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
$97.01†a month after the base-tier rebate (24.1%) Two policies: hospital $85.25 + extras $11.76
HBF
HBF
ExtrasSmart Start Extras
Basic Plus$750 excessEmergency ambulanceAlso with $500 excess
5 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $24 back on a check-up
Glasses and contact lenses$120 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limit shared with chiropractic and osteopathyup to $39 back on a first visit
Not covered (30) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% · Commonwealth Ombudsman, 2024-25
$110.73†a month after the base-tier rebate (24.1%) Two policies: hospital $93.48 + extras $17.25
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
$111.59†a month after the base-tier rebate (24.1%)
GMHBA
GMHBA
ExtrasGMHBA SmartCare Starter Boost Extras with sub-limits
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
5 of 38 hospital treatments covered
5 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with 3 other services, smaller limits apply100% back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$500 yearly limit shared with 3 other services, smaller limits apply60% back on a first visit
Not covered (30) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25
$112.50†a month after the base-tier rebate (24.1%) Two policies: hospital $90.38 + extras $22.12
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
$113.87†a month after the base-tier rebate (24.1%) Two policies: hospital $92.07 + extras $21.80
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
$114.04†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
$116.14†a month after the base-tier rebate (24.1%) Two policies: hospital $90.82 + extras $25.32
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
$117.12†a month after the base-tier rebate (24.1%) Two policies: hospital $105.36 + extras $11.76
Bupa
Bupa
ExtrasBudget Extras 60
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
7 of 38 hospital treatments covered
12 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $17.05 back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$350 yearly limit shared with 7 other servicesup to $34.95 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
$117.16†a month after the base-tier rebate (24.1%) Two policies: hospital $94.81 + extras $22.35
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
$117.73†a month after the base-tier rebate (24.1%) Two policies: hospital $105.97 + extras $11.76
AIA Health Insurance
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
6 of 38 hospital treatments covered
11 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $29 back on a check-up
Glasses and contact lenses$100 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with 5 other servicesup to $40 back on a first visit
Not covered (29) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$118.32†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
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
$118.39†a month after the base-tier rebate (24.1%) Two policies: hospital $98.76 + extras $19.63
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
$118.57†a month after the base-tier rebate (24.1%) Two policies: hospital $91.63 + extras $26.94
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
$118.72†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 $22.50 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with chiropractic and osteopathyup to $38.70 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
$119.10†a month after the base-tier rebate (24.1%) Two policies: hospital $94.06 + extras $25.04
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
$119.30†a month after the base-tier rebate (24.1%) Two policies: hospital $102.05 + extras $17.25
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
$119.91†a month after the base-tier rebate (24.1%) Two policies: hospital $99.74 + extras $20.17
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
$120.15†a month after the base-tier rebate (24.1%) Two policies: hospital $102.90 + extras $17.25
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
$120.54†a month after the base-tier rebate (24.1%) Two policies: hospital $95.02 + extras $25.52
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 $17.05 back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$1,000 yearly limit, shared with 14 other services, smaller limits applyup to $34.95 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%)
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
$121.12†a month after the base-tier rebate (24.1%) Two policies: hospital $92.07 + extras $29.05
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
$121.12†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
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
$121.75†a month after the base-tier rebate (24.1%) Two policies: hospital $102.12 + extras $19.63
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
$122.14†a month after the base-tier rebate (24.1%) Two policies: hospital $96.80 + extras $25.34
Latrobe Health Services
Latrobe Health Services
ExtrasBasic Extras
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
10 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$500 yearly limitup to $30.50 back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$250 yearly limit shared with other servicesup to $30 back on a first visit
Not covered (25) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Gastrointestinal endoscopy
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 74.6% · Commonwealth Ombudsman, 2024-25
$122.35†a month after the base-tier rebate (24.1%) Two policies: hospital $102.18 + extras $20.17
Bupa
Bupa
ExtrasBudget Extras 60
Basic Plus$500 excessEmergency ambulanceDiscount for 18 to 29
7 of 38 hospital treatments covered
12 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $17.05 back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$350 yearly limit shared with 7 other servicesup to $34.95 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
$122.44†a month after the base-tier rebate (24.1%) Two policies: hospital $100.09 + extras $22.35
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
$122.93†a month after the base-tier rebate (24.1%) Two policies: hospital $91.97 + extras $30.96
Bupa
Bupa
ExtrasBudget Extras 60
Bronze$750 excessEmergency ambulanceDiscount for 18 to 29
18 of 38 hospital treatments covered
12 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $17.05 back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$350 yearly limit shared with 7 other servicesup to $34.95 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
$123.16†a month after the base-tier rebate (24.1%) Two policies: hospital $100.81 + extras $22.35
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
$123.33†a month after the base-tier rebate (24.1%) Two policies: hospital $103.16 + extras $20.17
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
$123.99†a month after the base-tier rebate (24.1%) Two policies: hospital $98.47 + extras $25.52
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
$123.99†a month after the base-tier rebate (24.1%) Two policies: hospital $98.47 + extras $25.52
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
$124.23†a month after the base-tier rebate (24.1%) Two policies: hospital $102.43 + extras $21.80
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
$124.48†a month after the base-tier rebate (24.1%)
Latrobe Health Services
Latrobe Health Services
ExtrasBasic Extras
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
12 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$500 yearly limitup to $30.50 back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$250 yearly limit shared with other servicesup to $30 back on a first visit
Not covered (23) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 74.6% · Commonwealth Ombudsman, 2024-25
$124.58†a month after the base-tier rebate (24.1%) Two policies: hospital $104.41 + extras $20.17
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
$125.54†a month after the base-tier rebate (24.1%) Two policies: hospital $103.28 + 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
$125.55†a month after the base-tier rebate (24.1%)
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
$126.37†a month after the base-tier rebate (24.1%) Two policies: hospital $106.20 + extras $20.17
Medibank
Medibank
ExtrasEssential Extras 60
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess
24 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $22.50 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with chiropractic and osteopathyup to $38.70 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
$127.10†a month after the base-tier rebate (24.1%) Two policies: hospital $102.06 + extras $25.04
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
$127.48†a month after the base-tier rebate (24.1%) Two policies: hospital $97.47 + extras $30.01
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
$127.77†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
$128.33†a month after the base-tier rebate (24.1%) Two policies: hospital $108.70 + extras $19.63
Bupa
Bupa
ExtrasBudget Extras 60
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
23 of 38 hospital treatments covered
12 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $17.05 back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$350 yearly limit shared with 7 other servicesup to $34.95 back on a first visit
Not covered (12) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 86.1% · Commonwealth Ombudsman, 2024-25
$128.81†a month after the base-tier rebate (24.1%) Two policies: hospital $106.46 + extras $22.35
Bupa
Bupa
ExtrasBudget Extras 60
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
24 of 38 hospital treatments covered
12 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $17.05 back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$350 yearly limit shared with 7 other servicesup to $34.95 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
$128.89†a month after the base-tier rebate (24.1%) Two policies: hospital $106.54 + extras $22.35
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
$128.92†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
$129.80†a month after the base-tier rebate (24.1%) Two policies: hospital $101.07 + extras $28.73
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
$129.80†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
$129.89†a month after the base-tier rebate (24.1%)
AIA Health Insurance
Bronze$750 excessEmergency ambulanceDiscount for 18 to 29
18 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$300 yearly limitup to $29 back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$200 yearly limit shared with 5 other servicesup to $40 back on a first visit
Not covered (17) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dental surgery
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$130.07†a month after the base-tier rebate (24.1%)
Qantas Insurance
Qantas Insurance
ExtrasQantas Starter Extras
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
7 of 38 hospital treatments covered
4 of 27 extras services covered
What the extras pay back
General dental$250 yearly limit (no limit on preventative dental)up to $35.20 back on a check-up
Glasses and contact lenses$150 yearly limit60% back on single vision glasses
Physiotherapy$200 yearly limit60% back on a first visit
Not covered (28) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.0% for NIB, the insurer of Qantas Insurance · Commonwealth Ombudsman, 2024-25
$130.80†a month after the base-tier rebate (24.1%) Two policies: hospital $98.40 + extras $32.40
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
$130.87†a month after the base-tier rebate (24.1%) Two policies: hospital $105.55 + extras $25.32
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
$130.94†a month after the base-tier rebate (24.1%) Two policies: hospital $113.69 + extras $17.25
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
$131.28†a month after the base-tier rebate (24.1%) Two policies: hospital $100.32 + extras $30.96
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
$132.73†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
$133.05†a month after the base-tier rebate (24.1%) Two policies: hospital $112.88 + extras $20.17
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 $22.50 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with chiropractic and osteopathyup to $38.70 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
$133.10†a month after the base-tier rebate (24.1%) Two policies: hospital $108.06 + extras $25.04
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
$133.20†a month after the base-tier rebate (24.1%) Two policies: hospital $111.40 + extras $21.80
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
$133.31†a month after the base-tier rebate (24.1%) Two policies: hospital $104.58 + extras $28.73
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
$133.31†a month after the base-tier rebate (24.1%)
nib
Bronze$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
18 of 38 hospital treatments covered
4 of 27 extras services covered
What the extras pay back
General dental$450 yearly limitup to $35.20 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limit shared with psychology50% back on a first visit
Not covered (17) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dental surgery
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.0% · Commonwealth Ombudsman, 2024-25
$133.58†a month after the base-tier rebate (24.1%) Two policies: hospital $108.06 + extras $25.52
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
$133.93†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
$133.95†a month after the base-tier rebate (24.1%)
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
$134.11†a month after the base-tier rebate (24.1%) Two policies: hospital $112.31 + extras $21.80
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
$134.33†a month after the base-tier rebate (24.1%)
AIA Health Insurance
Bronze$750 excessEmergency ambulanceDiscount for 18 to 29
18 of 38 hospital treatments covered
11 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $29 back on a check-up
Glasses and contact lenses$100 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with 5 other servicesup to $40 back on a first visit
Not covered (17) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dental surgery
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$134.34†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
$134.73†a month after the base-tier rebate (24.1%) Two policies: hospital $107.79 + extras $26.94
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
$135.08†a month after the base-tier rebate (24.1%) Two policies: hospital $100.99 + extras $34.09
Bupa
Bupa
ExtrasBudget Extras 60
Bronze$500 excessEmergency ambulanceDiscount for 18 to 29
18 of 38 hospital treatments covered
12 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $17.05 back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$350 yearly limit shared with 7 other servicesup to $34.95 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
$135.22†a month after the base-tier rebate (24.1%) Two policies: hospital $112.87 + extras $22.35
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
$135.26†a month after the base-tier rebate (24.1%)
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
$136.35†a month after the base-tier rebate (24.1%) Two policies: hospital $107.62 + extras $28.73
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
$136.35†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
$136.39†a month after the base-tier rebate (24.1%) Two policies: hospital $111.05 + extras $25.34
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
$136.46†a month after the base-tier rebate (24.1%) Two policies: hospital $97.27 + extras $39.19
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
$136.53†a month after the base-tier rebate (24.1%)
nib
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
22 of 38 hospital treatments covered
4 of 27 extras services covered
What the extras pay back
General dental$450 yearly limitup to $35.20 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limit shared with psychology50% back on a first visit
Not covered (13) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.0% · Commonwealth Ombudsman, 2024-25
$136.74†a month after the base-tier rebate (24.1%) Two policies: hospital $111.22 + extras $25.52
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
$136.81†a month after the base-tier rebate (24.1%) Two policies: hospital $125.05 + extras $11.76
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
$137.22†a month after the base-tier rebate (24.1%)
ahm
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
23 of 38 hospital treatments covered
13 of 27 extras services covered
What the extras pay back
General dental$650 yearly limit shared with other services, smaller limits applyup to $28.55 back on a check-up
Glasses and contact lenses$180 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limitup to $34 back on a first visit
Not covered (12) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 85.4% for Medibank, the insurer of ahm · Commonwealth Ombudsman, 2024-25
$137.23†a month after the base-tier rebate (24.1%) Two policies: hospital $106.27 + extras $30.96
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
$138.20†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
$138.26†a month after the base-tier rebate (24.1%) Two policies: hospital $108.25 + extras $30.01
HCi
Bronze Plus$750 excessNo ambulance cover
22 of 38 hospital treatments covered
7 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $33 back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$175 yearly limit shared with exercise physiologyup to $30 back on a first visit
Not covered (14) · Restricted (2)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Rehabilitation
Member retention (hospital cover): 81.3% · Commonwealth Ombudsman, 2024-25
$138.82†a month after the base-tier rebate (24.1%)
Peoplecare
Basic Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
6 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$800 yearly limit shared with 8 other services60% back on a check-up
Glasses and contact lenses$200 yearly limitup to $200 back on single vision glasses
Physiotherapy$800 yearly limit shared with 8 other services60% back on a first visit
Not covered (29) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25
$139.05†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
$139.09†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
$139.55†a month after the base-tier rebate (24.1%) Two policies: hospital $114.03 + extras $25.52
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
$139.66†a month after the base-tier rebate (24.1%) Two policies: hospital $91.89 + extras $47.77
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 $22.50 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with chiropractic and osteopathyup to $38.70 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
$139.77†a month after the base-tier rebate (24.1%) Two policies: hospital $114.73 + extras $25.04
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
$139.81†a month after the base-tier rebate (24.1%)
AAMI Health Insurance
AAMI Health Insurance
ExtrasAAMI Starter Extras
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
22 of 38 hospital treatments covered
6 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $35.20 back on a check-up
Glasses and contact lenses$150 yearly limit60% back on single vision glasses
Physiotherapy$250 yearly limit shared with chiropractic and osteopathy60% back on a first visit
Not covered (13) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.0% for NIB, the insurer of AAMI Health Insurance · Commonwealth Ombudsman, 2024-25
$139.85†a month after the base-tier rebate (24.1%) Two policies: hospital $114.33 + extras $25.52
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
$140.18†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
$140.53†a month after the base-tier rebate (24.1%) Two policies: hospital $98.40 + extras $42.13
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
$140.85†a month after the base-tier rebate (24.1%)
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
$140.99†a month after the base-tier rebate (24.1%) Two policies: hospital $118.87 + extras $22.12
Bupa
Bupa
ExtrasBudget Extras 60
Bronze Plus$500 excessEmergency ambulanceDiscount for 18 to 29
23 of 38 hospital treatments covered
12 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $17.05 back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$350 yearly limit shared with 7 other servicesup to $34.95 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
$141.11†a month after the base-tier rebate (24.1%) Two policies: hospital $118.76 + extras $22.35
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
$141.23†a month after the base-tier rebate (24.1%) Two policies: hospital $115.91 + extras $25.32
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
$141.64†a month after the base-tier rebate (24.1%)
Bupa
Bupa
ExtrasBudget Extras 60
Bronze Plus$500 excessEmergency ambulanceDiscount for 18 to 29
24 of 38 hospital treatments covered
12 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $17.05 back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$350 yearly limit shared with 7 other servicesup to $34.95 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
$141.75†a month after the base-tier rebate (24.1%) Two policies: hospital $119.40 + extras $22.35
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
$141.90†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
$142.21†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
$142.38†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
- 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
$142.61†a month after the base-tier rebate (24.1%)
Health Partners
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with major dental and root canal60% back on a check-up
Glasses and contact lenses$200 yearly limit60% back on single vision glasses
Physiotherapy$400 yearly limit shared with 3 other services60% back on a first visit
Not covered (27) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$143.01†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
$143.19†a month after the base-tier rebate (24.1%) Two policies: hospital $131.43 + extras $11.76
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
$143.31†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
$143.48†a month after the base-tier rebate (24.1%) Two policies: hospital $123.85 + 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
$143.80†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
$143.96†a month after the base-tier rebate (24.1%) Two policies: hospital $122.16 + extras $21.80
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
$144.08†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
$144.37†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
$144.49†a month after the base-tier rebate (24.1%) Two policies: hospital $115.44 + extras $29.05
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
$144.49†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
$144.64†a month after the base-tier rebate (24.1%) Two policies: hospital $114.63 + extras $30.01
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
$144.64†a month after the base-tier rebate (24.1%) Two policies: hospital $112.24 + extras $32.40
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
$144.72†a month after the base-tier rebate (24.1%) Two policies: hospital $115.99 + extras $28.73
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
$144.72†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
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
$144.98†a month after the base-tier rebate (24.1%)
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
$145.24†a month after the base-tier rebate (24.1%) Two policies: hospital $118.30 + extras $26.94
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
$145.65†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
$145.67†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$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
$145.67†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
$145.92†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
$146.48†a month after the base-tier rebate (24.1%)
Health Partners
Health Partners
ExtrasBase Extras
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
22 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$350 yearly limit35% back on a check-up
Glasses and contact lenses$100 yearly limit40% back on single vision glasses
Physiotherapy$150 yearly limit shared with 3 other services, smaller limits applyup to $30 back on a first visit
Not covered (13) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$146.78†a month after the base-tier rebate (24.1%) Two policies: hospital $124.52 + 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
$146.79†a month after the base-tier rebate (24.1%)
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
$146.88†a month after the base-tier rebate (24.1%) Two policies: hospital $126.71 + extras $20.17
Bupa
Bupa
ExtrasBudget Extras 60
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$350 yearly limitup to $17.05 back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$350 yearly limit shared with 7 other servicesup to $34.95 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
$147.14†a month after the base-tier rebate (24.1%) Two policies: hospital $124.79 + extras $22.35
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
$147.41†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
$147.52†a month after the base-tier rebate (24.1%) Two policies: hospital $127.35 + extras $20.17
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
$147.55†a month after the base-tier rebate (24.1%) Two policies: hospital $130.30 + extras $17.25
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
$147.61†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$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
$147.66†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
$148.24†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
$148.34†a month after the base-tier rebate (24.1%)
Hunter Health Insurance
Bronze Plus$500 excessNo ambulance cover
23 of 38 hospital treatments covered
12 of 27 extras services covered
What the extras pay back
General dental$400 yearly limit, 2 visits a yearup to $22 back on a check-up
Glasses and contact lenseslimited to 1 pair a yearup to $145 back on single vision glasses
Physiotherapy$600 yearly limit shared with 8 other servicesup to $36 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
- 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): 89.5% for CDH, the insurer of Hunter Health Insurance · Commonwealth Ombudsman, 2024-25
$148.66†a month after the base-tier rebate (24.1%)
Health Partners
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
18 of 27 extras services covered
What the extras pay back
General dental$1,000 yearly limit, shared with major dental and root canal55% back on a check-up
Glasses and contact lenses$200 yearly limit100% back on single vision glasses
Physiotherapy$450 yearly limit shared with 3 other services, smaller limits applyup to $35 back on a first visit
Not covered (27) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$148.66†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
$148.99†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
$149.56†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
$149.64†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
$149.78†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
$149.84†a month after the base-tier rebate (24.1%)
Bupa
Bupa
ExtrasBudget Extras 60
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29
28 of 38 hospital treatments covered
12 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $17.05 back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$350 yearly limit shared with 7 other servicesup to $34.95 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
$150.14†a month after the base-tier rebate (24.1%) Two policies: hospital $127.79 + extras $22.35
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
$150.50†a month after the base-tier rebate (24.1%)
HCi
Bronze Plus$750 excessNo ambulance cover
22 of 38 hospital treatments covered
12 of 27 extras services covered
What the extras pay back
General dental$500 yearly limitup to $33 back on a check-up
Glasses and contact lenses$220 yearly limitup to $220 back on single vision glasses
Physiotherapy$400 yearly limit shared with exercise physiologyup to $45 back on a first visit
Not covered (14) · Restricted (2)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Rehabilitation
Member retention (hospital cover): 81.3% · Commonwealth Ombudsman, 2024-25
$150.80†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
$150.82†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
$151.11†a month after the base-tier rebate (24.1%) Two policies: hospital $117.02 + extras $34.09
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
$151.37†a month after the base-tier rebate (24.1%) Two policies: hospital $112.18 + extras $39.19
Bupa
Bupa
ExtrasBudget Extras 60
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29
29 of 38 hospital treatments covered
12 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $17.05 back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$350 yearly limit shared with 7 other servicesup to $34.95 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
$151.50†a month after the base-tier rebate (24.1%) Two policies: hospital $129.15 + extras $22.35
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
$151.97†a month after the base-tier rebate (24.1%) Two policies: hospital $112.24 + extras $39.73
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
$152.08†a month after the base-tier rebate (24.1%) Two policies: hospital $126.76 + extras $25.32
Hunter Health Insurance
Bronze PlusNo excessNo ambulance cover
26 of 38 hospital treatments covered
12 of 27 extras services covered
What the extras pay back
General dental$400 yearly limit, 2 visits a yearup to $22 back on a check-up
Glasses and contact lenseslimited to 1 pair a yearup to $145 back on single vision glasses
Physiotherapy$600 yearly limit shared with 8 other servicesup to $36 back on a first visit
Not covered (9) · Restricted (3)
Not covered
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Joint replacements
- Lung and chest
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 89.5% for CDH, the insurer of Hunter Health Insurance · Commonwealth Ombudsman, 2024-25
$152.23†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
$153.15†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
$153.54†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
$153.82†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
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
$154.02†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
$154.17†a month after the base-tier rebate (24.1%) Two policies: hospital $112.04 + extras $42.13
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
$154.54†a month after the base-tier rebate (24.1%) Two policies: hospital $112.24 + extras $42.30
Bupa
Bupa
ExtrasBudget Extras 60
Bronze Plus$500 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$350 yearly limitup to $17.05 back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$350 yearly limit shared with 7 other servicesup to $34.95 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
$154.57†a month after the base-tier rebate (24.1%) Two policies: hospital $132.22 + extras $22.35
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
$154.97†a month after the base-tier rebate (24.1%) Two policies: hospital $120.88 + extras $34.09
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
$155.25†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
$155.57†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
$155.66†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
$155.78†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
$155.94†a month after the base-tier rebate (24.1%)
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 $22.50 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with chiropractic and osteopathyup to $38.70 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
$156.01†a month after the base-tier rebate (24.1%) Two policies: hospital $130.97 + extras $25.04
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
$156.22†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
$156.39†a month after the base-tier rebate (24.1%) Two policies: hospital $134.27 + extras $22.12
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
$156.42†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
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
$157.05†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
$157.28†a month after the base-tier rebate (24.1%) Two policies: hospital $128.55 + extras $28.73
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
$157.28†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
$157.77†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
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
$158.06†a month after the base-tier rebate (24.1%)
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
$158.08†a month after the base-tier rebate (24.1%) Two policies: hospital $136.28 + extras $21.80
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
$158.10†a month after the base-tier rebate (24.1%) Two policies: hospital $127.14 + extras $30.96
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
$158.14†a month after the base-tier rebate (24.1%) Two policies: hospital $127.18 + extras $30.96
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
$158.46†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
$158.75†a month after the base-tier rebate (24.1%) Two policies: hospital $127.79 + extras $30.96
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
$158.84†a month after the base-tier rebate (24.1%)
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
$158.85†a month after the base-tier rebate (24.1%) Two policies: hospital $129.80 + extras $29.05
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
$158.87†a month after the base-tier rebate (24.1%) Two policies: hospital $141.62 + extras $17.25
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
$158.99†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
$159.12†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
$159.66†a month after the base-tier rebate (24.1%)
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 $17.05 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 $34.95 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
$159.81†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
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
$160.22†a month after the base-tier rebate (24.1%)
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
$160.51†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
$160.69†a month after the base-tier rebate (24.1%)
Bupa
Bupa
ExtrasBudget Extras 60
Bronze Plus$250 excessEmergency ambulanceDiscount for 18 to 29
23 of 38 hospital treatments covered
12 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $17.05 back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$350 yearly limit shared with 7 other servicesup to $34.95 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
$160.83†a month after the base-tier rebate (24.1%) Two policies: hospital $138.48 + extras $22.35
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
$161.08†a month after the base-tier rebate (24.1%) Two policies: hospital $140.91 + extras $20.17
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
$161.29†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$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
$161.42†a month after the base-tier rebate (24.1%)
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
$161.56†a month after the base-tier rebate (24.1%) Two policies: hospital $113.79 + extras $47.77
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
$161.70†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
$161.81†a month after the base-tier rebate (24.1%) Two policies: hospital $136.29 + extras $25.52
GMHBA
GMHBA
ExtrasGMHBA SmartCare Starter Boost Extras with sub-limits
Silver Plus$500 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
$162.88†a month after the base-tier rebate (24.1%) Two policies: hospital $140.76 + extras $22.12
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
$163.06†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
$163.13†a month after the base-tier rebate (24.1%)
Queensland Country Health Fund
Queensland Country Health Fund
ExtrasYoung Extras
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29
29 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 (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% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$163.19†a month after the base-tier rebate (24.1%) Two policies: hospital $134.46 + extras $28.73
Queensland Country Health Fund
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29
29 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 (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% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$163.19†a month after the base-tier rebate (24.1%)
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
$163.40†a month after the base-tier rebate (24.1%) Two policies: hospital $117.68 + extras $45.72
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
$163.62†a month after the base-tier rebate (24.1%)
Bupa
Bupa
ExtrasBudget Extras 60
Silver Plus$500 excessEmergency ambulanceDiscount for 18 to 29
28 of 38 hospital treatments covered
12 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $17.05 back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$350 yearly limit shared with 7 other servicesup to $34.95 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
$163.72†a month after the base-tier rebate (24.1%) Two policies: hospital $141.37 + extras $22.35
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
$163.97†a month after the base-tier rebate (24.1%) Two policies: hospital $142.17 + extras $21.80
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
$164.25†a month after the base-tier rebate (24.1%)
AIA Health Insurance
Silver$750 excessEmergency ambulanceDiscount for 18 to 29
26 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 (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
$164.78†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
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 (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
$164.96†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
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
$165.02†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$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 (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
$165.56†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
$166.22†a month after the base-tier rebate (24.1%)
Queensland Country Health Fund
Bronze Plus$500 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
$166.58†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
$166.91†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
21 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
$167.60†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
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
$167.67†a month after the base-tier rebate (24.1%)
Queensland Country Health Fund
Bronze Plus$500 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
$168.34†a month after the base-tier rebate (24.1%)
Peoplecare
Silver Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
29 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 (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
$168.36†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
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 (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
$168.85†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
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 (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
$168.88†a month after the base-tier rebate (24.1%)
nib
Silver$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
28 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 (9) · Restricted (1)
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
Member retention (hospital cover): 79.0% · Commonwealth Ombudsman, 2024-25
$168.90†a month after the base-tier rebate (24.1%) Two policies: hospital $143.38 + extras $25.52
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$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 (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
$169.47†a month after the base-tier rebate (24.1%)
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
$169.49†a month after the base-tier rebate (24.1%) Two policies: hospital $140.44 + extras $29.05
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
$169.49†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
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 (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
$169.90†a month after the base-tier rebate (24.1%)
St Lukes
St Lukes
ExtrasBudget Extras
Bronze Plus$750 excessNo ambulance cover
24 of 38 hospital treatments covered
5 of 27 extras services covered
What the extras pay back
General dental$500 yearly limitup to $33 back on a check-up
Glasses and contact lenses$200 yearly limitup to $200 back on single vision glasses
Physiotherapy$500 yearly limit shared with acupuncture and remedial massage, smaller limits applyup to $45 back on a first visit
Not covered (13) · Restricted (1)
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
Member retention (hospital cover): 87.9% · Commonwealth Ombudsman, 2024-25
$170.81†a month after the base-tier rebate (24.1%) Two policies: hospital $135.30 + extras $35.51
Peoplecare
Bronze Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
24 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 (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
$171.00†a month after the base-tier rebate (24.1%)
Peoplecare
Peoplecare
ExtrasSimple Extras
Silver Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
29 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 (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
$171.36†a month after the base-tier rebate (24.1%) Two policies: hospital $141.35 + extras $30.01
Bupa
Bupa
ExtrasBudget Extras 60
Silver Plus$500 excessEmergency ambulanceDiscount for 18 to 29
29 of 38 hospital treatments covered
12 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $17.05 back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$350 yearly limit shared with 7 other servicesup to $34.95 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
$171.38†a month after the base-tier rebate (24.1%) Two policies: hospital $149.03 + extras $22.35
Suncorp Health Insurance
Suncorp Health Insurance
ExtrasSuncorp Health Insurance Starter Extras
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
31 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 (6) · Restricted (1)
Not covered
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Joint replacements
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 79.0% for NIB, the insurer of Suncorp Health Insurance · Commonwealth Ombudsman, 2024-25
$171.39†a month after the base-tier rebate (24.1%) Two policies: hospital $146.05 + extras $25.34
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
$171.44†a month after the base-tier rebate (24.1%)
AIA Health Insurance
Silver$500 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
$171.80†a month after the base-tier rebate (24.1%)
Hunter Health Insurance
Bronze Plus$500 excessNo ambulance cover
23 of 38 hospital treatments covered
20 of 27 extras services covered
What the extras pay back
General dental$750 yearly limitup to $24 back on a check-up
Glasses and contact lensesyearly limit in Details100% back on single vision glasses
Physiotherapy$300 yearly limit shared with 4 other servicesup to $36 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
- 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): 89.5% for CDH, the insurer of Hunter Health Insurance · Commonwealth Ombudsman, 2024-25
$171.87†a month after the base-tier rebate (24.1%)
Hunter Health Insurance
Hunter Health Insurance
ExtrasHealthy Extras Cover (Single)
Bronze Plus$500 excessNo ambulance cover
23 of 38 hospital treatments covered
20 of 27 extras services covered
What the extras pay back
General dental$750 yearly limitup to $24 back on a check-up
Glasses and contact lensesyearly limit in Details100% back on single vision glasses
Physiotherapy$300 yearly limit shared with 4 other servicesup to $36 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
- 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): 89.5% for CDH, the insurer of Hunter Health Insurance · Commonwealth Ombudsman, 2024-25
$171.87†a month after the base-tier rebate (24.1%) Two policies: hospital $117.64 + extras $54.23
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
$172.00†a month after the base-tier rebate (24.1%) Two policies: hospital $150.20 + extras $21.80
Medibank
Medibank
ExtrasEssential Extras 60
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess
31 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $22.50 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with chiropractic and osteopathyup to $38.70 back on a first visit
Not covered (6) · Restricted (1)
Not covered
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Joint replacements
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 85.4% · Commonwealth Ombudsman, 2024-25
$172.06†a month after the base-tier rebate (24.1%) Two policies: hospital $147.02 + extras $25.04
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$900 yearly limit shared with 10 other servicesup to $30 back on a check-up
Glasses and contact lenses$900 yearly limit shared with 10 other services, smaller limits applyup to $250 back on single vision glasses
Physiotherapy$900 yearly limit shared with 10 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
$172.35†a month after the base-tier rebate (24.1%)
Queensland Country Health Fund
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29
29 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 (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% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$172.49†a month after the base-tier rebate (24.1%)
Queensland Country Health Fund
Queensland Country Health Fund
ExtrasYoung Extras
Bronze Plus$250 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
$172.53†a month after the base-tier rebate (24.1%) Two policies: hospital $143.80 + extras $28.73
Queensland Country Health Fund
Bronze Plus$250 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
$172.53†a month after the base-tier rebate (24.1%)
AAMI Health Insurance
AAMI Health Insurance
ExtrasAAMI Starter Extras
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
31 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 (6) · Restricted (1)
Not covered
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Joint replacements
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 79.0% for NIB, the insurer of AAMI Health Insurance · Commonwealth Ombudsman, 2024-25
$173.08†a month after the base-tier rebate (24.1%) Two policies: hospital $147.56 + extras $25.52
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$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 (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
$173.84†a month after the base-tier rebate (24.1%)
AIA Health Insurance
Silver$750 excessEmergency ambulanceDiscount for 18 to 29
26 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 (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
$174.23†a month after the base-tier rebate (24.1%)
Queensland Country Health Fund
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29
29 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 (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% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$174.25†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
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 (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
$174.41†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
27 of 27 extras services covered
What the extras pay back
General dental$1,400 yearly limit, shared with other services, smaller limits applyup to $54 back on a check-up
Glasses and contact lenses$300 yearly limitup to $300 back on single vision glasses
Physiotherapy$1,400 yearly limit, shared with 14 other services, smaller limits applyup to $55 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
$174.67†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
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
$174.76†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
24 of 27 extras services covered
What the extras pay back
General dentalno yearly limit65% back on a check-up
Glasses and contact lenses$250 yearly limit100% back on single vision glasses
Physiotherapy$600 yearly limit shared with 3 other services, smaller limits applyup to $40 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
$175.00†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
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 (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
$175.06†a month after the base-tier rebate (24.1%)
HIF
Silver Plus$750 excessEmergency and non-emergency ambulanceAlso with $200 excess or $500 excess
29 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 (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): 76.2% · Commonwealth Ombudsman, 2024-25
$175.52†a month after the base-tier rebate (24.1%) Two policies: hospital $148.58 + extras $26.94
Hunter Health Insurance
Silver Plus$500 excessNo ambulance coverAlso with $250 excess
30 of 38 hospital treatments covered
12 of 27 extras services covered
What the extras pay back
General dental$400 yearly limit, 2 visits a yearup to $22 back on a check-up
Glasses and contact lenseslimited to 1 pair a yearup to $145 back on single vision glasses
Physiotherapy$600 yearly limit shared with 8 other servicesup to $36 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
- Palliative care
Member retention (hospital cover): 89.5% for CDH, the insurer of Hunter Health Insurance · Commonwealth Ombudsman, 2024-25
$176.03†a month after the base-tier rebate (24.1%)
Health Partners
Health Partners
ExtrasBase Extras
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
30 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 (7) · Restricted (1)
Not covered
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Joint replacements
- Pain management with device
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$176.08†a month after the base-tier rebate (24.1%) Two policies: hospital $153.82 + extras $22.26
Health Partners
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
30 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 (7) · Restricted (1)
Not covered
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Joint replacements
- Pain management with device
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$176.08†a month after the base-tier rebate (24.1%)
AIA Health Insurance
Silver$500 excessEmergency ambulanceDiscount for 18 to 29
26 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 (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
$176.08†a month after the base-tier rebate (24.1%)
AIA Health Insurance
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$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 (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
$176.36†a month after the base-tier rebate (24.1%)