF HOSPITAL BRONZE $750 EXCESS

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

$114.02†a month after the base-tier rebate (24.1%)

Two policies: hospital $95.85 + extras $18.17

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see-u by HBF

HospitalSaver Hospital $750 Excess (Bronze Plus)

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

$115.39†a month after the base-tier rebate (24.1%)

Two policies: hospital $95.76 + extras $19.63

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RT Health

HospitalBasic Plus Starter Hospital $750 Excess

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

$115.65†a month after the base-tier rebate (24.1%)

Two policies: hospital $85.92 + extras $29.73

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RT Health

Basic Plus Starter Hospital $750 Excess and Value 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

$115.65†a month after the base-tier rebate (24.1%)

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Medibank

HospitalMedibank Basic Plus Select

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 $23.50 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 $37.70 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

$115.91†a month after the base-tier rebate (24.1%)

Two policies: hospital $90.19 + extras $25.72

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ahm

Hospitalambulance & accident hospital (basic)

Extrasvalue extras

BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess

0 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 (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
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

$116.29†a month after the base-tier rebate (24.1%)

Two policies: hospital $82.52 + extras $33.77

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Frank Health Insurance

HospitalFrank Bronze Plus Hospital

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

$117.31†a month after the base-tier rebate (24.1%)

Two policies: hospital $105.55 + extras $11.76

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Peoplecare

Basic Plus Hospital $750 & Simple 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

$117.36†a month after the base-tier rebate (24.1%)

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AIA Health Insurance

Basic Plus Hospital 750 and Base Set Extras (with Optical)

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

$117.62†a month after the base-tier rebate (24.1%)

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AIA Health Insurance

Basic Accident Only Hospital 750 and Base 50% Back Extras

BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess

0 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 (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25

$117.70†a month after the base-tier rebate (24.1%)

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Bupa

HospitalBronze Hospital $750 Excess

ExtrasExplorer 50 Visitors Cover

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

$117.84†a month after the base-tier rebate (24.1%)

Two policies: hospital $94.85 + extras $22.99

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Australian Unity

Simple Saver (Basic Plus)

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

$117.88†a month after the base-tier rebate (24.1%)

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Bupa

HospitalBasic Plus Starter Hospital $500 Excess

ExtrasExplorer 50 Visitors Cover

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

$118.56†a month after the base-tier rebate (24.1%)

Two policies: hospital $95.57 + extras $22.99

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Health Partners

Basic Accident Hospital $750 Excess with Flex Extras: Eyes

BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29

0 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 (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25

$119.70†a month after the base-tier rebate (24.1%)

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AIA Health Insurance

Basic Accident Only Hospital 750 and Good Set Extras

BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess

0 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 (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25

$119.83†a month after the base-tier rebate (24.1%)

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nib

HospitalBasic Care Hospital Plus $750 Excess

ExtrasBasic Extras

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

$119.84†a month after the base-tier rebate (24.1%)

Two policies: hospital $92.99 + extras $26.85

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Health Partners

HospitalBasic Hospital Plus $750 Excess

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

$119.85†a month after the base-tier rebate (24.1%)

Two policies: hospital $97.59 + extras $22.26

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Health Partners

Basic Hospital Plus $750 Excess with Base 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

$119.86†a month after the base-tier rebate (24.1%)

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ahm

starter flexi basic

BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess

0 of 38 hospital treatments covered

5 of 27 extras services covered

What the extras pay back

General dental$550 yearly limit shared with other servicesup to $27.55 back on a check-up

Glasses and contact lensesnot covered

Physiotherapy$550 yearly limit shared with other servicesup to $30 back on a first visit

Not covered (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
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

$119.93†a month after the base-tier rebate (24.1%)

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Latrobe Health Services

HospitalBronze Hospital 750 Excess

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

$120.06†a month after the base-tier rebate (24.1%)

Two policies: hospital $100.10 + extras $19.96

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Peoplecare

HospitalBasic Plus Hospital $750

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

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HIF

HospitalBasic Plus Hospital $750/$1500

ExtrasBasic Extras

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

$120.38†a month after the base-tier rebate (24.1%)

Two policies: hospital $92.80 + extras $27.58

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Bupa

Basic Plus Active Saver

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 $26.95 back on a check-up

Glasses and contact lensesnot covered

Physiotherapy$1,000 yearly limit, shared with 14 other services, smaller limits applyup to $37.75 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%)

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see-u by HBF

HospitalSmart Hospital $750 Excess (Bronze Plus)

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

$121.29†a month after the base-tier rebate (24.1%)

Two policies: hospital $101.66 + extras $19.63

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HCF

HospitalHCF HOSPITAL BRONZE PLUS $750 EXCESS

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

$121.70†a month after the base-tier rebate (24.1%)

Two policies: hospital $103.53 + extras $18.17

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AIA Health Insurance

Bronze Hospital 750 and Base Set Extras

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

$121.73†a month after the base-tier rebate (24.1%)

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Health Partners

Basic Accident Hospital $750 Excess with Flex Extras: Wellness

BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29

0 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 (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25

$121.90†a month after the base-tier rebate (24.1%)

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Medibank

HospitalMedibank Bronze Plus Value

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 $23.50 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 $37.70 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

$122.32†a month after the base-tier rebate (24.1%)

Two policies: hospital $96.60 + extras $25.72

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Health Partners

Basic Accident Hospital $750 Excess with Flex Extras: Body

BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29

0 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 (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25

$122.59†a month after the base-tier rebate (24.1%)

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ahm

Hospitalcore hospital (basic+)

Extrasvalue extras

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

$122.63†a month after the base-tier rebate (24.1%)

Two policies: hospital $88.86 + extras $33.77

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Bupa

HospitalBronze Plus Simple Hospital $750 Excess

ExtrasExplorer 50 Visitors Cover

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

$123.00†a month after the base-tier rebate (24.1%)

Two policies: hospital $100.01 + extras $22.99

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Bupa

HospitalBronze Plus Select Hospital $750 Excess

ExtrasExplorer 50 Visitors Cover

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

$123.12†a month after the base-tier rebate (24.1%)

Two policies: hospital $100.13 + extras $22.99

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HCF

HospitalHCF HOSPITAL BRONZE $500 EXCESS

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

$123.27†a month after the base-tier rebate (24.1%)

Two policies: hospital $105.10 + extras $18.17

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HCF

HCF MY FUTURE 500 BASIC PLUS

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

$123.32†a month after the base-tier rebate (24.1%)

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AAMI Health Insurance

HospitalAAMI Basic Hospital Plus $750 Excess

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

$124.12†a month after the base-tier rebate (24.1%)

Two policies: hospital $97.54 + extras $26.58

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Suncorp Health Insurance

HospitalSuncorp Health Insurance Basic Hospital Plus $750 Excess

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

$124.12†a month after the base-tier rebate (24.1%)

Two policies: hospital $97.54 + extras $26.58

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Latrobe Health Services

HospitalBronze Plus Hospital 750 Excess

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

$124.37†a month after the base-tier rebate (24.1%)

Two policies: hospital $104.41 + extras $19.96

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nib

HospitalBasic Essential Hospital Plus $750 Excess

ExtrasBasic Extras

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

$124.77†a month after the base-tier rebate (24.1%)

Two policies: hospital $97.92 + extras $26.85

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Latrobe Health Services

HospitalBronze Hospital 500 Excess

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

$124.81†a month after the base-tier rebate (24.1%)

Two policies: hospital $104.85 + extras $19.96

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Phoenix Health Fund

Bronze Hospital 750 & Kick Start Extras 50

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

$124.97†a month after the base-tier rebate (24.1%)

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AIA Health Insurance

HospitalBasic Accident Only Hospital 750

ExtrasBase Set Extras Only

BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess

0 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 (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25

$125.01†a month after the base-tier rebate (24.1%)

Two policies: hospital $90.92 + extras $34.09

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Westfund

HospitalBronze 750 Hospital

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

$125.02†a month after the base-tier rebate (24.1%)

Two policies: hospital $100.06 + extras $24.96

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Peoplecare

Basic Accident Hospital $750 & Flex Essentials Extras

BasicAccident only$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29

0 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 (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25

$125.24†a month after the base-tier rebate (24.1%)

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Health Partners

Basic Accident Hospital $750 Excess with Flex Extras: Teeth Pro

BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29

0 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 (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25

$125.55†a month after the base-tier rebate (24.1%)

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HBF

HospitalBronze Hospital Plus $750/$1500 Excess

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

$125.99†a month after the base-tier rebate (24.1%)

Two policies: hospital $109.17 + extras $16.82

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AIA Health Insurance

Bronze Hospital 750 and Base Set Extras (with Optical)

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

$126.00†a month after the base-tier rebate (24.1%)

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Phoenix Health Fund

Bronze Plus Essentials 750 & Kick Start Extras 50

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

$126.21†a month after the base-tier rebate (24.1%)

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Phoenix Health Fund

Basic Accident Only Hospital 750 & Healthy Flex Extras 50

BasicAccident only$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29

0 of 38 hospital treatments covered

8 of 27 extras services covered

What the extras pay back

General dental$700 yearly limit100% back on a check-up

Glasses and contact lenses$700 yearly limit shared with 6 other services, smaller limits apply50% back on single vision glasses

Physiotherapy$700 yearly limit shared with 6 other services50% back on a first visit

Not covered (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

Member retention (hospital cover): 82.5% · Commonwealth Ombudsman, 2024-25

$126.69†a month after the base-tier rebate (24.1%)

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AIA Health Insurance

Basic Plus Hospital 750 and Base 50% Back Extras

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

$127.07†a month after the base-tier rebate (24.1%)

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AIA Health Insurance

Bronze Hospital 500 and Base Set Extras

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

$127.42†a month after the base-tier rebate (24.1%)

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Health Partners

Basic Accident Hospital $750 Excess with Flex Extras: Eyes / Wellness

BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29

0 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 (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25

$127.75†a month after the base-tier rebate (24.1%)

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ahm

Hospitalbronze no fuss

Extrasvalue extras

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

$128.17†a month after the base-tier rebate (24.1%)

Two policies: hospital $94.40 + extras $33.77

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Health Partners

Basic Accident Hospital $750 Excess with Flex Extras: Eyes / Body

BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29

0 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 (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25

$128.38†a month after the base-tier rebate (24.1%)

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Medibank

HospitalMedibank Bronze Plus Advanced

ExtrasEssential Extras 60

Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess

27 of 38 hospital treatments covered

9 of 27 extras services covered

What the extras pay back

General dental$400 yearly limitup to $23.50 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 $37.70 back on a first visit

Not covered (9) · Restricted (2)

Not covered

Assisted reproductive services
Cataracts
Dialysis for chronic kidney failure
Heart and vascular system
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

$128.50†a month after the base-tier rebate (24.1%)

Two policies: hospital $102.78 + extras $25.72

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Bupa

HospitalBronze Hospital $500 Excess

ExtrasExplorer 50 Visitors Cover

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

$128.58†a month after the base-tier rebate (24.1%)

Two policies: hospital $105.59 + extras $22.99

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Health Partners

Basic Hospital Plus $750 Excess with Flex Extras: Eyes

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

$128.64†a month after the base-tier rebate (24.1%)

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AIA Health Insurance

Basic Plus Hospital 750 and Good Set Extras

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

$129.20†a month after the base-tier rebate (24.1%)

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Latrobe Health Services

HospitalBronze Plus Hospital 500 Excess

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

$129.47†a month after the base-tier rebate (24.1%)

Two policies: hospital $109.51 + extras $19.96

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Frank Health Insurance

HospitalFrank Bronze Plus Max Hospital

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

$129.60†a month after the base-tier rebate (24.1%)

Two policies: hospital $117.84 + extras $11.76

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nib

HospitalBronze Hospital $750 Excess

ExtrasBasic Extras

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

$129.84†a month after the base-tier rebate (24.1%)

Two policies: hospital $102.99 + extras $26.85

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Qantas Insurance

HospitalQantas Basic Hospital $750 Excess

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

$129.91†a month after the base-tier rebate (24.1%)

Two policies: hospital $97.51 + extras $32.40

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Health Partners

Basic Accident Hospital $750 Excess with Flex Extras: Body / Wellness

BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29

0 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 (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25

$130.35†a month after the base-tier rebate (24.1%)

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nib

HospitalBronze Protect Hospital Plus $750 Excess

ExtrasBasic Extras

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

$130.42†a month after the base-tier rebate (24.1%)

Two policies: hospital $103.57 + extras $26.85

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GMHBA

HospitalGMHBA Bronze Plus Advantage Hospital $750

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

$130.71†a month after the base-tier rebate (24.1%)

Two policies: hospital $108.59 + extras $22.12

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Westfund

HospitalBronze Plus 750 Hospital

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

$130.81†a month after the base-tier rebate (24.1%)

Two policies: hospital $105.85 + extras $24.96

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Health Partners

Basic Hospital Plus $750 Excess with Flex Extras: Wellness

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

$130.84†a month after the base-tier rebate (24.1%)

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Health Partners

Basic Accident Hospital $750 Excess with Flex Extras: Teeth Pro / Eyes

BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29

0 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 (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25

$131.04†a month after the base-tier rebate (24.1%)

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Queensland Country Health Fund

HospitalCore Hospital (Basic+) $750 excess

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

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Queensland Country Health Fund

Core Hospital (Basic+) $750 excess & Young 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%)

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Health Partners

Basic Hospital Plus $750 Excess with Flex Extras: Body

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

$131.53†a month after the base-tier rebate (24.1%)

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AIA Health Insurance

Bronze Hospital 500 and Base Set Extras (with Optical)

Bronze$500 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

$131.69†a month after the base-tier rebate (24.1%)

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Bupa

HospitalBronze Plus Advantage Hospital $750 Excess

ExtrasExplorer 50 Visitors Cover

Bronze Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29

26 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 (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
Pain management with device
Pregnancy and birth
Weight loss surgery

Restricted

Hospital psychiatric services
Rehabilitation

Member retention (hospital cover): 86.1% · Commonwealth Ombudsman, 2024-25

$131.84†a month after the base-tier rebate (24.1%)

Two policies: hospital $108.85 + extras $22.99

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AIA Health Insurance

Bronze Plus Essential Hospital 750 and Base Set Extras

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

$131.84†a month after the base-tier rebate (24.1%)

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Peoplecare

Basic Plus Hospital $750 & Flex Essentials Extras

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%)

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HCF

HospitalHCF HOSPITAL BRONZE PLUS $500 EXCESS

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

$132.03†a month after the base-tier rebate (24.1%)

Two policies: hospital $113.86 + extras $18.17

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Medibank

HospitalMedibank Bronze Plus Support

ExtrasEssential Extras 60

Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also 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$400 yearly limitup to $23.50 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 $37.70 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
Pain management with device
Pregnancy and birth
Weight loss surgery

Restricted

Hospital psychiatric services
Rehabilitation

Member retention (hospital cover): 85.4% · Commonwealth Ombudsman, 2024-25

$132.07†a month after the base-tier rebate (24.1%)

Two policies: hospital $106.35 + extras $25.72

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ahm

Hospitalbronze plus everyday

Extrasvalue extras

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

$132.87†a month after the base-tier rebate (24.1%)

Two policies: hospital $99.10 + extras $33.77

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Health Partners

Basic Accident Hospital $750 Excess with Flex Extras: Teeth Pro / Wellness

BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29

0 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 (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25

$132.98†a month after the base-tier rebate (24.1%)

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Health Partners

Basic Accident Hospital $750 Excess with Flex Extras: Teeth Pro / Body

BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29

0 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 (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25

$133.61†a month after the base-tier rebate (24.1%)

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Peoplecare

Bronze Plus Hospital $750 & Simple Extras

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%)

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HIF

HospitalBronze Hospital $750/$1500

ExtrasBasic Extras

Bronze$750 excessEmergency and non-emergency ambulanceAlso with $200 excess or $500 excess

18 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 (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): 76.2% · Commonwealth Ombudsman, 2024-25

$133.97†a month after the base-tier rebate (24.1%)

Two policies: hospital $106.39 + extras $27.58

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Health Partners

Basic Accident Hospital $750 Excess with Combined Good Extras

BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29

0 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 (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25

$134.03†a month after the base-tier rebate (24.1%)

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AIA Health Insurance

HospitalBasic Plus Hospital 750

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

$134.38†a month after the base-tier rebate (24.1%)

Two policies: hospital $100.29 + extras $34.09

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Australian Unity

HospitalSimple Hospital (Basic Plus)

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

$134.39†a month after the base-tier rebate (24.1%)

Two policies: hospital $89.43 + extras $44.96

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Health Partners

Basic Hospital Plus $750 Excess with Flex Extras: Teeth Pro

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

$134.49†a month after the base-tier rebate (24.1%)

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Peoplecare

Basic Plus Hospital $500 & Flex Essentials Extras

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%)

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ING Health Insurance

HospitalING Basic Plus Hospital $750 Excess

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

$134.94†a month after the base-tier rebate (24.1%)

Two policies: hospital $94.76 + extras $40.18

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Queensland Country Health Fund

HospitalBudget Hospital (Basic+) $750 excess

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

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Queensland Country Health Fund

Budget Hospital (Basic+) $750 excess & Young 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%)

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Bupa

HospitalBronze Plus Simple Hospital $500 Excess

ExtrasExplorer 50 Visitors Cover

Bronze Plus$500 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

$135.22†a month after the base-tier rebate (24.1%)

Two policies: hospital $112.23 + extras $22.99

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HCF

HCF MY FUTURE 250 BASIC PLUS

Basic Plus$250 excessEmergency ambulance

10 of 38 hospital treatments covered

13 of 27 extras services covered

What the extras pay back

General dental$900 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$900 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

$135.26†a month after the base-tier rebate (24.1%)

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see-u by HBF

HospitalSecure Hospital $750 Excess (Silver)

ExtrasStarter Extras

Silver$750 excessEmergency ambulanceDiscount for 18 to 29

27 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 (9) · Restricted (2)

Not covered

Assisted reproductive services
Cataracts
Dialysis for chronic kidney failure
Insulin pumps
Joint replacements
Pain management with device
Pregnancy and birth
Sleep studies
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care

Member retention (hospital cover): 88.4% for HBF, the insurer of see-u by HBF · Commonwealth Ombudsman, 2024-25

$135.41†a month after the base-tier rebate (24.1%)

Two policies: hospital $115.78 + extras $19.63

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AIA Health Insurance

Bronze Hospital 750 and Base 50% Back Extras

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$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 (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

$135.46†a month after the base-tier rebate (24.1%)

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AIA Health Insurance

Basic Accident Only Hospital 750 and Good 50% Back Extras

BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess

0 of 38 hospital treatments covered

13 of 27 extras services covered

What the extras pay back

General dental$750 yearly limit50% back on a check-up

Glasses and contact lenses$200 yearly limit100% back on single vision glasses

Physiotherapy$350 yearly limit shared with exercise physiology and other services50% back on a first visit

Not covered (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25

$135.60†a month after the base-tier rebate (24.1%)

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AIA Health Insurance

Bronze Plus Essential Hospital 500 and Base Set Extras

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

$135.95†a month after the base-tier rebate (24.1%)

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AIA Health Insurance

Bronze Plus Essential Hospital 750 and Base Set Extras (with Optical)

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

$136.12†a month after the base-tier rebate (24.1%)

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Health Partners

Basic Hospital Plus $750 Excess with Flex Extras: Eyes / Wellness

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

$136.69†a month after the base-tier rebate (24.1%)

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Peoplecare

Basic Accident Hospital $750 & Mid Extras

BasicAccident only$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29

0 of 38 hospital treatments covered

18 of 27 extras services covered

What the extras pay back

General dental$750 yearly limit60% back on a check-up

Glasses and contact lenses$200 yearly limitup to $200 back on single vision glasses

Physiotherapy$350 yearly limit shared with other servicesup to $45 back on a first visit

Not covered (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25

$136.69†a month after the base-tier rebate (24.1%)

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Peoplecare

HospitalBronze Plus Hospital $750

ExtrasSimple Extras

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

$136.78†a month after the base-tier rebate (24.1%)

Two policies: hospital $106.77 + extras $30.01

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HBF

HospitalEssential Silver Hospital $750/$1500 Excess

ExtrasSmart Start Extras

Silver Plus$750 excessEmergency ambulanceAlso with $500 excess

29 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 (8) · Restricted (1)

Not covered

Assisted reproductive services
Cataracts
Dialysis for chronic kidney failure
Insulin pumps
Joint replacements
Pain management with device
Pregnancy and birth
Weight loss surgery

Restricted

Hospital psychiatric services

Member retention (hospital cover): 88.4% · Commonwealth Ombudsman, 2024-25

$137.31†a month after the base-tier rebate (24.1%)

Two policies: hospital $120.49 + extras $16.82

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Health Partners

Basic Hospital Plus $750 Excess with Flex Extras: Eyes / Body

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

$137.32†a month after the base-tier rebate (24.1%)

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AIA Health Insurance

Bronze Hospital 750 and Good Set Extras

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$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 (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

$137.58†a month after the base-tier rebate (24.1%)

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Suncorp Health Insurance

HospitalSuncorp Health Insurance Bronze Hospital $750 Excess

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

$137.79†a month after the base-tier rebate (24.1%)

Two policies: hospital $111.21 + extras $26.58

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AAMI Health Insurance

HospitalAAMI Bronze Hospital $750 Excess

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

$137.85†a month after the base-tier rebate (24.1%)

Two policies: hospital $111.27 + extras $26.58

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HIF

HospitalBronze Plus Hospital $750/$1500

ExtrasBasic Extras

Bronze Plus$750 excessEmergency and non-emergency ambulanceAlso with $200 excess or $500 excess

23 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 (12) · Restricted (3)

Not covered

Assisted reproductive services
Back, neck and spine
Cataracts
Dialysis for chronic kidney failure
Heart and vascular system
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): 76.2% · Commonwealth Ombudsman, 2024-25

$137.91†a month after the base-tier rebate (24.1%)

Two policies: hospital $110.33 + extras $27.58

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Queensland Country Health Fund

HospitalCore Hospital (Basic+) $500 excess

ExtrasYoung Extras

Basic Plus$500 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

$138.04†a month after the base-tier rebate (24.1%)

Two policies: hospital $107.62 + extras $30.42

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Queensland Country Health Fund

Core Hospital (Basic+) $500 excess & Young Extras

Basic Plus$500 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

$138.04†a month after the base-tier rebate (24.1%)

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nib

HospitalBronze Hospital Plus $750 Excess

ExtrasBasic Extras

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

$138.16†a month after the base-tier rebate (24.1%)

Two policies: hospital $111.31 + extras $26.85

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Bupa

HospitalBronze Plus Select Hospital $500 Excess

ExtrasExplorer 50 Visitors Cover

Bronze Plus$500 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

$138.63†a month after the base-tier rebate (24.1%)

Two policies: hospital $115.64 + extras $22.99

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Health Partners

HospitalBronze Hospital Plus $750 Excess

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

$138.63†a month after the base-tier rebate (24.1%)

Two policies: hospital $116.37 + extras $22.26

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Health Partners

Bronze Hospital Plus $750 Excess with Base 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

$138.64†a month after the base-tier rebate (24.1%)

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AIA Health Insurance

Basic Accident Only Hospital 750 and Better Set Extras

BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess

0 of 38 hospital treatments covered

20 of 27 extras services covered

What the extras pay back

General dental$700 yearly limitup to $35 back on a check-up

Glasses and contact lenses$200 yearly limit100% back on single vision glasses

Physiotherapy$450 yearly limit shared with exercise physiologyup to $40 back on a first visit

Not covered (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25

$138.92†a month after the base-tier rebate (24.1%)

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Health Partners

Basic Accident Hospital $750 Excess with Flex Extras: Eyes / Body / Wellness

BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29

0 of 38 hospital treatments covered

20 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 (35) · 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
Hernia and appendix
Implantation of hearing devices
Insulin pumps
Joint reconstructions
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
Tonsils, adenoids and grommets
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25

$139.19†a month after the base-tier rebate (24.1%)

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Frank Health Insurance

HospitalFrank Silver Hospital

ExtrasFrank Bundables $250

Silver$750 excessEmergency ambulanceDiscount for 18 to 29

26 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 (9) · Restricted (3)

Not covered

Assisted reproductive services
Cataracts
Dialysis for chronic kidney failure
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

$139.20†a month after the base-tier rebate (24.1%)

Two policies: hospital $127.44 + extras $11.76

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Health Partners

Basic Hospital Plus $750 Excess with Flex Extras: Body / Wellness

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

$139.29†a month after the base-tier rebate (24.1%)

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Health insurance: hospital and extras