Frank Health Insurance
Frank Health Insurance
ExtrasFrank Bundables $250
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
5 of 38 hospital treatments covered
13 of 27 extras services covered
What the extras pay back
General dental$250 yearly limit shared with 12 other services, smaller limits apply50% back on a check-up
Glasses and contact lenses$250 yearly limit shared with 12 other services, smaller limits apply50% back on single vision glasses
Physiotherapy$250 yearly limit shared with 12 other services, smaller limits apply50% back on a first visit
Not covered (30) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% for GMHBA, the insurer of Frank Health Insurance · Commonwealth Ombudsman, 2024-25
$96.44†a month after the base-tier rebate (24.1%) Two policies: hospital $84.68 + extras $11.76
HCF
HCF
ExtrasHCF STARTER EXTRAS (WITH OPTICAL)
Basic Plus$750 excessEmergency ambulanceAlso with $500 excess
9 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$400 yearly limit shared with other servicesup to $29 back on a check-up
Glasses and contact lenses$100 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limitup to $42 back on a first visit
Not covered (26) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 83.7% · Commonwealth Ombudsman, 2024-25
$104.09†a month after the base-tier rebate (24.1%) Two policies: hospital $85.92 + extras $18.17
HBF
HBF
ExtrasSmart Start Extras
Basic Plus$750 excessEmergency ambulanceAlso with $500 excess
5 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $24 back on a check-up
Glasses and contact lenses$120 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limit shared with chiropractic and osteopathyup to $39 back on a first visit
Not covered (30) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% · Commonwealth Ombudsman, 2024-25
$105.42†a month after the base-tier rebate (24.1%) Two policies: hospital $88.60 + extras $16.82
GMHBA
GMHBA
ExtrasGMHBA SmartCare Starter Boost Extras with sub-limits
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
5 of 38 hospital treatments covered
5 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with 3 other services, smaller limits apply100% back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$500 yearly limit shared with 3 other services, smaller limits apply60% back on a first visit
Not covered (30) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25
$109.65†a month after the base-tier rebate (24.1%) Two policies: hospital $87.53 + extras $22.12
HCF
Basic Plus$750 excessEmergency ambulance
10 of 38 hospital treatments covered
12 of 27 extras services covered
What the extras pay back
General dental$600 yearly limit shared with other servicesup to $29 back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$600 yearly limit shared with other servicesup to $38 back on a first visit
Not covered (25) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 83.7% · Commonwealth Ombudsman, 2024-25
$110.06†a month after the base-tier rebate (24.1%)
Westfund
Westfund
ExtrasStarter Extras
Basic Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $500 excess
4 of 38 hospital treatments covered
15 of 27 extras services covered
What the extras pay back
General dental$400 yearly limit shared with root canalup to $28 back on a check-up
Glasses and contact lenses$400 yearly limit shared with other services, smaller limits applyup to $180 back on single vision glasses
Physiotherapy$400 yearly limit shared with other servicesup to $25 back on a first visit
Not covered (31) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 86.3% · Commonwealth Ombudsman, 2024-25
$111.50†a month after the base-tier rebate (24.1%) Two policies: hospital $86.54 + extras $24.96
HBF
HBF
ExtrasSmart Start Extras
Bronze Plus$750 excessEmergency ambulanceAlso with $500 excess
22 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $24 back on a check-up
Glasses and contact lenses$120 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limit shared with chiropractic and osteopathyup to $39 back on a first visit
Not covered (13) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% · Commonwealth Ombudsman, 2024-25
$111.75†a month after the base-tier rebate (24.1%) Two policies: hospital $94.93 + extras $16.82
Frank Health Insurance
Frank Health Insurance
ExtrasFrank Bundables $250
Bronze$750 excessEmergency ambulanceDiscount for 18 to 29
18 of 38 hospital treatments covered
13 of 27 extras services covered
What the extras pay back
General dental$250 yearly limit shared with 12 other services, smaller limits apply50% back on a check-up
Glasses and contact lenses$250 yearly limit shared with 12 other services, smaller limits apply50% back on single vision glasses
Physiotherapy$250 yearly limit shared with 12 other services, smaller limits apply50% back on a first visit
Not covered (17) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dental surgery
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% for GMHBA, the insurer of Frank Health Insurance · Commonwealth Ombudsman, 2024-25
$111.81†a month after the base-tier rebate (24.1%) Two policies: hospital $100.05 + extras $11.76
see-u by HBF
see-u by HBF
ExtrasStarter Extras
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
19 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $25 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with 3 other servicesup to $35 back on a first visit
Not covered (16) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% for HBF, the insurer of see-u by HBF · Commonwealth Ombudsman, 2024-25
$112.05†a month after the base-tier rebate (24.1%) Two policies: hospital $92.42 + extras $19.63
HBF
HBF
ExtrasSmart Start Extras
Basic Plus$750 excessEmergency ambulanceAlso with $500 excess
15 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $24 back on a check-up
Glasses and contact lenses$120 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limit shared with chiropractic and osteopathyup to $39 back on a first visit
Not covered (20) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% · Commonwealth Ombudsman, 2024-25
$112.34†a month after the base-tier rebate (24.1%) Two policies: hospital $95.52 + extras $16.82
Bupa
Bupa
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
AIA Health Insurance
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
6 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$300 yearly limitup to $29 back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$200 yearly limit shared with 5 other servicesup to $40 back on a first visit
Not covered (29) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$113.34†a month after the base-tier rebate (24.1%)
HCF
HCF
ExtrasHCF STARTER EXTRAS (WITH OPTICAL)
Bronze$750 excessEmergency ambulance
18 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$400 yearly limit shared with other servicesup to $29 back on a check-up
Glasses and contact lenses$100 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limitup to $42 back on a first visit
Not covered (17) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dental surgery
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 83.7% · Commonwealth Ombudsman, 2024-25
$114.02†a month after the base-tier rebate (24.1%) Two policies: hospital $95.85 + extras $18.17
see-u by HBF
see-u by HBF
ExtrasStarter Extras
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
19 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $25 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with 3 other servicesup to $35 back on a first visit
Not covered (16) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% for HBF, the insurer of see-u by HBF · Commonwealth Ombudsman, 2024-25
$115.39†a month after the base-tier rebate (24.1%) Two policies: hospital $95.76 + extras $19.63
RT Health
RT Health
ExtrasValue Extras
Basic Plus$750 excessEmergency ambulanceAlso with $500 excess
9 of 38 hospital treatments covered
13 of 27 extras services covered
What the extras pay back
General dental$500 yearly limitup to $30 back on a check-up
Glasses and contact lenses$200 yearly limit100% back on single vision glasses
Physiotherapy$350 yearly limitup to $40 back on a first visit
Not covered (26) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 83.7% for HCF, the insurer of RT Health · Commonwealth Ombudsman, 2024-25
$115.65†a month after the base-tier rebate (24.1%) Two policies: hospital $85.92 + extras $29.73
RT Health
Basic Plus$750 excessEmergency ambulanceAlso with $500 excess
9 of 38 hospital treatments covered
13 of 27 extras services covered
What the extras pay back
General dental$500 yearly limitup to $30 back on a check-up
Glasses and contact lenses$200 yearly limit100% back on single vision glasses
Physiotherapy$350 yearly limitup to $40 back on a first visit
Not covered (26) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 83.7% for HCF, the insurer of RT Health · Commonwealth Ombudsman, 2024-25
$115.65†a month after the base-tier rebate (24.1%)
Medibank
Medibank
ExtrasEssential Extras 60
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess
7 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $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
Frank Health Insurance
Frank Health Insurance
ExtrasFrank Bundables $250
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
22 of 38 hospital treatments covered
13 of 27 extras services covered
What the extras pay back
General dental$250 yearly limit shared with 12 other services, smaller limits apply50% back on a check-up
Glasses and contact lenses$250 yearly limit shared with 12 other services, smaller limits apply50% back on single vision glasses
Physiotherapy$250 yearly limit shared with 12 other services, smaller limits apply50% back on a first visit
Not covered (13) · Restricted (3)
Not covered
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% for GMHBA, the insurer of Frank Health Insurance · Commonwealth Ombudsman, 2024-25
$117.31†a month after the base-tier rebate (24.1%) Two policies: hospital $105.55 + extras $11.76
Peoplecare
Basic Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $500 excess
6 of 38 hospital treatments covered
11 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit50% back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$300 yearly limit shared with other servicesup to $40 back on a first visit
Not covered (29) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25
$117.36†a month after the base-tier rebate (24.1%)
AIA Health Insurance
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
6 of 38 hospital treatments covered
11 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $29 back on a check-up
Glasses and contact lenses$100 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with 5 other servicesup to $40 back on a first visit
Not covered (29) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$117.62†a month after the base-tier rebate (24.1%)
Bupa
Bupa
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
Australian Unity
Basic Plus$750 excessEmergency ambulanceAlso with $500 excess
4 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$1,100 yearly limit, shared with other services, smaller limits apply60% back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$1,100 yearly limit, shared with other services, smaller limits apply60% back on a first visit
Not covered (31) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 81.4% · Commonwealth Ombudsman, 2024-25
$117.88†a month after the base-tier rebate (24.1%)
Bupa
Bupa
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
nib
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
6 of 38 hospital treatments covered
4 of 27 extras services covered
What the extras pay back
General dental$450 yearly limitup to $35.20 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limit shared with psychology50% back on a first visit
Not covered (29) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.0% · Commonwealth Ombudsman, 2024-25
$119.84†a month after the base-tier rebate (24.1%) Two policies: hospital $92.99 + extras $26.85
Health Partners
Health Partners
ExtrasBase Extras
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$350 yearly limit35% back on a check-up
Glasses and contact lenses$100 yearly limit40% back on single vision glasses
Physiotherapy$150 yearly limit shared with 3 other services, smaller limits applyup to $30 back on a first visit
Not covered (27) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$119.85†a month after the base-tier rebate (24.1%) Two policies: hospital $97.59 + extras $22.26
Health Partners
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$350 yearly limit35% back on a check-up
Glasses and contact lenses$100 yearly limit40% back on single vision glasses
Physiotherapy$150 yearly limit shared with 3 other services, smaller limits applyup to $30 back on a first visit
Not covered (27) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$119.86†a month after the base-tier rebate (24.1%)
Latrobe Health Services
Latrobe Health Services
ExtrasBasic Extras
Bronze$750 excessEmergency ambulanceDiscount for 18 to 29
18 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$500 yearly limitup to $30.50 back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$250 yearly limit shared with other servicesup to $30 back on a first visit
Not covered (17) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dental surgery
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 74.6% · Commonwealth Ombudsman, 2024-25
$120.06†a month after the base-tier rebate (24.1%) Two policies: hospital $100.10 + extras $19.96
Peoplecare
Peoplecare
ExtrasSimple Extras
Basic Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $500 excess
6 of 38 hospital treatments covered
11 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit50% back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$300 yearly limit shared with other servicesup to $40 back on a first visit
Not covered (29) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25
$120.36†a month after the base-tier rebate (24.1%) Two policies: hospital $90.35 + extras $30.01
HIF
Basic Plus$750 excessEmergency and non-emergency ambulanceAlso with $500 excess
3 of 38 hospital treatments covered
5 of 27 extras services covered
What the extras pay back
General dental$400 yearly limit50% back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with other services50% back on a first visit
Not covered (32) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 76.2% · Commonwealth Ombudsman, 2024-25
$120.38†a month after the base-tier rebate (24.1%) Two policies: hospital $92.80 + extras $27.58
Bupa
Basic PlusNo excessEmergency ambulanceDiscount for 18 to 29
7 of 38 hospital treatments covered
15 of 27 extras services covered
What the extras pay back
General dental$1,000 yearly limit, shared with 14 other services, smaller limits applyup to $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%)
see-u by HBF
see-u by HBF
ExtrasStarter Extras
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
22 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $25 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with 3 other servicesup to $35 back on a first visit
Not covered (13) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% for HBF, the insurer of see-u by HBF · Commonwealth Ombudsman, 2024-25
$121.29†a month after the base-tier rebate (24.1%) Two policies: hospital $101.66 + extras $19.63
HCF
HCF
ExtrasHCF STARTER EXTRAS (WITH OPTICAL)
Bronze Plus$750 excessEmergency ambulance
25 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$400 yearly limit shared with other servicesup to $29 back on a check-up
Glasses and contact lenses$100 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limitup to $42 back on a first visit
Not covered (11) · Restricted (2)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Rehabilitation
Member retention (hospital cover): 83.7% · Commonwealth Ombudsman, 2024-25
$121.70†a month after the base-tier rebate (24.1%) Two policies: hospital $103.53 + extras $18.17
AIA Health Insurance
Bronze$750 excessEmergency ambulanceDiscount for 18 to 29
18 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$300 yearly limitup to $29 back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$200 yearly limit shared with 5 other servicesup to $40 back on a first visit
Not covered (17) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dental surgery
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$121.73†a month after the base-tier rebate (24.1%)
Medibank
Medibank
ExtrasEssential Extras 60
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess
24 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $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
ahm
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
6 of 38 hospital treatments covered
13 of 27 extras services covered
What the extras pay back
General dental$650 yearly limit shared with other services, smaller limits applyup to $28.55 back on a check-up
Glasses and contact lenses$180 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limitup to $34 back on a first visit
Not covered (29) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 85.4% for Medibank, the insurer of ahm · Commonwealth Ombudsman, 2024-25
$122.63†a month after the base-tier rebate (24.1%) Two policies: hospital $88.86 + extras $33.77
Bupa
Bupa
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
Bupa
Bupa
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
HCF
HCF
ExtrasHCF STARTER EXTRAS (WITH OPTICAL)
Bronze$500 excessEmergency ambulance
18 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$400 yearly limit shared with other servicesup to $29 back on a check-up
Glasses and contact lenses$100 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limitup to $42 back on a first visit
Not covered (17) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dental surgery
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 83.7% · Commonwealth Ombudsman, 2024-25
$123.27†a month after the base-tier rebate (24.1%) Two policies: hospital $105.10 + extras $18.17
HCF
Basic Plus$500 excessEmergency ambulance
10 of 38 hospital treatments covered
13 of 27 extras services covered
What the extras pay back
General dental$750 yearly limit shared with other servicesup to $29 back on a check-up
Glasses and contact lenses$180 yearly limit100% back on single vision glasses
Physiotherapy$750 yearly limit shared with other servicesup to $38 back on a first visit
Not covered (25) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 83.7% · Commonwealth Ombudsman, 2024-25
$123.32†a month after the base-tier rebate (24.1%)
AAMI Health Insurance
AAMI Health Insurance
ExtrasAAMI Starter Extras
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
7 of 38 hospital treatments covered
6 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $35.20 back on a check-up
Glasses and contact lenses$150 yearly limit60% back on single vision glasses
Physiotherapy$250 yearly limit shared with chiropractic and osteopathy60% back on a first visit
Not covered (28) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.0% for NIB, the insurer of AAMI Health Insurance · Commonwealth Ombudsman, 2024-25
$124.12†a month after the base-tier rebate (24.1%) Two policies: hospital $97.54 + extras $26.58
Suncorp Health Insurance
Suncorp Health Insurance
ExtrasSuncorp Health Insurance Starter Extras
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
7 of 38 hospital treatments covered
6 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $35.20 back on a check-up
Glasses and contact lenses$150 yearly limit60% back on single vision glasses
Physiotherapy$250 yearly limit shared with other services60% back on a first visit
Not covered (28) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.0% for NIB, the insurer of Suncorp Health Insurance · Commonwealth Ombudsman, 2024-25
$124.12†a month after the base-tier rebate (24.1%) Two policies: hospital $97.54 + extras $26.58
Latrobe Health Services
Latrobe Health Services
ExtrasBasic Extras
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
21 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$500 yearly limitup to $30.50 back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$250 yearly limit shared with other servicesup to $30 back on a first visit
Not covered (14) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 74.6% · Commonwealth Ombudsman, 2024-25
$124.37†a month after the base-tier rebate (24.1%) Two policies: hospital $104.41 + extras $19.96
nib
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess
7 of 38 hospital treatments covered
4 of 27 extras services covered
What the extras pay back
General dental$450 yearly limitup to $35.20 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limit shared with psychology50% back on a first visit
Not covered (28) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.0% · Commonwealth Ombudsman, 2024-25
$124.77†a month after the base-tier rebate (24.1%) Two policies: hospital $97.92 + extras $26.85
Latrobe Health Services
Latrobe Health Services
ExtrasBasic Extras
Bronze$500 excessEmergency ambulanceDiscount for 18 to 29
18 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$500 yearly limitup to $30.50 back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$250 yearly limit shared with other servicesup to $30 back on a first visit
Not covered (17) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dental surgery
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 74.6% · Commonwealth Ombudsman, 2024-25
$124.81†a month after the base-tier rebate (24.1%) Two policies: hospital $104.85 + extras $19.96
Phoenix Health Fund
Bronze$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $500 excess
18 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit100% back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$400 yearly limit shared with 5 other services, smaller limits apply50% back on a first visit
Not covered (17) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dental surgery
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 82.5% · Commonwealth Ombudsman, 2024-25
$124.97†a month after the base-tier rebate (24.1%)
Westfund
Westfund
ExtrasStarter Extras
Bronze$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $500 excess
18 of 38 hospital treatments covered
15 of 27 extras services covered
What the extras pay back
General dental$400 yearly limit shared with root canalup to $28 back on a check-up
Glasses and contact lenses$400 yearly limit shared with other services, smaller limits applyup to $180 back on single vision glasses
Physiotherapy$400 yearly limit shared with other servicesup to $25 back on a first visit
Not covered (17) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dental surgery
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 86.3% · Commonwealth Ombudsman, 2024-25
$125.02†a month after the base-tier rebate (24.1%) Two policies: hospital $100.06 + extras $24.96
HBF
HBF
ExtrasSmart Start Extras
Bronze Plus$750 excessEmergency ambulanceAlso with $250 excess or $500 excess
26 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $24 back on a check-up
Glasses and contact lenses$120 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limit shared with chiropractic and osteopathyup to $39 back on a first visit
Not covered (10) · Restricted (2)
Not covered
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Rehabilitation
Member retention (hospital cover): 88.4% · Commonwealth Ombudsman, 2024-25
$125.99†a month after the base-tier rebate (24.1%) Two policies: hospital $109.17 + extras $16.82
AIA Health Insurance
Bronze$750 excessEmergency ambulanceDiscount for 18 to 29
18 of 38 hospital treatments covered
11 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $29 back on a check-up
Glasses and contact lenses$100 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with 5 other servicesup to $40 back on a first visit
Not covered (17) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dental surgery
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$126.00†a month after the base-tier rebate (24.1%)
Phoenix Health Fund
Bronze Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $500 excess
21 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit100% back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$400 yearly limit shared with 5 other services, smaller limits apply50% back on a first visit
Not covered (14) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 82.5% · Commonwealth Ombudsman, 2024-25
$126.21†a month after the base-tier rebate (24.1%)
AIA Health Insurance
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
6 of 38 hospital treatments covered
11 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit50% back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$250 yearly limit shared with other services50% back on a first visit
Not covered (29) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$127.07†a month after the base-tier rebate (24.1%)
AIA Health Insurance
Bronze$500 excessEmergency ambulanceDiscount for 18 to 29
18 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$300 yearly limitup to $29 back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$200 yearly limit shared with 5 other servicesup to $40 back on a first visit
Not covered (17) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dental surgery
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$127.42†a month after the base-tier rebate (24.1%)
ahm
Bronze$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
18 of 38 hospital treatments covered
13 of 27 extras services covered
What the extras pay back
General dental$650 yearly limit shared with other services, smaller limits applyup to $28.55 back on a check-up
Glasses and contact lenses$180 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limitup to $34 back on a first visit
Not covered (17) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dental surgery
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 85.4% for Medibank, the insurer of ahm · Commonwealth Ombudsman, 2024-25
$128.17†a month after the base-tier rebate (24.1%) Two policies: hospital $94.40 + extras $33.77
Medibank
Medibank
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
Bupa
Bupa
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
Health Partners
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
6 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with major dental and root canal60% back on a check-up
Glasses and contact lenses$200 yearly limit60% back on single vision glasses
Physiotherapynot covered
Not covered (27) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$128.64†a month after the base-tier rebate (24.1%)
AIA Health Insurance
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
6 of 38 hospital treatments covered
13 of 27 extras services covered
What the extras pay back
General dental$700 yearly limit shared with major dental and root canalup to $30 back on a check-up
Glasses and contact lenses$200 yearly limit100% back on single vision glasses
Physiotherapy$350 yearly limit shared with exercise physiologyup to $40 back on a first visit
Not covered (29) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$129.20†a month after the base-tier rebate (24.1%)
Latrobe Health Services
Latrobe Health Services
ExtrasBasic Extras
Bronze Plus$500 excessEmergency ambulanceDiscount for 18 to 29
21 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$500 yearly limitup to $30.50 back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$250 yearly limit shared with other servicesup to $30 back on a first visit
Not covered (14) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 74.6% · Commonwealth Ombudsman, 2024-25
$129.47†a month after the base-tier rebate (24.1%) Two policies: hospital $109.51 + extras $19.96
Frank Health Insurance
Frank Health Insurance
ExtrasFrank Bundables $250
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
24 of 38 hospital treatments covered
13 of 27 extras services covered
What the extras pay back
General dental$250 yearly limit shared with 12 other services, smaller limits apply50% back on a check-up
Glasses and contact lenses$250 yearly limit shared with 12 other services, smaller limits apply50% back on single vision glasses
Physiotherapy$250 yearly limit shared with 12 other services, smaller limits apply50% back on a first visit
Not covered (11) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% for GMHBA, the insurer of Frank Health Insurance · Commonwealth Ombudsman, 2024-25
$129.60†a month after the base-tier rebate (24.1%) Two policies: hospital $117.84 + extras $11.76
nib
Bronze$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
18 of 38 hospital treatments covered
4 of 27 extras services covered
What the extras pay back
General dental$450 yearly limitup to $35.20 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limit shared with psychology50% back on a first visit
Not covered (17) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dental surgery
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.0% · Commonwealth Ombudsman, 2024-25
$129.84†a month after the base-tier rebate (24.1%) Two policies: hospital $102.99 + extras $26.85
Qantas Insurance
Qantas Insurance
ExtrasQantas Starter Extras
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
7 of 38 hospital treatments covered
4 of 27 extras services covered
What the extras pay back
General dental$250 yearly limit (no limit on preventative dental)up to $35.20 back on a check-up
Glasses and contact lenses$150 yearly limit60% back on single vision glasses
Physiotherapy$200 yearly limit60% back on a first visit
Not covered (28) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.0% for NIB, the insurer of Qantas Insurance · Commonwealth Ombudsman, 2024-25
$129.91†a month after the base-tier rebate (24.1%) Two policies: hospital $97.51 + extras $32.40
nib
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
22 of 38 hospital treatments covered
4 of 27 extras services covered
What the extras pay back
General dental$450 yearly limitup to $35.20 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limit shared with psychology50% back on a first visit
Not covered (13) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.0% · Commonwealth Ombudsman, 2024-25
$130.42†a month after the base-tier rebate (24.1%) Two policies: hospital $103.57 + extras $26.85
GMHBA
GMHBA
ExtrasGMHBA SmartCare Starter Boost Extras with sub-limits
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
23 of 38 hospital treatments covered
5 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with 3 other services, smaller limits apply100% back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$500 yearly limit shared with 3 other services, smaller limits apply60% back on a first visit
Not covered (12) · Restricted (3)
Not covered
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25
$130.71†a month after the base-tier rebate (24.1%) Two policies: hospital $108.59 + extras $22.12
Westfund
Westfund
ExtrasStarter Extras
Bronze Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $500 excess
21 of 38 hospital treatments covered
15 of 27 extras services covered
What the extras pay back
General dental$400 yearly limit shared with root canalup to $28 back on a check-up
Glasses and contact lenses$400 yearly limit shared with other services, smaller limits applyup to $180 back on single vision glasses
Physiotherapy$400 yearly limit shared with other servicesup to $25 back on a first visit
Not covered (14) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 86.3% · Commonwealth Ombudsman, 2024-25
$130.81†a month after the base-tier rebate (24.1%) Two policies: hospital $105.85 + extras $24.96
Health Partners
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
15 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with major dental and root canal60% back on a check-up
Glasses and contact lensesnot covered
Physiotherapynot covered
Not covered (27) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$130.84†a month after the base-tier rebate (24.1%)
Queensland Country Health Fund
Queensland Country Health Fund
ExtrasYoung Extras
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
10 of 38 hospital treatments covered
14 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with major dentalup to $42 back on a check-up
Glasses and contact lenses$225 yearly limitup to $225 back on single vision glasses
Physiotherapy$400 yearly limitup to $42 back on a first visit
Not covered (25) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$131.49†a month after the base-tier rebate (24.1%) Two policies: hospital $101.07 + extras $30.42
Queensland Country Health Fund
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
10 of 38 hospital treatments covered
14 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with major dentalup to $42 back on a check-up
Glasses and contact lenses$225 yearly limitup to $225 back on single vision glasses
Physiotherapy$400 yearly limitup to $42 back on a first visit
Not covered (25) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$131.49†a month after the base-tier rebate (24.1%)
Health Partners
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%)
AIA Health Insurance
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%)
Bupa
Bupa
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
AIA Health Insurance
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
22 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$300 yearly limitup to $29 back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$200 yearly limit shared with 5 other servicesup to $40 back on a first visit
Not covered (13) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$131.84†a month after the base-tier rebate (24.1%)
Peoplecare
Basic Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
6 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$800 yearly limit shared with 8 other services60% back on a check-up
Glasses and contact lenses$200 yearly limitup to $200 back on single vision glasses
Physiotherapy$800 yearly limit shared with 8 other services60% back on a first visit
Not covered (29) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25
$131.94†a month after the base-tier rebate (24.1%)
HCF
HCF
ExtrasHCF STARTER EXTRAS (WITH OPTICAL)
Bronze Plus$500 excessEmergency ambulance
25 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$400 yearly limit shared with other servicesup to $29 back on a check-up
Glasses and contact lenses$100 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limitup to $42 back on a first visit
Not covered (11) · Restricted (2)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Rehabilitation
Member retention (hospital cover): 83.7% · Commonwealth Ombudsman, 2024-25
$132.03†a month after the base-tier rebate (24.1%) Two policies: hospital $113.86 + extras $18.17
Medibank
Medibank
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
ahm
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
23 of 38 hospital treatments covered
13 of 27 extras services covered
What the extras pay back
General dental$650 yearly limit shared with other services, smaller limits applyup to $28.55 back on a check-up
Glasses and contact lenses$180 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limitup to $34 back on a first visit
Not covered (12) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 85.4% for Medibank, the insurer of ahm · Commonwealth Ombudsman, 2024-25
$132.87†a month after the base-tier rebate (24.1%) Two policies: hospital $99.10 + extras $33.77
Peoplecare
Bronze Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
24 of 38 hospital treatments covered
11 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit50% back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$300 yearly limit shared with other servicesup to $40 back on a first visit
Not covered (12) · Restricted (2)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Rehabilitation
Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25
$133.78†a month after the base-tier rebate (24.1%)
HIF
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
AIA Health Insurance
AIA Health Insurance
ExtrasBase Set Extras Only
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
6 of 38 hospital treatments covered
11 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $29 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$250 yearly limit shared with other servicesup to $40 back on a first visit
Not covered (29) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$134.38†a month after the base-tier rebate (24.1%) Two policies: hospital $100.29 + extras $34.09
Australian Unity
Australian Unity
ExtrasFocus Extras (FCE)
Basic Plus$750 excessEmergency ambulanceAlso with $500 excess
4 of 38 hospital treatments covered
13 of 27 extras services covered
What the extras pay back
General dental$700 yearly limit shared with major dental and root canal60% back on a check-up
Glasses and contact lenses$200 yearly limit100% back on single vision glasses
Physiotherapy$400 yearly limit shared with exercise physiology60% back on a first visit
Not covered (31) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 81.4% · Commonwealth Ombudsman, 2024-25
$134.39†a month after the base-tier rebate (24.1%) Two policies: hospital $89.43 + extras $44.96
Health Partners
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
6 of 27 extras services covered
What the extras pay back
General dental$1,000 yearly limit, shared with 3 other services60% back on a check-up
Glasses and contact lensesnot covered
Physiotherapynot covered
Not covered (27) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$134.49†a month after the base-tier rebate (24.1%)
Peoplecare
Basic Plus$500 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
6 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$800 yearly limit shared with 8 other services60% back on a check-up
Glasses and contact lenses$200 yearly limitup to $200 back on single vision glasses
Physiotherapy$800 yearly limit shared with 8 other services60% back on a first visit
Not covered (29) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25
$134.68†a month after the base-tier rebate (24.1%)
ING Health Insurance
ING Health Insurance
ExtrasING Essential Extras
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$500 yearly limitup to $35.20 back on a check-up
Glasses and contact lenses$200 yearly limit60% back on single vision glasses
Physiotherapy$300 yearly limit shared with chiropractic and osteopathy60% back on a first visit
Not covered (27) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.0% for NIB, the insurer of ING Health Insurance · Commonwealth Ombudsman, 2024-25
$134.94†a month after the base-tier rebate (24.1%) Two policies: hospital $94.76 + extras $40.18
Queensland Country Health Fund
Queensland Country Health Fund
ExtrasYoung Extras
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
10 of 38 hospital treatments covered
14 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with major dentalup to $42 back on a check-up
Glasses and contact lenses$225 yearly limitup to $225 back on single vision glasses
Physiotherapy$400 yearly limitup to $42 back on a first visit
Not covered (25) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$135.00†a month after the base-tier rebate (24.1%) Two policies: hospital $104.58 + extras $30.42
Queensland Country Health Fund
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
10 of 38 hospital treatments covered
14 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with major dentalup to $42 back on a check-up
Glasses and contact lenses$225 yearly limitup to $225 back on single vision glasses
Physiotherapy$400 yearly limitup to $42 back on a first visit
Not covered (25) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$135.00†a month after the base-tier rebate (24.1%)
Bupa
Bupa
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
HCF
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%)
see-u by HBF
see-u by HBF
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
AIA Health Insurance
Bronze$750 excessEmergency ambulanceDiscount for 18 to 29
18 of 38 hospital treatments covered
11 of 27 extras services covered
What the extras pay back
General dental$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%)
AIA Health Insurance
Bronze Plus$500 excessEmergency ambulanceDiscount for 18 to 29
22 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$300 yearly limitup to $29 back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$200 yearly limit shared with 5 other servicesup to $40 back on a first visit
Not covered (13) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$135.95†a month after the base-tier rebate (24.1%)
AIA Health Insurance
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
22 of 38 hospital treatments covered
11 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $29 back on a check-up
Glasses and contact lenses$100 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with 5 other servicesup to $40 back on a first visit
Not covered (13) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$136.12†a month after the base-tier rebate (24.1%)
Health Partners
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
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%)
Peoplecare
Peoplecare
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
HBF
HBF
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
Health Partners
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with major dental and root canal60% back on a check-up
Glasses and contact lenses$200 yearly limit60% back on single vision glasses
Physiotherapy$400 yearly limit shared with 3 other services60% back on a first visit
Not covered (27) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$137.32†a month after the base-tier rebate (24.1%)
AIA Health Insurance
Bronze$750 excessEmergency ambulanceDiscount for 18 to 29
18 of 38 hospital treatments covered
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%)
Suncorp Health Insurance
Suncorp Health Insurance
ExtrasSuncorp Health Insurance Starter Extras
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
22 of 38 hospital treatments covered
6 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $35.20 back on a check-up
Glasses and contact lenses$150 yearly limit60% back on single vision glasses
Physiotherapy$250 yearly limit shared with other services60% back on a first visit
Not covered (13) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.0% for NIB, the insurer of Suncorp Health Insurance · Commonwealth Ombudsman, 2024-25
$137.79†a month after the base-tier rebate (24.1%) Two policies: hospital $111.21 + extras $26.58
AAMI Health Insurance
AAMI Health Insurance
ExtrasAAMI Starter Extras
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
22 of 38 hospital treatments covered
6 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $35.20 back on a check-up
Glasses and contact lenses$150 yearly limit60% back on single vision glasses
Physiotherapy$250 yearly limit shared with chiropractic and osteopathy60% back on a first visit
Not covered (13) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.0% for NIB, the insurer of AAMI Health Insurance · Commonwealth Ombudsman, 2024-25
$137.85†a month after the base-tier rebate (24.1%) Two policies: hospital $111.27 + extras $26.58
HIF
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
Queensland Country Health Fund
Queensland Country Health Fund
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
Queensland Country Health Fund
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%)
nib
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
22 of 38 hospital treatments covered
4 of 27 extras services covered
What the extras pay back
General dental$450 yearly limitup to $35.20 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limit shared with psychology50% back on a first visit
Not covered (13) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.0% · Commonwealth Ombudsman, 2024-25
$138.16†a month after the base-tier rebate (24.1%) Two policies: hospital $111.31 + extras $26.85
Bupa
Bupa
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
Health Partners
Health Partners
ExtrasBase Extras
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
22 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$350 yearly limit35% back on a check-up
Glasses and contact lenses$100 yearly limit40% back on single vision glasses
Physiotherapy$150 yearly limit shared with 3 other services, smaller limits applyup to $30 back on a first visit
Not covered (13) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$138.63†a month after the base-tier rebate (24.1%) Two policies: hospital $116.37 + extras $22.26
Health Partners
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
22 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$350 yearly limit35% back on a check-up
Glasses and contact lenses$100 yearly limit40% back on single vision glasses
Physiotherapy$150 yearly limit shared with 3 other services, smaller limits applyup to $30 back on a first visit
Not covered (13) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$138.64†a month after the base-tier rebate (24.1%)
Frank Health Insurance
Frank Health Insurance
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
Health Partners
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
19 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with major dental and root canal60% back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$400 yearly limit shared with 3 other services60% back on a first visit
Not covered (27) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$139.29†a month after the base-tier rebate (24.1%)
Health Partners
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
7 of 27 extras services covered
What the extras pay back
General dental$1,000 yearly limit, shared with 3 other services60% back on a check-up
Glasses and contact lenses$200 yearly limit60% back on single vision glasses
Physiotherapynot covered
Not covered (27) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$139.98†a month after the base-tier rebate (24.1%)
AIA Health Insurance
Bronze Plus$500 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
$140.22†a month after the base-tier rebate (24.1%)
RT Health
RT Health
ExtrasValue Extras
Bronze Plus$700 excessEmergency ambulance
27 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 (9) · Restricted (2)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Insulin pumps
- Joint replacements
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Rehabilitation
Member retention (hospital cover): 83.7% for HCF, the insurer of RT Health · Commonwealth Ombudsman, 2024-25
$140.43†a month after the base-tier rebate (24.1%) Two policies: hospital $110.70 + extras $29.73
RT Health
Bronze Plus$700 excessEmergency ambulance
27 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 (9) · Restricted (2)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Insulin pumps
- Joint replacements
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Rehabilitation
Member retention (hospital cover): 83.7% for HCF, the insurer of RT Health · Commonwealth Ombudsman, 2024-25
$140.43†a month after the base-tier rebate (24.1%)
Phoenix Health Fund
Bronze$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $500 excess
18 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 (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
$140.59†a month after the base-tier rebate (24.1%)
AIA Health Insurance
Bronze$500 excessEmergency ambulanceDiscount for 18 to 29
18 of 38 hospital treatments covered
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
$141.15†a month after the base-tier rebate (24.1%)
Queensland Country Health Fund
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
10 of 38 hospital treatments covered
12 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $44 back on a check-up
Glasses and contact lenses$245 yearly limitup to $245 back on single vision glasses
Physiotherapy$500 yearly limitup to $44 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
$141.33†a month after the base-tier rebate (24.1%)
Phoenix Health Fund
Bronze Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $500 excess
21 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 (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
$141.83†a month after the base-tier rebate (24.1%)
Health Partners
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
16 of 27 extras services covered
What the extras pay back
General dental$1,000 yearly limit, shared with 3 other services60% back on a check-up
Glasses and contact lensesnot covered
Physiotherapynot covered
Not covered (27) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$141.91†a month after the base-tier rebate (24.1%)
Peoplecare
Bronze Plus$500 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
$141.96†a month after the base-tier rebate (24.1%)
Health Partners
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$1,000 yearly limit, shared with 3 other services60% back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$400 yearly limit shared with 3 other services60% back on a first visit
Not covered (27) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$142.54†a month after the base-tier rebate (24.1%)
AIA Health Insurance
AIA Health Insurance
ExtrasBase Set Extras Only
Bronze$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
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$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 (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
$142.77†a month after the base-tier rebate (24.1%) Two policies: hospital $108.68 + extras $34.09
Health Partners
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
18 of 27 extras services covered
What the extras pay back
General dental$1,000 yearly limit, shared with major dental and root canal55% back on a check-up
Glasses and contact lenses$200 yearly limit100% back on single vision glasses
Physiotherapy$450 yearly limit shared with 3 other services, smaller limits applyup to $35 back on a first visit
Not covered (27) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$142.97†a month after the base-tier rebate (24.1%)
Queensland Country Health Fund
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
10 of 38 hospital treatments covered
24 of 27 extras services covered
What the extras pay back
General dental$900 yearly limit shared with other services, smaller limits applyup to $39 back on a check-up
Glasses and contact lenses$215 yearly limitup to $215 back on single vision glasses
Physiotherapy$900 yearly limit shared with 14 other services, smaller limits applyup to $39 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
$142.98†a month after the base-tier rebate (24.1%)
AIA Health Insurance
Bronze$500 excessEmergency ambulanceDiscount for 18 to 29
18 of 38 hospital treatments covered
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
$143.27†a month after the base-tier rebate (24.1%)
Real Health Insurance
Real Health Insurance
ExtrasReal Starter Extras
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
7 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$800 yearly limit shared with major dental and root canalup to $35.20 back on a check-up
Glasses and contact lenses$200 yearly limit60% back on single vision glasses
Physiotherapy$300 yearly limit shared with chiropractic and osteopathy60% back on a first visit
Not covered (28) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.0% for NIB, the insurer of Real Health Insurance · Commonwealth Ombudsman, 2024-25
$143.37†a month after the base-tier rebate (24.1%) Two policies: hospital $98.02 + extras $45.35
Peoplecare
Basic Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $500 excess
6 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 (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
$143.39†a month after the base-tier rebate (24.1%)
Qantas Insurance
Qantas Insurance
ExtrasQantas Starter 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$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 (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 Qantas Insurance · Commonwealth Ombudsman, 2024-25
$143.47†a month after the base-tier rebate (24.1%) Two policies: hospital $111.07 + extras $32.40
HCF
HCF
ExtrasHCF STARTER EXTRAS (WITH OPTICAL)
Silver Plus$750 excessEmergency ambulance
29 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 (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): 83.7% · Commonwealth Ombudsman, 2024-25
$144.13†a month after the base-tier rebate (24.1%) Two policies: hospital $125.96 + extras $18.17
Bupa
Bupa
ExtrasExplorer 50 Visitors Cover
Silver Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
28 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 (8) · Restricted (2)
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
- Rehabilitation
Member retention (hospital cover): 86.1% · Commonwealth Ombudsman, 2024-25
$144.25†a month after the base-tier rebate (24.1%) Two policies: hospital $121.26 + extras $22.99
Latrobe Health Services
Latrobe Health Services
ExtrasBasic Extras
Bronze Plus$250 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
$144.29†a month after the base-tier rebate (24.1%) Two policies: hospital $124.33 + extras $19.96
ahm
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
25 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 (10) · Restricted (3)
Not covered
- Assisted reproductive services
- 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
- 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
$144.71†a month after the base-tier rebate (24.1%) Two policies: hospital $110.94 + extras $33.77
Queensland Country Health Fund
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
10 of 38 hospital treatments covered
12 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $44 back on a check-up
Glasses and contact lenses$245 yearly limitup to $245 back on single vision glasses
Physiotherapy$500 yearly limitup to $44 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
$144.84†a month after the base-tier rebate (24.1%)
Peoplecare
Peoplecare
ExtrasSimple Extras
Bronze Plus$500 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
$144.96†a month after the base-tier rebate (24.1%) Two policies: hospital $114.95 + extras $30.01
AIA Health Insurance
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
6 of 38 hospital treatments covered
13 of 27 extras services covered
What the extras pay back
General dental$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 (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
$144.97†a month after the base-tier rebate (24.1%)
Bupa
Bupa
ExtrasExplorer 50 Visitors Cover
Silver Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
29 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 (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): 86.1% · Commonwealth Ombudsman, 2024-25
$145.05†a month after the base-tier rebate (24.1%) Two policies: hospital $122.06 + extras $22.99
Medibank
Medibank
ExtrasEssential Extras 60
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess
28 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 (8) · Restricted (2)
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
- Rehabilitation
Member retention (hospital cover): 85.4% · Commonwealth Ombudsman, 2024-25
$145.35†a month after the base-tier rebate (24.1%) Two policies: hospital $119.63 + extras $25.72
AIA Health Insurance
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
22 of 38 hospital treatments covered
11 of 27 extras services covered
What the extras pay back
General dental$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 (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
$145.57†a month after the base-tier rebate (24.1%)
Queensland Country Health Fund
Queensland Country Health Fund
ExtrasYoung Extras
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
26 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 (11) · Restricted (1)
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
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$146.41†a month after the base-tier rebate (24.1%) Two policies: hospital $115.99 + extras $30.42
Queensland Country Health Fund
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
26 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 (11) · Restricted (1)
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
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$146.41†a month after the base-tier rebate (24.1%)
Queensland Country Health Fund
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
10 of 38 hospital treatments covered
24 of 27 extras services covered
What the extras pay back
General dental$900 yearly limit shared with other services, smaller limits applyup to $39 back on a check-up
Glasses and contact lenses$215 yearly limitup to $215 back on single vision glasses
Physiotherapy$900 yearly limit shared with 14 other services, smaller limits applyup to $39 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
$146.50†a month after the base-tier rebate (24.1%)
AIA Health Insurance
Bronze$750 excessEmergency ambulanceDiscount for 18 to 29
18 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$800 yearly limit shared with 9 other servicesup to $29 back on a check-up
Glasses and contact lenses$800 yearly limit shared with 9 other services, smaller limits applyup to $200 back on single vision glasses
Physiotherapy$800 yearly limit shared with 9 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
$146.92†a month after the base-tier rebate (24.1%)
HIF
Bronze Plus$750 excessEmergency and non-emergency ambulance
25 of 38 hospital treatments covered
15 of 27 extras services covered
What the extras pay back
General dental$600 yearly limit60% back on a check-up
Glasses and contact lenses$200 yearly limit100% back on single vision glasses
Physiotherapy$350 yearly limit shared with other services60% back on a first visit
Not covered (10) · Restricted (3)
Not covered
- Assisted reproductive services
- 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
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 76.2% · Commonwealth Ombudsman, 2024-25
$146.98†a month after the base-tier rebate (24.1%)
Health Partners
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$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 (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
$147.42†a month after the base-tier rebate (24.1%)
AIA Health Insurance
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$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 (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
$147.70†a month after the base-tier rebate (24.1%)
Queensland Country Health Fund
Basic Plus$500 excessEmergency ambulanceDiscount for 18 to 29
10 of 38 hospital treatments covered
12 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $44 back on a check-up
Glasses and contact lenses$245 yearly limitup to $245 back on single vision glasses
Physiotherapy$500 yearly limitup to $44 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
$147.89†a month after the base-tier rebate (24.1%)
Latrobe Health Services
Latrobe Health Services
ExtrasBasic Extras
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29
28 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 (8) · Restricted (2)
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
- Palliative care
Member retention (hospital cover): 74.6% · Commonwealth Ombudsman, 2024-25
$147.90†a month after the base-tier rebate (24.1%) Two policies: hospital $127.94 + extras $19.96
RT Health
RT Health
ExtrasValue Extras
Bronze Plus$350 excessEmergency ambulance
27 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 (9) · Restricted (2)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Insulin pumps
- Joint replacements
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Rehabilitation
Member retention (hospital cover): 83.7% for HCF, the insurer of RT Health · Commonwealth Ombudsman, 2024-25
$147.97†a month after the base-tier rebate (24.1%) Two policies: hospital $118.24 + extras $29.73
RT Health
Bronze Plus$350 excessEmergency ambulance
27 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 (9) · Restricted (2)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Insulin pumps
- Joint replacements
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Rehabilitation
Member retention (hospital cover): 83.7% for HCF, the insurer of RT Health · Commonwealth Ombudsman, 2024-25
$147.97†a month after the base-tier rebate (24.1%)
Health Partners
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
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 (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
$148.13†a month after the base-tier rebate (24.1%)
AIA Health Insurance
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
6 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 (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
$148.30†a month after the base-tier rebate (24.1%)
Peoplecare
Bronze Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
24 of 38 hospital treatments covered
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 (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
$148.36†a month after the base-tier rebate (24.1%)
RT Health
Basic Plus$750 excessEmergency ambulanceAlso with $500 excess
9 of 38 hospital treatments covered
26 of 27 extras services covered
What the extras pay back
General dental$1,000 yearly limitup to $35 back on a check-up
Glasses and contact lenses$250 yearly limit100% back on single vision glasses
Physiotherapy$450 yearly limitup to $50 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
$148.98†a month after the base-tier rebate (24.1%)
Queensland Country Health Fund
Basic Plus$500 excessEmergency ambulanceDiscount for 18 to 29
10 of 38 hospital treatments covered
24 of 27 extras services covered
What the extras pay back
General dental$900 yearly limit shared with other services, smaller limits applyup to $39 back on a check-up
Glasses and contact lenses$215 yearly limitup to $215 back on single vision glasses
Physiotherapy$900 yearly limit shared with 14 other services, smaller limits applyup to $39 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
$149.54†a month after the base-tier rebate (24.1%)
Health Partners
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
22 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 (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
$149.62†a month after the base-tier rebate (24.1%)
AIA Health Insurance
Bronze Plus$500 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$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 (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
$149.68†a month after the base-tier rebate (24.1%)
Australian Unity
Bronze Plus$750 excessEmergency ambulanceAlso with $500 excess
23 of 38 hospital treatments covered
14 of 27 extras services covered
What the extras pay back
General dental$700 yearly limit shared with other services60% back on a check-up
Glasses and contact lenses$200 yearly limit100% back on single vision glasses
Physiotherapy$350 yearly limit shared with exercise physiology60% 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): 81.4% · Commonwealth Ombudsman, 2024-25
$149.94†a month after the base-tier rebate (24.1%)
Health Partners
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
22 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 (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
$150.31†a month after the base-tier rebate (24.1%)
Health Partners
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
17 of 27 extras services covered
What the extras pay back
General dental$1,000 yearly limit, shared with 3 other services60% back on a check-up
Glasses and contact lenses$200 yearly limit60% back on single vision glasses
Physiotherapynot covered
Not covered (27) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$150.73†a month after the base-tier rebate (24.1%)
Westfund
Westfund
ExtrasStarter Extras
Silver Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess
29 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 (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): 86.3% · Commonwealth Ombudsman, 2024-25
$151.03†a month after the base-tier rebate (24.1%) Two policies: hospital $126.07 + extras $24.96
Australian Unity
Australian Unity
ExtrasFocus Extras (FCE)
Bronze Plus$750 excessEmergency ambulanceAlso with $500 excess
21 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 (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): 81.4% · Commonwealth Ombudsman, 2024-25
$151.23†a month after the base-tier rebate (24.1%) Two policies: hospital $106.27 + extras $44.96
Health Partners
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
11 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
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
$151.35†a month after the base-tier rebate (24.1%)
HCF
HCF
ExtrasHCF STARTER EXTRAS (WITH OPTICAL)
Bronze Plus$250 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
$151.56†a month after the base-tier rebate (24.1%) Two policies: hospital $133.39 + extras $18.17
AIA Health Insurance
Bronze Plus$500 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$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 (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
$151.80†a month after the base-tier rebate (24.1%)
Phoenix Health Fund
Silver Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $500 excess
27 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 (8) · Restricted (3)
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
- Palliative care
- Rehabilitation
Member retention (hospital cover): 82.5% · Commonwealth Ombudsman, 2024-25
$151.92†a month after the base-tier rebate (24.1%)
Apia Health Insurance
Apia Health Insurance
ExtrasApia Essential Extras
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
22 of 38 hospital treatments covered
5 of 27 extras services covered
What the extras pay back
General dental$600 yearly limit (no limit on preventative dental)up to $35.20 back on a check-up
Glasses and contact lenses$250 yearly limit60% back on single vision glasses
Physiotherapy$350 yearly limit60% 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 Apia Health Insurance · Commonwealth Ombudsman, 2024-25
$152.11†a month after the base-tier rebate (24.1%) Two policies: hospital $111.07 + extras $41.04
HBF
HBF
ExtrasSmart Start Extras
Silver Plus$750 excessEmergency ambulanceAlso with $250 excess or $500 excess
30 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 (6) · Restricted (2)
Not covered
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Joint replacements
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Rehabilitation
Member retention (hospital cover): 88.4% · Commonwealth Ombudsman, 2024-25
$152.34†a month after the base-tier rebate (24.1%) Two policies: hospital $135.52 + extras $16.82
ING Health Insurance
ING Health Insurance
ExtrasING Essential Extras
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
21 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 (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): 79.0% for NIB, the insurer of ING Health Insurance · Commonwealth Ombudsman, 2024-25
$152.45†a month after the base-tier rebate (24.1%) Two policies: hospital $112.27 + extras $40.18
Bupa
Bupa
ExtrasExplorer 50 Visitors Cover
Bronze Plus$500 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
$152.71†a month after the base-tier rebate (24.1%) Two policies: hospital $129.72 + extras $22.99
AIA Health Insurance
AIA Health Insurance
ExtrasBase Set Extras Only
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
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$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 (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
$152.88†a month after the base-tier rebate (24.1%) Two policies: hospital $118.79 + extras $34.09
Peoplecare
Basic Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
6 of 38 hospital treatments covered
15 of 27 extras services covered
What the extras pay back
General dental$1,000 yearly limit, shared with 13 other services60% back on a check-up
Glasses and contact lenses$200 yearly limitup to $200 back on single vision glasses
Physiotherapy$1,000 yearly limit, shared with 13 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
$153.10†a month after the base-tier rebate (24.1%)
ahm
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
29 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 (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): 85.4% for Medibank, the insurer of ahm · Commonwealth Ombudsman, 2024-25
$153.13†a month after the base-tier rebate (24.1%) Two policies: hospital $119.36 + extras $33.77
Health Partners
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$1,000 yearly limit, shared with 3 other services60% back on a check-up
Glasses and contact lensesnot covered
Physiotherapynot covered
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
$153.27†a month after the base-tier rebate (24.1%)
Health Partners
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
20 of 27 extras services covered
What the extras pay back
General dental$1,000 yearly limit, shared with 3 other services60% back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$400 yearly limit shared with 3 other services60% back on a first visit
Not covered (27) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$153.30†a month after the base-tier rebate (24.1%)
AIA Health Insurance
Bronze$750 excessEmergency ambulanceDiscount for 18 to 29
18 of 38 hospital treatments covered
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 (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
$153.36†a month after the base-tier rebate (24.1%)
ahm
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with no excess
5 of 38 hospital treatments covered
7 of 27 extras services covered
What the extras pay back
General dental$700 yearly limit shared with 5 other servicesup to $30 back on a check-up
Glasses and contact lenses$200 yearly limit100% back on single vision glasses
Physiotherapy$700 yearly limit shared with 5 other servicesup to $37 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
- 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
- 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
$154.19†a month after the base-tier rebate (24.1%)
Bupa
Bupa
ExtrasExplorer 50 Visitors Cover
Bronze Plus$250 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
$154.30†a month after the base-tier rebate (24.1%) Two policies: hospital $131.31 + extras $22.99
GMHBA
GMHBA
ExtrasGMHBA Mid Extras Set Benefits
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
19 of 38 hospital treatments covered
22 of 27 extras services covered
What the extras pay back
General dental$1,500 yearly limit, shared with other services, smaller limits applyup to $36.65 back on a check-up
Glasses and contact lenses$200 yearly limit80% back on single vision glasses
Physiotherapy$400 yearly limit shared with other services, smaller limits applyup to $38 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): 79.9% · Commonwealth Ombudsman, 2024-25
$154.43†a month after the base-tier rebate (24.1%) Two policies: hospital $107.50 + extras $46.93
Seniors Health Insurance
Seniors Health Insurance
ExtrasSeniors Essentials Extras
Bronze Plus$750 excessEmergency 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$800 yearly limit shared with major dental and root canalup to $35.20 back on a check-up
Glasses and contact lenses$200 yearly limit60% back on single vision glasses
Physiotherapy$300 yearly limit shared with chiropractic and osteopathy60% back on a first visit
Not covered (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): 79.0% for NIB, the insurer of Seniors Health Insurance · Commonwealth Ombudsman, 2024-25
$154.71†a month after the base-tier rebate (24.1%) Two policies: hospital $111.34 + extras $43.37
Bupa
Basic PlusNo excessEmergency ambulanceDiscount for 18 to 29
7 of 38 hospital treatments covered
17 of 27 extras services covered
What the extras pay back
General dental$700 yearly limit shared with 3 other servicesup to $26.95 back on a check-up
Glasses and contact lenses$150 yearly limitup to $148.40 back on single vision glasses
Physiotherapy$450 yearly limit shared with 6 other servicesup 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
$154.88†a month after the base-tier rebate (24.1%)
GMHBA
GMHBA
ExtrasGMHBA SmartCare Starter Boost Extras with sub-limits
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29
29 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 (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): 79.9% · Commonwealth Ombudsman, 2024-25
$155.10†a month after the base-tier rebate (24.1%) Two policies: hospital $132.98 + extras $22.12
Health Partners
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
22 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 (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
$155.47†a month after the base-tier rebate (24.1%)
Peoplecare
Basic Plus$500 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
6 of 38 hospital treatments covered
15 of 27 extras services covered
What the extras pay back
General dental$1,000 yearly limit, shared with 13 other services60% back on a check-up
Glasses and contact lenses$200 yearly limitup to $200 back on single vision glasses
Physiotherapy$1,000 yearly limit, shared with 13 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
$155.84†a month after the base-tier rebate (24.1%)
Health Partners
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
22 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 (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
$156.10†a month after the base-tier rebate (24.1%)
ahm
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
21 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 (14) · Restricted (3)
Not covered
- Assisted reproductive services
- Blood
- 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): 85.4% for Medibank, the insurer of ahm · Commonwealth Ombudsman, 2024-25
$156.13†a month after the base-tier rebate (24.1%) Two policies: hospital $122.36 + extras $33.77
Queensland Country Health Fund
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
26 of 38 hospital treatments covered
12 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $44 back on a check-up
Glasses and contact lenses$245 yearly limitup to $245 back on single vision glasses
Physiotherapy$500 yearly limitup to $44 back on a first visit
Not covered (11) · Restricted (1)
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
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$156.26†a month after the base-tier rebate (24.1%)
Peoplecare
Bronze Plus$500 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
24 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 (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
$156.54†a month after the base-tier rebate (24.1%)
Real Health Insurance
Real Health Insurance
ExtrasReal Starter Extras
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
21 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$800 yearly limit shared with major dental and root canalup to $35.20 back on a check-up
Glasses and contact lenses$200 yearly limit60% back on single vision glasses
Physiotherapy$300 yearly limit shared with chiropractic and osteopathy60% back on a first visit
Not covered (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): 79.0% for NIB, the insurer of Real Health Insurance · Commonwealth Ombudsman, 2024-25
$156.66†a month after the base-tier rebate (24.1%) Two policies: hospital $111.31 + extras $45.35
AIA Health Insurance
Bronze$750 excessEmergency ambulanceDiscount for 18 to 29
18 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 (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
$156.68†a month after the base-tier rebate (24.1%)
AIA Health Insurance
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
22 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$800 yearly limit shared with 9 other servicesup to $29 back on a check-up
Glasses and contact lenses$800 yearly limit shared with 9 other services, smaller limits applyup to $200 back on single vision glasses
Physiotherapy$800 yearly limit shared with 9 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
$157.03†a month after the base-tier rebate (24.1%)
nib
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
29 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 (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): 79.0% · Commonwealth Ombudsman, 2024-25
$157.20†a month after the base-tier rebate (24.1%) Two policies: hospital $130.35 + extras $26.85
Bupa
Bupa
ExtrasExplorer 50 Visitors Cover
Silver Plus$500 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
28 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 (8) · Restricted (2)
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
- Rehabilitation
Member retention (hospital cover): 86.1% · Commonwealth Ombudsman, 2024-25
$157.49†a month after the base-tier rebate (24.1%) Two policies: hospital $134.50 + extras $22.99
RT Health
RT Health
ExtrasValue Extras
Silver Plus$750 excessEmergency ambulance
30 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 (7) · Restricted (1)
Not covered
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Insulin pumps
- Joint replacements
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 83.7% for HCF, the insurer of RT Health · Commonwealth Ombudsman, 2024-25
$157.64†a month after the base-tier rebate (24.1%) Two policies: hospital $127.91 + extras $29.73
RT Health
Silver Plus$750 excessEmergency ambulance
30 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 (7) · Restricted (1)
Not covered
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Insulin pumps
- Joint replacements
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 83.7% for HCF, the insurer of RT Health · Commonwealth Ombudsman, 2024-25
$157.64†a month after the base-tier rebate (24.1%)
Queensland Country Health Fund
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
26 of 38 hospital treatments covered
24 of 27 extras services covered
What the extras pay back
General dental$900 yearly limit shared with other services, smaller limits applyup to $39 back on a check-up
Glasses and contact lenses$215 yearly limitup to $215 back on single vision glasses
Physiotherapy$900 yearly limit shared with 14 other services, smaller limits applyup to $39 back on a first visit
Not covered (11) · Restricted (1)
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
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$157.91†a month after the base-tier rebate (24.1%)
Health Partners
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
22 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 (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
$158.07†a month after the base-tier rebate (24.1%)
Latrobe Health Services
Latrobe Health Services
ExtrasBasic Extras
Silver Plus$500 excessEmergency ambulanceDiscount for 18 to 29
28 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 (8) · Restricted (2)
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
- Palliative care
Member retention (hospital cover): 74.6% · Commonwealth Ombudsman, 2024-25
$158.29†a month after the base-tier rebate (24.1%) Two policies: hospital $138.33 + extras $19.96
AIA Health Insurance
Silver$750 excessEmergency 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 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 (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): 84.0% · Commonwealth Ombudsman, 2024-25
$158.35†a month after the base-tier rebate (24.1%)
Health Partners
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
22 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 (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
$158.76†a month after the base-tier rebate (24.1%)
Queensland Country Health Fund
Queensland Country Health Fund
ExtrasYoung Extras
Bronze Plus$500 excessEmergency ambulanceDiscount for 18 to 29
26 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 (11) · Restricted (1)
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
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$158.97†a month after the base-tier rebate (24.1%) Two policies: hospital $128.55 + extras $30.42
Queensland Country Health Fund
Bronze Plus$500 excessEmergency ambulanceDiscount for 18 to 29
26 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 (11) · Restricted (1)
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
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$158.97†a month after the base-tier rebate (24.1%)
HCF
HCF
ExtrasHCF STARTER EXTRAS (WITH OPTICAL)
Silver Plus$500 excessEmergency ambulance
29 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 (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): 83.7% · Commonwealth Ombudsman, 2024-25
$159.01†a month after the base-tier rebate (24.1%) Two policies: hospital $140.84 + extras $18.17
AIA Health Insurance
Bronze$500 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$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 (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
$159.05†a month after the base-tier rebate (24.1%)
AIA Health Insurance
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29
29 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 (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): 84.0% · Commonwealth Ombudsman, 2024-25
$159.46†a month after the base-tier rebate (24.1%)
Peoplecare
Bronze Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
24 of 38 hospital treatments covered
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 (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
$159.81†a month after the base-tier rebate (24.1%)