HBF
HBF
ExtrasSmart Start Extras
BasicAccident only$750 excessEmergency ambulance
0 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $24 back on a check-up
Glasses and contact lenses$120 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limit shared with chiropractic and osteopathyup to $39 back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% · Commonwealth Ombudsman, 2024-25
$88.99†a month after the base-tier rebate (24.1%) Two policies: hospital $76.20 + extras $12.79
Frank Health Insurance
Frank Health Insurance
ExtrasFrank Bundables $250
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29
0 of 38 hospital treatments covered
13 of 27 extras services covered
What the extras pay back
General dental$250 yearly limit shared with 12 other services, smaller limits apply50% back on a check-up
Glasses and contact lenses$250 yearly limit shared with 12 other services, smaller limits apply50% back on single vision glasses
Physiotherapy$250 yearly limit shared with 12 other services, smaller limits apply50% back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% for GMHBA, the insurer of Frank Health Insurance · Commonwealth Ombudsman, 2024-25
$91.40†a month after the base-tier rebate (24.1%) Two policies: hospital $79.64 + extras $11.76
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
$95.84†a month after the base-tier rebate (24.1%) Two policies: hospital $84.08 + extras $11.76
Australian Unity
Basic Plus$750 excessEmergency ambulanceAlso with $500 excess
0 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with root canal and other servicesup to $24 back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$300 yearly limit shared with exercise physiology and other servicesup to $25 back on a first visit
Not covered (6) · Restricted (32)
Not covered
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Joint replacements
- Pregnancy and birth
- Weight loss surgery
Restricted
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Hospital psychiatric services
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Palliative care
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Rehabilitation
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
Member retention (hospital cover): 81.4% · Commonwealth Ombudsman, 2024-25
$97.32†a month after the base-tier rebate (24.1%)
see-u by HBF
see-u by HBF
ExtrasStarter Extras
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29
0 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $25 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with 3 other servicesup to $35 back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% for HBF, the insurer of see-u by HBF · Commonwealth Ombudsman, 2024-25
$98.08†a month after the base-tier rebate (24.1%) Two policies: hospital $78.45 + extras $19.63
HIF
BasicAccident only$750 excessEmergency and non-emergency ambulance
0 of 38 hospital treatments covered
5 of 27 extras services covered
What the extras pay back
General dental$400 yearly limit50% back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with other services50% back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 76.2% · Commonwealth Ombudsman, 2024-25
$100.85†a month after the base-tier rebate (24.1%)
HCi
Basic Plus$750 excessNo ambulance cover
0 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 (33) · Restricted (5)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Blood
- Hospital psychiatric services
- Palliative care
- Rehabilitation
- Sleep studies
Member retention (hospital cover): 81.3% · Commonwealth Ombudsman, 2024-25
$100.94†a month after the base-tier rebate (24.1%)
see-u by HBF
see-u by HBF
ExtrasStarter Extras
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29
0 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $25 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with 3 other servicesup to $35 back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% for HBF, the insurer of see-u by HBF · Commonwealth Ombudsman, 2024-25
$101.42†a month after the base-tier rebate (24.1%) Two policies: hospital $81.79 + extras $19.63
HCF
HCF
ExtrasHCF STARTER EXTRAS (WITH OPTICAL)
Basic$750 excessEmergency ambulance
0 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$400 yearly limit shared with other servicesup to $29 back on a check-up
Glasses and contact lenses$100 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limitup to $42 back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 83.7% · Commonwealth Ombudsman, 2024-25
$101.57†a month after the base-tier rebate (24.1%) Two policies: hospital $86.81 + extras $14.76
HCF
HCF
ExtrasHCF STARTER EXTRAS (WITH OPTICAL)
BasicAccident only$750 excessEmergency ambulance
0 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$400 yearly limit shared with other servicesup to $29 back on a check-up
Glasses and contact lenses$100 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limitup to $42 back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 83.7% · Commonwealth Ombudsman, 2024-25
$101.89†a month after the base-tier rebate (24.1%) Two policies: hospital $87.13 + extras $14.76
Bupa
Bupa
ExtrasBudget Extras 60
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29
0 of 38 hospital treatments covered
12 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $19.80 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 $31.10 back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 86.1% · Commonwealth Ombudsman, 2024-25
$102.06†a month after the base-tier rebate (24.1%) Two policies: hospital $83.62 + extras $18.44
HBF
HBF
ExtrasSmart Start Extras
Basic Plus$750 excessEmergency ambulanceAlso with $500 excess
5 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $24 back on a check-up
Glasses and contact lenses$120 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limit shared with chiropractic and osteopathyup to $39 back on a first visit
Not covered (30) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% · Commonwealth Ombudsman, 2024-25
$102.08†a month after the base-tier rebate (24.1%) Two policies: hospital $89.29 + extras $12.79
AIA Health Insurance
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
0 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$300 yearly limitup to $29 back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$200 yearly limit shared with 5 other servicesup to $40 back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$102.85†a month after the base-tier rebate (24.1%)
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
$103.79†a month after the base-tier rebate (24.1%) Two policies: hospital $89.03 + extras $14.76
Bupa
Bupa
ExtrasBudget Extras 60
Basic$500 excessEmergency ambulanceDiscount for 18 to 29
0 of 38 hospital treatments covered
12 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $19.80 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 $31.10 back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 86.1% · Commonwealth Ombudsman, 2024-25
$105.21†a month after the base-tier rebate (24.1%) Two policies: hospital $86.77 + extras $18.44
nib
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
0 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$200 yearly limitup to $35.20 back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$150 yearly limit50% back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.0% · Commonwealth Ombudsman, 2024-25
$105.57†a month after the base-tier rebate (24.1%)
nib
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
0 of 38 hospital treatments covered
4 of 27 extras services covered
What the extras pay back
General dental$450 yearly limitup to $35.20 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limit shared with psychology50% back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.0% · Commonwealth Ombudsman, 2024-25
$106.05†a month after the base-tier rebate (24.1%) Two policies: hospital $84.40 + extras $21.65
GMHBA
GMHBA
ExtrasGMHBA SmartCare Starter Boost Extras with sub-limits
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29
0 of 38 hospital treatments covered
5 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with 3 other services, smaller limits apply100% back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$500 yearly limit shared with 3 other services, smaller limits apply60% back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25
$106.99†a month after the base-tier rebate (24.1%) Two policies: hospital $84.87 + extras $22.12
Bupa
Bupa
ExtrasBudget Extras 60
BasicAccident only$500 excessEmergency ambulanceDiscount for 18 to 29
0 of 38 hospital treatments covered
12 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $19.80 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 $31.10 back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 86.1% · Commonwealth Ombudsman, 2024-25
$107.03†a month after the base-tier rebate (24.1%) Two policies: hospital $88.59 + extras $18.44
AIA Health Insurance
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
0 of 38 hospital treatments covered
11 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $29 back on a check-up
Glasses and contact lenses$100 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with 5 other servicesup to $40 back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$107.12†a month after the base-tier rebate (24.1%)
ahm
Basic$750 excessEmergency ambulanceDiscount for 18 to 29
0 of 38 hospital treatments covered
13 of 27 extras services covered
What the extras pay back
General dental$650 yearly limit shared with other services, smaller limits applyup to $28.55 back on a check-up
Glasses and contact lenses$180 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limitup to $34 back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 85.4% for Medibank, the insurer of ahm · Commonwealth Ombudsman, 2024-25
$107.75†a month after the base-tier rebate (24.1%) Two policies: hospital $79.79 + extras $27.96
Medibank
Medibank
ExtrasEssential Extras 60
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
0 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $26 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with chiropractic and osteopathyup to $37.70 back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 85.4% · Commonwealth Ombudsman, 2024-25
$108.24†a month after the base-tier rebate (24.1%) Two policies: hospital $88.78 + extras $19.46
ahm
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
0 of 38 hospital treatments covered
13 of 27 extras services covered
What the extras pay back
General dental$650 yearly limit shared with other services, smaller limits applyup to $28.55 back on a check-up
Glasses and contact lenses$180 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limitup to $34 back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 85.4% for Medibank, the insurer of ahm · Commonwealth Ombudsman, 2024-25
$110.10†a month after the base-tier rebate (24.1%) Two policies: hospital $82.14 + extras $27.96
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
$110.26†a month after the base-tier rebate (24.1%)
Peoplecare
BasicAccident only$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
0 of 38 hospital treatments covered
11 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit50% back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$300 yearly limit shared with other servicesup to $40 back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25
$110.66†a month after the base-tier rebate (24.1%)
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
$110.88†a month after the base-tier rebate (24.1%) Two policies: hospital $89.23 + extras $21.65
Frank Health Insurance
Frank Health Insurance
ExtrasFrank Bundables $250
Bronze$750 excessEmergency ambulanceDiscount for 18 to 29
18 of 38 hospital treatments covered
13 of 27 extras services covered
What the extras pay back
General dental$250 yearly limit shared with 12 other services, smaller limits apply50% back on a check-up
Glasses and contact lenses$250 yearly limit shared with 12 other services, smaller limits apply50% back on single vision glasses
Physiotherapy$250 yearly limit shared with 12 other services, smaller limits apply50% back on a first visit
Not covered (17) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dental surgery
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% for GMHBA, the insurer of Frank Health Insurance · Commonwealth Ombudsman, 2024-25
$111.17†a month after the base-tier rebate (24.1%) Two policies: hospital $99.41 + extras $11.76
HBF
HBF
ExtrasSmart Start Extras
Basic Plus$750 excessEmergency ambulanceAlso with $500 excess
15 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $24 back on a check-up
Glasses and contact lenses$120 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limit shared with chiropractic and osteopathyup to $39 back on a first visit
Not covered (20) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% · Commonwealth Ombudsman, 2024-25
$111.25†a month after the base-tier rebate (24.1%) Two policies: hospital $98.46 + extras $12.79
HBF
HBF
ExtrasSmart Start Extras
Bronze Plus$750 excessEmergency ambulanceAlso with $500 excess
22 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $24 back on a check-up
Glasses and contact lenses$120 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limit shared with chiropractic and osteopathyup to $39 back on a first visit
Not covered (13) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% · Commonwealth Ombudsman, 2024-25
$111.67†a month after the base-tier rebate (24.1%) Two policies: hospital $98.88 + extras $12.79
Australian Unity
Basic Plus$750 excessEmergency ambulanceAlso with $500 excess
4 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$1,100 yearly limit, shared with other services, smaller limits apply60% back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$1,100 yearly limit, shared with other services, smaller limits apply60% back on a first visit
Not covered (31) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 81.4% · Commonwealth Ombudsman, 2024-25
$111.96†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
$112.05†a month after the base-tier rebate (24.1%) Two policies: hospital $92.42 + extras $19.63
Latrobe Health Services
Basic PlusNo excessEmergency ambulance
0 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$500 yearly limitup to $30.50 back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$250 yearly limit shared with other servicesup to $30 back on a first visit
Restricted (38)
Restricted
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Hospital psychiatric services
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Palliative care
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Rehabilitation
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Member retention (hospital cover): 74.6% · Commonwealth Ombudsman, 2024-25
$112.21†a month after the base-tier rebate (24.1%)
Latrobe Health Services
Latrobe Health Services
ExtrasBasic Extras
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
10 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$500 yearly limitup to $30.50 back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$250 yearly limit shared with other servicesup to $30 back on a first visit
Not covered (25) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Gastrointestinal endoscopy
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 74.6% · Commonwealth Ombudsman, 2024-25
$112.41†a month after the base-tier rebate (24.1%) Two policies: hospital $96.07 + extras $16.34
Phoenix Health Fund
BasicAccident only$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
0 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit100% back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$400 yearly limit shared with 5 other services, smaller limits apply50% back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 82.5% · Commonwealth Ombudsman, 2024-25
$112.66†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
$113.25†a month after the base-tier rebate (24.1%) Two policies: hospital $88.39 + extras $24.86
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 $19.80 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 $31.10 back on a first visit
Not covered (28) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 86.1% · Commonwealth Ombudsman, 2024-25
$113.37†a month after the base-tier rebate (24.1%) Two policies: hospital $94.93 + extras $18.44
Health Partners
Health Partners
ExtrasBase Extras
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29
0 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$350 yearly limit35% back on a check-up
Glasses and contact lenses$100 yearly limit40% back on single vision glasses
Physiotherapy$150 yearly limit shared with 3 other services, smaller limits applyup to $30 back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$113.41†a month after the base-tier rebate (24.1%) Two policies: hospital $91.15 + extras $22.26
Health Partners
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29
0 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$350 yearly limit35% back on a check-up
Glasses and contact lenses$100 yearly limit40% back on single vision glasses
Physiotherapy$150 yearly limit shared with 3 other services, smaller limits applyup to $30 back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$113.41†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
$113.48†a month after the base-tier rebate (24.1%) Two policies: hospital $91.36 + extras $22.12
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
$113.65†a month after the base-tier rebate (24.1%) Two policies: hospital $92.00 + extras $21.65
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
$114.51†a month after the base-tier rebate (24.1%) Two policies: hospital $98.17 + extras $16.34
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
$114.54†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 $26 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with chiropractic and osteopathyup to $37.70 back on a first visit
Not covered (28) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 85.4% · Commonwealth Ombudsman, 2024-25
$114.65†a month after the base-tier rebate (24.1%) Two policies: hospital $95.19 + extras $19.46
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
$114.69†a month after the base-tier rebate (24.1%) Two policies: hospital $102.93 + extras $11.76
HIF
Basic Plus$750 excessEmergency and non-emergency ambulanceAlso with $500 excess
3 of 38 hospital treatments covered
5 of 27 extras services covered
What the extras pay back
General dental$400 yearly limit50% back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with other services50% back on a first visit
Not covered (32) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 76.2% · Commonwealth Ombudsman, 2024-25
$115.11†a month after the base-tier rebate (24.1%) Two policies: hospital $89.16 + extras $25.95
see-u by HBF
see-u by HBF
ExtrasStarter Extras
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
19 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $25 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with 3 other servicesup to $35 back on a first visit
Not covered (16) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% for HBF, the insurer of see-u by HBF · Commonwealth Ombudsman, 2024-25
$115.44†a month after the base-tier rebate (24.1%) Two policies: hospital $95.81 + extras $19.63
HCi
Basic Plus$750 excessNo ambulance cover
0 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 (33) · Restricted (5)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Blood
- Hospital psychiatric services
- Palliative care
- Rehabilitation
- Sleep studies
Member retention (hospital cover): 81.3% · Commonwealth Ombudsman, 2024-25
$115.74†a month after the base-tier rebate (24.1%)
HCF
HCF
ExtrasHCF STARTER EXTRAS (WITH OPTICAL)
Bronze$750 excessEmergency ambulance
18 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$400 yearly limit shared with other servicesup to $29 back on a check-up
Glasses and contact lenses$100 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limitup to $42 back on a first visit
Not covered (17) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dental surgery
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 83.7% · Commonwealth Ombudsman, 2024-25
$116.49†a month after the base-tier rebate (24.1%) Two policies: hospital $101.73 + extras $14.76
AIA Health Insurance
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
0 of 38 hospital treatments covered
11 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit50% back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$250 yearly limit shared with other services50% back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$116.58†a month after the base-tier rebate (24.1%)
Latrobe Health Services
Latrobe Health Services
ExtrasBasic Extras
Bronze$750 excessEmergency ambulanceDiscount for 18 to 29
18 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$500 yearly limitup to $30.50 back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$250 yearly limit shared with other servicesup to $30 back on a first visit
Not covered (17) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dental surgery
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 74.6% · Commonwealth Ombudsman, 2024-25
$116.64†a month after the base-tier rebate (24.1%) Two policies: hospital $100.30 + extras $16.34
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
$116.68†a month after the base-tier rebate (24.1%)
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
$117.06†a month after the base-tier rebate (24.1%) Two policies: hospital $102.30 + extras $14.76
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
$117.21†a month after the base-tier rebate (24.1%) Two policies: hospital $89.03 + extras $28.18
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
$117.21†a month after the base-tier rebate (24.1%)
AAMI Health Insurance
AAMI Health Insurance
ExtrasAAMI Starter Extras
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
7 of 38 hospital treatments covered
6 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $35.20 back on a check-up
Glasses and contact lenses$150 yearly limit60% back on single vision glasses
Physiotherapy$250 yearly limit shared with chiropractic and osteopathy60% back on a first visit
Not covered (28) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.0% for NIB, the insurer of AAMI Health Insurance · Commonwealth Ombudsman, 2024-25
$117.35†a month after the base-tier rebate (24.1%) Two policies: hospital $91.63 + extras $25.72
Peoplecare
Basic Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $500 excess
6 of 38 hospital treatments covered
11 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit50% back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$300 yearly limit shared with other servicesup to $40 back on a first visit
Not covered (29) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25
$117.36†a month after the base-tier rebate (24.1%)
ahm
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
0 of 38 hospital treatments covered
5 of 27 extras services covered
What the extras pay back
General dental$550 yearly limit shared with other servicesup to $27.55 back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$550 yearly limit shared with other servicesup to $30 back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 85.4% for Medibank, the insurer of ahm · Commonwealth Ombudsman, 2024-25
$117.50†a month after the base-tier rebate (24.1%)
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
$117.88†a month after the base-tier rebate (24.1%) Two policies: hospital $89.92 + extras $27.96
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
$117.97†a month after the base-tier rebate (24.1%) Two policies: hospital $91.93 + extras $26.04
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 $19.80 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 $31.10 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
$118.38†a month after the base-tier rebate (24.1%) Two policies: hospital $99.94 + extras $18.44
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 $19.80 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 $31.10 back on a first visit
Not covered (28) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 86.1% · Commonwealth Ombudsman, 2024-25
$118.60†a month after the base-tier rebate (24.1%) Two policies: hospital $100.16 + extras $18.44
AIA Health Insurance
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
0 of 38 hospital treatments covered
13 of 27 extras services covered
What the extras pay back
General dental$700 yearly limit shared with major dental and root canalup to $30 back on a check-up
Glasses and contact lenses$200 yearly limit100% back on single vision glasses
Physiotherapy$350 yearly limit shared with exercise physiologyup to $40 back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$118.70†a month after the base-tier rebate (24.1%)
HBF
HBF
ExtrasSmart Start Extras
Bronze Plus$750 excessEmergency ambulanceAlso with $250 excess or $500 excess
26 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $24 back on a check-up
Glasses and contact lenses$120 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limit shared with chiropractic and osteopathyup to $39 back on a first visit
Not covered (10) · Restricted (2)
Not covered
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Rehabilitation
Member retention (hospital cover): 88.4% · Commonwealth Ombudsman, 2024-25
$118.93†a month after the base-tier rebate (24.1%) Two policies: hospital $106.14 + extras $12.79
St Lukes
St Lukes
ExtrasStarter Extras
Basic Plus$500 excessNo ambulance cover
12 of 38 hospital treatments covered
14 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$400 yearly limit shared with 3 other services, smaller limits applyup to $44 back on a first visit
Not covered (25) · Restricted (1)
Not covered
- Assisted reproductive services
- 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
- 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
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 87.9% · Commonwealth Ombudsman, 2024-25
$118.98†a month after the base-tier rebate (24.1%) Two policies: hospital $97.20 + extras $21.78
Latrobe Health Services
Latrobe Health Services
ExtrasBasic Extras
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
21 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$500 yearly limitup to $30.50 back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$250 yearly limit shared with other servicesup to $30 back on a first visit
Not covered (14) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 74.6% · Commonwealth Ombudsman, 2024-25
$119.84†a month after the base-tier rebate (24.1%) Two policies: hospital $103.50 + extras $16.34
Peoplecare
Peoplecare
ExtrasSimple Extras
Basic Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $500 excess
6 of 38 hospital treatments covered
11 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit50% back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$300 yearly limit shared with other servicesup to $40 back on a first visit
Not covered (29) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25
$120.36†a month after the base-tier rebate (24.1%) Two policies: hospital $90.35 + extras $30.01
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 $19.80 back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$1,000 yearly limit, shared with 14 other services, smaller limits applyup to $31.10 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%)
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 $26 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with chiropractic and osteopathyup to $37.70 back on a first visit
Not covered (12) · Restricted (2)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Rehabilitation
Member retention (hospital cover): 85.4% · Commonwealth Ombudsman, 2024-25
$121.33†a month after the base-tier rebate (24.1%) Two policies: hospital $101.87 + extras $19.46
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 $19.80 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 $31.10 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
$122.09†a month after the base-tier rebate (24.1%) Two policies: hospital $103.65 + extras $18.44
Health Partners
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29
0 of 38 hospital treatments covered
6 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with major dental and root canal60% back on a check-up
Glasses and contact lenses$200 yearly limit60% back on single vision glasses
Physiotherapynot covered
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$122.19†a month after the base-tier rebate (24.1%)
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 $19.80 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 $31.10 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
$122.36†a month after the base-tier rebate (24.1%) Two policies: hospital $103.92 + extras $18.44
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
$122.68†a month after the base-tier rebate (24.1%) Two policies: hospital $100.42 + extras $22.26
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
$122.69†a month after the base-tier rebate (24.1%) Two policies: hospital $101.04 + extras $21.65
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
$122.69†a month after the base-tier rebate (24.1%)
AIA Health Insurance
AIA Health Insurance
ExtrasBase Set Extras Only
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
0 of 38 hospital treatments covered
11 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $29 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$250 yearly limit shared with other servicesup to $40 back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$123.89†a month after the base-tier rebate (24.1%) Two policies: hospital $89.80 + extras $34.09
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
$123.99†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
$124.12†a month after the base-tier rebate (24.1%) Two policies: hospital $107.78 + extras $16.34
Qantas Insurance
Qantas Insurance
ExtrasQantas Starter Extras
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
7 of 38 hospital treatments covered
4 of 27 extras services covered
What the extras pay back
General dental$250 yearly limit (no limit on preventative dental)up to $35.20 back on a check-up
Glasses and contact lenses$150 yearly limit60% back on single vision glasses
Physiotherapy$200 yearly limit60% back on a first visit
Not covered (28) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.0% for NIB, the insurer of Qantas Insurance · Commonwealth Ombudsman, 2024-25
$124.33†a month after the base-tier rebate (24.1%) Two policies: hospital $91.93 + extras $32.40
Health Partners
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29
0 of 38 hospital treatments covered
15 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with major dental and root canal60% back on a check-up
Glasses and contact lensesnot covered
Physiotherapynot covered
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$124.39†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
$124.86†a month after the base-tier rebate (24.1%) Two policies: hospital $105.23 + extras $19.63
Phoenix Health Fund
Bronze$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $500 excess
18 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit100% back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$400 yearly limit shared with 5 other services, smaller limits apply50% back on a first visit
Not covered (17) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dental surgery
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 82.5% · Commonwealth Ombudsman, 2024-25
$124.97†a month after the base-tier rebate (24.1%)
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
$124.98†a month after the base-tier rebate (24.1%)
Health Partners
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29
0 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with major dental and root canal60% back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$400 yearly limit shared with 3 other services60% back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$125.08†a month after the base-tier rebate (24.1%)
Peoplecare
BasicAccident only$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
0 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$800 yearly limit shared with 8 other services60% back on a check-up
Glasses and contact lenses$200 yearly limitup to $200 back on single vision glasses
Physiotherapy$800 yearly limit shared with 8 other services60% back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25
$125.24†a month after the base-tier rebate (24.1%)
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
$125.27†a month after the base-tier rebate (24.1%) Two policies: hospital $103.62 + extras $21.65
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
$126.12†a month after the base-tier rebate (24.1%)
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
$126.17†a month after the base-tier rebate (24.1%)
Phoenix Health Fund
Bronze Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $500 excess
21 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit100% back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$400 yearly limit shared with 5 other services, smaller limits apply50% back on a first visit
Not covered (14) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 82.5% · Commonwealth Ombudsman, 2024-25
$126.21†a month after the base-tier rebate (24.1%)
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
$126.31†a month after the base-tier rebate (24.1%) Two policies: hospital $111.55 + extras $14.76
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
$126.87†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
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
$127.45†a month after the base-tier rebate (24.1%)
Westfund
Westfund
ExtrasStarter Extras
Bronze$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $500 excess
18 of 38 hospital treatments covered
15 of 27 extras services covered
What the extras pay back
General dental$400 yearly limit shared with root canalup to $28 back on a check-up
Glasses and contact lenses$400 yearly limit shared with other services, smaller limits applyup to $180 back on single vision glasses
Physiotherapy$400 yearly limit shared with other servicesup to $25 back on a first visit
Not covered (17) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dental surgery
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 86.3% · Commonwealth Ombudsman, 2024-25
$127.98†a month after the base-tier rebate (24.1%) Two policies: hospital $103.12 + extras $24.86
Health Partners
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29
0 of 38 hospital treatments covered
6 of 27 extras services covered
What the extras pay back
General dental$1,000 yearly limit, shared with 3 other services60% back on a check-up
Glasses and contact lensesnot covered
Physiotherapynot covered
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$128.04†a month after the base-tier rebate (24.1%)
Phoenix Health Fund
BasicAccident only$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
0 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$700 yearly limit100% back on a check-up
Glasses and contact lenses$700 yearly limit shared with 6 other services, smaller limits apply50% back on single vision glasses
Physiotherapy$700 yearly limit shared with 6 other services50% back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 82.5% · Commonwealth Ombudsman, 2024-25
$128.28†a month after the base-tier rebate (24.1%)
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
$128.61†a month after the base-tier rebate (24.1%) Two policies: hospital $103.75 + extras $24.86
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
$128.63†a month after the base-tier rebate (24.1%) Two policies: hospital $113.87 + extras $14.76
Latrobe Health Services
Latrobe Health Services
ExtrasBasic Extras
Bronze Plus$500 excessEmergency ambulanceDiscount for 18 to 29
21 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$500 yearly limitup to $30.50 back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$250 yearly limit shared with other servicesup to $30 back on a first visit
Not covered (14) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 74.6% · Commonwealth Ombudsman, 2024-25
$129.09†a month after the base-tier rebate (24.1%) Two policies: hospital $112.75 + extras $16.34
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
$129.16†a month after the base-tier rebate (24.1%) Two policies: hospital $90.66 + extras $38.50
St Lukes
St Lukes
ExtrasStarter Extras
Bronze$750 excessNo ambulance cover
20 of 38 hospital treatments covered
14 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$400 yearly limit shared with 3 other services, smaller limits applyup to $44 back on a first visit
Not covered (17) · Restricted (1)
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
Member retention (hospital cover): 87.9% · Commonwealth Ombudsman, 2024-25
$129.23†a month after the base-tier rebate (24.1%) Two policies: hospital $107.45 + extras $21.78
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
$129.25†a month after the base-tier rebate (24.1%)
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 $19.80 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 $31.10 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
$129.38†a month after the base-tier rebate (24.1%) Two policies: hospital $110.94 + extras $18.44
Frank Health Insurance
Frank Health Insurance
ExtrasFrank Bundables $250
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
24 of 38 hospital treatments covered
13 of 27 extras services covered
What the extras pay back
General dental$250 yearly limit shared with 12 other services, smaller limits apply50% back on a check-up
Glasses and contact lenses$250 yearly limit shared with 12 other services, smaller limits apply50% back on single vision glasses
Physiotherapy$250 yearly limit shared with 12 other services, smaller limits apply50% back on a first visit
Not covered (11) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% for GMHBA, the insurer of Frank Health Insurance · Commonwealth Ombudsman, 2024-25
$129.76†a month after the base-tier rebate (24.1%) Two policies: hospital $118.00 + extras $11.76
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
$129.95†a month after the base-tier rebate (24.1%) Two policies: hospital $101.99 + extras $27.96
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 $19.80 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 $31.10 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
$129.99†a month after the base-tier rebate (24.1%) Two policies: hospital $111.55 + extras $18.44
Health Partners
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29
0 of 38 hospital treatments covered
16 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with major dental and root canal60% back on a check-up
Glasses and contact lenses$200 yearly limit60% back on single vision glasses
Physiotherapynot covered
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$130.24†a month after the base-tier rebate (24.1%)
Health Partners
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29
0 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with major dental and root canal60% back on a check-up
Glasses and contact lenses$200 yearly limit60% back on single vision glasses
Physiotherapy$400 yearly limit shared with 3 other services60% back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$130.87†a month after the base-tier rebate (24.1%)
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
$131.30†a month after the base-tier rebate (24.1%) Two policies: hospital $97.21 + extras $34.09
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
$131.47†a month after the base-tier rebate (24.1%)
Queensland Country Health Fund
Queensland Country Health Fund
ExtrasYoung Extras
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
10 of 38 hospital treatments covered
14 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with major dentalup to $42 back on a check-up
Glasses and contact lenses$225 yearly limitup to $225 back on single vision glasses
Physiotherapy$400 yearly limitup to $42 back on a first visit
Not covered (25) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$131.49†a month after the base-tier rebate (24.1%) Two policies: hospital $101.07 + extras $30.42
Queensland Country Health Fund
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
10 of 38 hospital treatments covered
14 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with major dentalup to $42 back on a check-up
Glasses and contact lenses$225 yearly limitup to $225 back on single vision glasses
Physiotherapy$400 yearly limitup to $42 back on a first visit
Not covered (25) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$131.49†a month after the base-tier rebate (24.1%)
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
$131.72†a month after the base-tier rebate (24.1%)
Peoplecare
Basic Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
6 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$800 yearly limit shared with 8 other services60% back on a check-up
Glasses and contact lenses$200 yearly limitup to $200 back on single vision glasses
Physiotherapy$800 yearly limit shared with 8 other services60% back on a first visit
Not covered (29) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25
$131.94†a month after the base-tier rebate (24.1%)
ahm
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
23 of 38 hospital treatments covered
13 of 27 extras services covered
What the extras pay back
General dental$650 yearly limit shared with other services, smaller limits applyup to $28.55 back on a check-up
Glasses and contact lenses$180 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limitup to $34 back on a first visit
Not covered (12) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 85.4% for Medibank, the insurer of ahm · Commonwealth Ombudsman, 2024-25
$132.41†a month after the base-tier rebate (24.1%) Two policies: hospital $104.45 + extras $27.96
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
$132.56†a month after the base-tier rebate (24.1%) Two policies: hospital $87.30 + extras $45.26
Health Partners
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29
0 of 38 hospital treatments covered
19 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with major dental and root canal60% back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$400 yearly limit shared with 3 other services60% back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$132.85†a month after the base-tier rebate (24.1%)
St Lukes
St Lukes
ExtrasStarter Extras
Bronze Plus$750 excessNo ambulance cover
24 of 38 hospital treatments covered
14 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$400 yearly limit shared with 3 other services, smaller limits applyup to $44 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
$133.17†a month after the base-tier rebate (24.1%) Two policies: hospital $111.39 + extras $21.78
Health Partners
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29
0 of 38 hospital treatments covered
7 of 27 extras services covered
What the extras pay back
General dental$1,000 yearly limit, shared with 3 other services60% back on a check-up
Glasses and contact lenses$200 yearly limit60% back on single vision glasses
Physiotherapynot covered
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$133.54†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
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
$133.67†a month after the base-tier rebate (24.1%)
Peoplecare
Bronze Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
24 of 38 hospital treatments covered
11 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit50% back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$300 yearly limit shared with other servicesup to $40 back on a first visit
Not covered (12) · Restricted (2)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Rehabilitation
Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25
$133.78†a month after the base-tier rebate (24.1%)
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
$133.91†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
$134.27†a month after the base-tier rebate (24.1%) Two policies: hospital $112.62 + extras $21.65
Health Partners
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with major dental and root canal60% back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$400 yearly limit shared with 3 other services60% back on a first visit
Not covered (27) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$134.36†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
$134.37†a month after the base-tier rebate (24.1%) Two policies: hospital $92.00 + extras $42.37
AIA Health Insurance
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
0 of 38 hospital treatments covered
13 of 27 extras services covered
What the extras pay back
General dental$750 yearly limit50% back on a check-up
Glasses and contact lenses$200 yearly limit100% back on single vision glasses
Physiotherapy$350 yearly limit shared with exercise physiology and other services50% back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$134.48†a month after the base-tier rebate (24.1%)
Peoplecare
Basic Plus$500 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
6 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$800 yearly limit shared with 8 other services60% back on a check-up
Glasses and contact lenses$200 yearly limitup to $200 back on single vision glasses
Physiotherapy$800 yearly limit shared with 8 other services60% back on a first visit
Not covered (29) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25
$134.68†a month after the base-tier rebate (24.1%)
Queensland Country Health Fund
Queensland Country Health Fund
ExtrasYoung Extras
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
10 of 38 hospital treatments covered
14 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with major dentalup to $42 back on a check-up
Glasses and contact lenses$225 yearly limitup to $225 back on single vision glasses
Physiotherapy$400 yearly limitup to $42 back on a first visit
Not covered (25) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$135.00†a month after the base-tier rebate (24.1%) Two policies: hospital $104.58 + extras $30.42
Queensland Country Health Fund
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
10 of 38 hospital treatments covered
14 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with major dentalup to $42 back on a check-up
Glasses and contact lenses$225 yearly limitup to $225 back on single vision glasses
Physiotherapy$400 yearly limitup to $42 back on a first visit
Not covered (25) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$135.00†a month after the base-tier rebate (24.1%)
Health Partners
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29
0 of 38 hospital treatments covered
16 of 27 extras services covered
What the extras pay back
General dental$1,000 yearly limit, shared with 3 other services60% back on a check-up
Glasses and contact lensesnot covered
Physiotherapynot covered
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$135.47†a month after the base-tier rebate (24.1%)
St Lukes
St Lukes
ExtrasStarter Extras
Bronze$500 excessNo ambulance cover
20 of 38 hospital treatments covered
14 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$400 yearly limit shared with 3 other services, smaller limits applyup to $44 back on a first visit
Not covered (17) · Restricted (1)
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
Member retention (hospital cover): 87.9% · Commonwealth Ombudsman, 2024-25
$135.68†a month after the base-tier rebate (24.1%) Two policies: hospital $113.90 + extras $21.78
Health Partners
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29
0 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$1,000 yearly limit, shared with 3 other services60% back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$400 yearly limit shared with 3 other services60% back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$136.10†a month after the base-tier rebate (24.1%)
Medibank
Medibank
ExtrasEssential Extras 60
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess
26 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $26 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with chiropractic and osteopathyup to $37.70 back on a first visit
Not covered (10) · Restricted (2)
Not covered
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Rehabilitation
Member retention (hospital cover): 85.4% · Commonwealth Ombudsman, 2024-25
$136.36†a month after the base-tier rebate (24.1%) Two policies: hospital $116.90 + extras $19.46
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 $19.80 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 $31.10 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
$136.36†a month after the base-tier rebate (24.1%) Two policies: hospital $117.92 + extras $18.44
Health Partners
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29
0 of 38 hospital treatments covered
18 of 27 extras services covered
What the extras pay back
General dental$1,000 yearly limit, shared with major dental and root canal55% back on a check-up
Glasses and contact lenses$200 yearly limit100% back on single vision glasses
Physiotherapy$450 yearly limit shared with 3 other services, smaller limits applyup to $35 back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$136.53†a month after the base-tier rebate (24.1%)
Peoplecare
BasicAccident only$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
0 of 38 hospital treatments covered
18 of 27 extras services covered
What the extras pay back
General dental$750 yearly limit60% back on a check-up
Glasses and contact lenses$200 yearly limitup to $200 back on single vision glasses
Physiotherapy$350 yearly limit shared with other servicesup to $45 back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25
$136.69†a month after the base-tier rebate (24.1%)
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 $19.80 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 $31.10 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
$136.74†a month after the base-tier rebate (24.1%) Two policies: hospital $118.30 + extras $18.44
Peoplecare
Peoplecare
ExtrasSimple Extras
Bronze Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
24 of 38 hospital treatments covered
11 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit50% back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$300 yearly limit shared with other servicesup to $40 back on a first visit
Not covered (12) · Restricted (2)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Rehabilitation
Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25
$136.78†a month after the base-tier rebate (24.1%) Two policies: hospital $106.77 + extras $30.01
AIA Health Insurance
Bronze Plus$500 excessEmergency ambulanceDiscount for 18 to 29
22 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$300 yearly limitup to $29 back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$200 yearly limit shared with 5 other servicesup to $40 back on a first visit
Not covered (13) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$136.79†a month after the base-tier rebate (24.1%)
Health Partners
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
6 of 27 extras services covered
What the extras pay back
General dental$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
$137.32†a month after the base-tier rebate (24.1%)
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
$137.60†a month after the base-tier rebate (24.1%)
AIA Health Insurance
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
0 of 38 hospital treatments covered
20 of 27 extras services covered
What the extras pay back
General dental$700 yearly limitup to $35 back on a check-up
Glasses and contact lenses$200 yearly limit100% back on single vision glasses
Physiotherapy$450 yearly limit shared with exercise physiologyup to $40 back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$137.80†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
$138.04†a month after the base-tier rebate (24.1%) Two policies: hospital $107.62 + extras $30.42
Queensland Country Health Fund
Basic Plus$500 excessEmergency ambulanceDiscount for 18 to 29
10 of 38 hospital treatments covered
14 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with major dentalup to $42 back on a check-up
Glasses and contact lenses$225 yearly limitup to $225 back on single vision glasses
Physiotherapy$400 yearly limitup to $42 back on a first visit
Not covered (25) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$138.04†a month after the base-tier rebate (24.1%)
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
$138.18†a month after the base-tier rebate (24.1%)
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
$138.38†a month after the base-tier rebate (24.1%) Two policies: hospital $125.59 + extras $12.79
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
$138.45†a month after the base-tier rebate (24.1%) Two policies: hospital $110.27 + extras $28.18
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
$138.45†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
$138.63†a month after the base-tier rebate (24.1%) Two policies: hospital $112.68 + extras $25.95
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
$138.70†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
$138.72†a month after the base-tier rebate (24.1%) Two policies: hospital $113.00 + extras $25.72
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 $26 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with chiropractic and osteopathyup to $37.70 back on a first visit
Not covered (9) · Restricted (2)
Not covered
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Rehabilitation
Member retention (hospital cover): 85.4% · Commonwealth Ombudsman, 2024-25
$139.05†a month after the base-tier rebate (24.1%) Two policies: hospital $119.59 + extras $19.46
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
$139.10†a month after the base-tier rebate (24.1%) Two policies: hospital $113.06 + extras $26.04
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
$139.17†a month after the base-tier rebate (24.1%) Two policies: hospital $117.05 + extras $22.12
Frank Health Insurance
Frank Health Insurance
ExtrasFrank Bundables $250
Silver$750 excessEmergency ambulanceDiscount for 18 to 29
26 of 38 hospital treatments covered
13 of 27 extras services covered
What the extras pay back
General dental$250 yearly limit shared with 12 other services, smaller limits apply50% back on a check-up
Glasses and contact lenses$250 yearly limit shared with 12 other services, smaller limits apply50% back on single vision glasses
Physiotherapy$250 yearly limit shared with 12 other services, smaller limits apply50% back on a first visit
Not covered (9) · Restricted (3)
Not covered
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Insulin pumps
- Joint replacements
- Pain management with device
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% for GMHBA, the insurer of Frank Health Insurance · Commonwealth Ombudsman, 2024-25
$139.20†a month after the base-tier rebate (24.1%) Two policies: hospital $127.44 + extras $11.76
Health Partners
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
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
$139.52†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
$139.70†a month after the base-tier rebate (24.1%) Two policies: hospital $113.75 + extras $25.95
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
$140.15†a month after the base-tier rebate (24.1%)
HCi
Basic Plus$750 excessEmergency ambulance
0 of 38 hospital treatments covered
26 of 27 extras services covered
What the extras pay back
General dental$1,100 yearly limitup to $39 back on a check-up
Glasses and contact lenses$240 yearly limitup to $240 back on single vision glasses
Physiotherapy$700 yearly limit shared with exercise physiologyup to $60 back on a first visit
Not covered (33) · Restricted (5)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Blood
- Hospital psychiatric services
- Palliative care
- Rehabilitation
- Sleep studies
Member retention (hospital cover): 81.3% · Commonwealth Ombudsman, 2024-25
$140.25†a month after the base-tier rebate (24.1%)
Phoenix Health Fund
Bronze$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $500 excess
18 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$700 yearly limit100% back on a check-up
Glasses and contact lenses$700 yearly limit shared with 6 other services, smaller limits apply50% back on single vision glasses
Physiotherapy$700 yearly limit shared with 6 other services50% back on a first visit
Not covered (17) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dental surgery
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 82.5% · Commonwealth Ombudsman, 2024-25
$140.59†a month after the base-tier rebate (24.1%)
AIA Health Insurance
Bronze$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
$140.83†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
$140.95†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
$140.99†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
$141.06†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
$141.18†a month after the base-tier rebate (24.1%)
Queensland Country Health Fund
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
10 of 38 hospital treatments covered
12 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $44 back on a check-up
Glasses and contact lenses$245 yearly limitup to $245 back on single vision glasses
Physiotherapy$500 yearly limitup to $44 back on a first visit
Not covered (25) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$141.33†a month after the base-tier rebate (24.1%)
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
$141.63†a month after the base-tier rebate (24.1%) Two policies: hospital $113.67 + extras $27.96
Health Partners
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29
0 of 38 hospital treatments covered
20 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with major dental and root canal60% back on a check-up
Glasses and contact lenses$200 yearly limit60% back on single vision glasses
Physiotherapy$400 yearly limit shared with 3 other services60% back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$141.69†a month after the base-tier rebate (24.1%)
Phoenix Health Fund
Bronze Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $500 excess
21 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$700 yearly limit100% back on a check-up
Glasses and contact lenses$700 yearly limit shared with 6 other services, smaller limits apply50% back on single vision glasses
Physiotherapy$700 yearly limit shared with 6 other services50% back on a first visit
Not covered (14) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 82.5% · Commonwealth Ombudsman, 2024-25
$141.83†a month after the base-tier rebate (24.1%)
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
$141.89†a month after the base-tier rebate (24.1%)
Peoplecare
Bronze Plus$500 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
24 of 38 hospital treatments covered
11 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit50% back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$300 yearly limit shared with other servicesup to $40 back on a first visit
Not covered (12) · Restricted (2)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Rehabilitation
Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25
$141.96†a month after the base-tier rebate (24.1%)
Health Partners
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
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
$142.12†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 $19.80 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 $31.10 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
$142.39†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 $19.80 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 $31.10 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
$142.47†a month after the base-tier rebate (24.1%) Two policies: hospital $124.03 + extras $18.44
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
$142.81†a month after the base-tier rebate (24.1%)
Queensland Country Health Fund
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
10 of 38 hospital treatments covered
24 of 27 extras services covered
What the extras pay back
General dental$900 yearly limit shared with other services, smaller limits applyup to $39 back on a check-up
Glasses and contact lenses$215 yearly limitup to $215 back on single vision glasses
Physiotherapy$900 yearly limit shared with 14 other services, smaller limits applyup to $39 back on a first visit
Not covered (25) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$142.98†a month after the base-tier rebate (24.1%)
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
$143.05†a month after the base-tier rebate (24.1%) Two policies: hospital $126.71 + extras $16.34
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 $19.80 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 $31.10 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
$143.23†a month after the base-tier rebate (24.1%) Two policies: hospital $124.79 + extras $18.44
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
$143.30†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
$143.30†a month after the base-tier rebate (24.1%) Two policies: hospital $121.04 + 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
$143.30†a month after the base-tier rebate (24.1%)
St Lukes
St Lukes
ExtrasStarter Extras
Bronze Plus$500 excessNo ambulance cover
24 of 38 hospital treatments covered
14 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$400 yearly limit shared with 3 other services, smaller limits applyup to $44 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
$143.34†a month after the base-tier rebate (24.1%) Two policies: hospital $121.56 + extras $21.78
Peoplecare
Basic Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $500 excess
6 of 38 hospital treatments covered
18 of 27 extras services covered
What the extras pay back
General dental$750 yearly limit60% back on a check-up
Glasses and contact lenses$200 yearly limitup to $200 back on single vision glasses
Physiotherapy$350 yearly limit shared with other servicesup to $45 back on a first visit
Not covered (29) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25
$143.39†a month after the base-tier rebate (24.1%)
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
$143.75†a month after the base-tier rebate (24.1%) Two policies: hospital $128.99 + extras $14.76
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
$144.20†a month after the base-tier rebate (24.1%) Two policies: hospital $124.57 + extras $19.63
Health Partners
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29
0 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 (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$144.29†a month after the base-tier rebate (24.1%)
Health Partners
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
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
$144.74†a month after the base-tier rebate (24.1%)
Qantas Insurance
Qantas Insurance
ExtrasQantas Starter Extras
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
22 of 38 hospital treatments covered
4 of 27 extras services covered
What the extras pay back
General dental$250 yearly limit (no limit on preventative dental)up to $35.20 back on a check-up
Glasses and contact lenses$150 yearly limit60% back on single vision glasses
Physiotherapy$200 yearly limit60% back on a first visit
Not covered (13) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.0% for NIB, the insurer of Qantas Insurance · Commonwealth Ombudsman, 2024-25
$144.78†a month after the base-tier rebate (24.1%) Two policies: hospital $112.38 + extras $32.40
Queensland Country Health Fund
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
10 of 38 hospital treatments covered
12 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $44 back on a check-up
Glasses and contact lenses$245 yearly limitup to $245 back on single vision glasses
Physiotherapy$500 yearly limitup to $44 back on a first visit
Not covered (25) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$144.84†a month after the base-tier rebate (24.1%)
Health Partners
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29
0 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 (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$144.91†a month after the base-tier rebate (24.1%)
Peoplecare
Peoplecare
ExtrasSimple Extras
Bronze Plus$500 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
24 of 38 hospital treatments covered
11 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit50% back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$300 yearly limit shared with other servicesup to $40 back on a first visit
Not covered (12) · Restricted (2)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Rehabilitation
Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25
$144.96†a month after the base-tier rebate (24.1%) Two policies: hospital $114.95 + extras $30.01
AIA Health Insurance
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
6 of 38 hospital treatments covered
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
$145.22†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
$145.37†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
$145.80†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
$146.02†a month after the base-tier rebate (24.1%) Two policies: hospital $111.93 + extras $34.09
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
$146.03†a month after the base-tier rebate (24.1%) Two policies: hospital $133.24 + extras $12.79
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
$146.39†a month after the base-tier rebate (24.1%) Two policies: hospital $118.21 + extras $28.18
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
$146.39†a month after the base-tier rebate (24.1%)
Peoplecare
BasicAccident only$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
0 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 (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25
$146.40†a month after the base-tier rebate (24.1%)
Queensland Country Health Fund
Queensland Country Health Fund
ExtrasYoung Extras
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
26 of 38 hospital treatments covered
14 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with major dentalup to $42 back on a check-up
Glasses and contact lenses$225 yearly limitup to $225 back on single vision glasses
Physiotherapy$400 yearly limitup to $42 back on a first visit
Not covered (11) · Restricted (1)
Not covered
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$146.41†a month after the base-tier rebate (24.1%) Two policies: hospital $115.99 + extras $30.42
Queensland Country Health Fund
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
26 of 38 hospital treatments covered
14 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with major dentalup to $42 back on a check-up
Glasses and contact lenses$225 yearly limitup to $225 back on single vision glasses
Physiotherapy$400 yearly limitup to $42 back on a first visit
Not covered (11) · Restricted (1)
Not covered
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$146.41†a month after the base-tier rebate (24.1%)
Queensland Country Health Fund
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
10 of 38 hospital treatments covered
24 of 27 extras services covered
What the extras pay back
General dental$900 yearly limit shared with other services, smaller limits applyup to $39 back on a check-up
Glasses and contact lenses$215 yearly limitup to $215 back on single vision glasses
Physiotherapy$900 yearly limit shared with 14 other services, smaller limits applyup to $39 back on a first visit
Not covered (25) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$146.50†a month after the base-tier rebate (24.1%)
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 $19.80 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 $31.10 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
$146.68†a month after the base-tier rebate (24.1%) Two policies: hospital $128.24 + extras $18.44
Health Partners
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29
0 of 38 hospital treatments covered
20 of 27 extras services covered
What the extras pay back
General dental$1,000 yearly limit, shared with 3 other services60% back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$400 yearly limit shared with 3 other services60% back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$146.85†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
$147.64†a month after the base-tier rebate (24.1%)
CDH Benefits Fund
Basic PlusNo excessNo ambulance cover
0 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
Restricted (38)
Restricted
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Hospital psychiatric services
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Palliative care
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Rehabilitation
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Member retention (hospital cover): 89.5% · Commonwealth Ombudsman, 2024-25
$147.80†a month after the base-tier rebate (24.1%)
Queensland Country Health Fund
Basic Plus$500 excessEmergency ambulanceDiscount for 18 to 29
10 of 38 hospital treatments covered
12 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $44 back on a check-up
Glasses and contact lenses$245 yearly limitup to $245 back on single vision glasses
Physiotherapy$500 yearly limitup to $44 back on a first visit
Not covered (25) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$147.89†a month after the base-tier rebate (24.1%)
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
$148.05†a month after the base-tier rebate (24.1%) Two policies: hospital $133.29 + extras $14.76
Health Partners
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29
0 of 38 hospital treatments covered
21 of 27 extras services covered
What the extras pay back
General dental$800 yearly limitup to $34.50 back on a check-up
Glasses and contact lenses$200 yearly limit100% back on single vision glasses
Physiotherapy$500 yearly limit shared with 6 other servicesup to $40 back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$148.17†a month after the base-tier rebate (24.1%)
Peoplecare
Bronze Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
24 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$800 yearly limit shared with 8 other services60% back on a check-up
Glasses and contact lenses$200 yearly limitup to $200 back on single vision glasses
Physiotherapy$800 yearly limit shared with 8 other services60% back on a first visit
Not covered (12) · Restricted (2)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Rehabilitation
Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25
$148.36†a month after the base-tier rebate (24.1%)
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
$148.49†a month after the base-tier rebate (24.1%) Two policies: hospital $114.40 + extras $34.09
St Lukes
St Lukes
ExtrasStarter Extras
Bronze$250 excessNo ambulance cover
20 of 38 hospital treatments covered
14 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$400 yearly limit shared with 3 other services, smaller limits applyup to $44 back on a first visit
Not covered (17) · Restricted (1)
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
Member retention (hospital cover): 87.9% · Commonwealth Ombudsman, 2024-25
$148.50†a month after the base-tier rebate (24.1%) Two policies: hospital $126.72 + extras $21.78
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%)
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
$149.48†a month after the base-tier rebate (24.1%) Two policies: hospital $133.14 + extras $16.34
Queensland Country Health Fund
Basic Plus$500 excessEmergency ambulanceDiscount for 18 to 29
10 of 38 hospital treatments covered
24 of 27 extras services covered
What the extras pay back
General dental$900 yearly limit shared with other services, smaller limits applyup to $39 back on a check-up
Glasses and contact lenses$215 yearly limitup to $215 back on single vision glasses
Physiotherapy$900 yearly limit shared with 14 other services, smaller limits applyup to $39 back on a first visit
Not covered (25) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$149.54†a month after the base-tier rebate (24.1%)
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
$149.76†a month after the base-tier rebate (24.1%)
AIA Health Insurance
Bronze$750 excessEmergency ambulanceDiscount for 18 to 29
18 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$800 yearly limit shared with 9 other servicesup to $29 back on a check-up
Glasses and contact lenses$800 yearly limit shared with 9 other services, smaller limits applyup to $200 back on single vision glasses
Physiotherapy$800 yearly limit shared with 9 other servicesup to $40 back on a first visit
Not covered (17) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Cataracts
- Dental surgery
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$150.16†a month after the base-tier rebate (24.1%)
Westfund
Westfund
ExtrasStarter Extras
Silver Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess
29 of 38 hospital treatments covered
15 of 27 extras services covered
What the extras pay back
General dental$400 yearly limit shared with root canalup to $28 back on a check-up
Glasses and contact lenses$400 yearly limit shared with other services, smaller limits applyup to $180 back on single vision glasses
Physiotherapy$400 yearly limit shared with other servicesup to $25 back on a first visit
Not covered (8) · Restricted (1)
Not covered
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Insulin pumps
- Joint replacements
- Pain management with device
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 86.3% · Commonwealth Ombudsman, 2024-25
$150.21†a month after the base-tier rebate (24.1%) Two policies: hospital $125.35 + extras $24.86
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
$150.52†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
$150.70†a month after the base-tier rebate (24.1%) Two policies: hospital $122.74 + extras $27.96
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
$150.88†a month after the base-tier rebate (24.1%) Two policies: hospital $112.38 + extras $38.50
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
$150.96†a month after the base-tier rebate (24.1%)
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
$151.94†a month after the base-tier rebate (24.1%) Two policies: hospital $113.44 + extras $38.50
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
$152.08†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
$152.08†a month after the base-tier rebate (24.1%)
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%)
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
$152.33†a month after the base-tier rebate (24.1%) Two policies: hospital $130.21 + extras $22.12
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
$152.64†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
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
$152.64†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
$153.10†a month after the base-tier rebate (24.1%)
Health Partners
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
17 of 27 extras services covered
What the extras pay back
General dental$1,000 yearly limit, shared with 3 other services60% back on a check-up
Glasses and contact lenses$200 yearly limit60% back on single vision glasses
Physiotherapynot covered
Not covered (27) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$153.56†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 $26 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with chiropractic and osteopathyup to $37.70 back on a first visit
Not covered (8) · Restricted (2)
Not covered
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Insulin pumps
- Joint replacements
- Pain management with device
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Rehabilitation
Member retention (hospital cover): 85.4% · Commonwealth Ombudsman, 2024-25
$153.88†a month after the base-tier rebate (24.1%) Two policies: hospital $134.42 + extras $19.46
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
$154.00†a month after the base-tier rebate (24.1%) Two policies: hospital $108.74 + extras $45.26
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
$154.18†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
$154.28†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
$154.82†a month after the base-tier rebate (24.1%) Two policies: hospital $133.17 + extras $21.65
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
$154.97†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
$155.09†a month after the base-tier rebate (24.1%) Two policies: hospital $112.72 + extras $42.37
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
$155.23†a month after the base-tier rebate (24.1%) Two policies: hospital $113.44 + extras $41.79
Health Partners
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29
0 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 (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$155.47†a month after the base-tier rebate (24.1%)
Peoplecare
Basic Plus$500 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
6 of 38 hospital treatments covered
15 of 27 extras services covered
What the extras pay back
General dental$1,000 yearly limit, shared with 13 other services60% back on a check-up
Glasses and contact lenses$200 yearly limitup to $200 back on single vision glasses
Physiotherapy$1,000 yearly limit, shared with 13 other services60% back on a first visit
Not covered (29) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25
$155.84†a month after the base-tier rebate (24.1%)
Health Partners
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
$156.13†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
$156.20†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
$156.26†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 $19.80 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 $31.10 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
$156.36†a month after the base-tier rebate (24.1%) Two policies: hospital $137.92 + extras $18.44
Peoplecare
Bronze Plus$500 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
24 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$800 yearly limit shared with 8 other services60% back on a check-up
Glasses and contact lenses$200 yearly limitup to $200 back on single vision glasses
Physiotherapy$800 yearly limit shared with 8 other services60% back on a first visit
Not covered (12) · Restricted (2)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Rehabilitation
Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25
$156.54†a month after the base-tier rebate (24.1%)
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
$156.61†a month after the base-tier rebate (24.1%)
Latrobe Health Services
Latrobe Health Services
ExtrasBasic Extras
Silver Plus$500 excessEmergency ambulanceDiscount for 18 to 29
28 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$500 yearly limitup to $30.50 back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$250 yearly limit shared with other servicesup to $30 back on a first visit
Not covered (8) · Restricted (2)
Not covered
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Insulin pumps
- Joint replacements
- Pain management with device
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
Member retention (hospital cover): 74.6% · Commonwealth Ombudsman, 2024-25
$157.32†a month after the base-tier rebate (24.1%) Two policies: hospital $140.98 + extras $16.34
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
$157.47†a month after the base-tier rebate (24.1%)
Queensland Country Health Fund
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
26 of 38 hospital treatments covered
24 of 27 extras services covered
What the extras pay back
General dental$900 yearly limit shared with other services, smaller limits applyup to $39 back on a check-up
Glasses and contact lenses$215 yearly limitup to $215 back on single vision glasses
Physiotherapy$900 yearly limit shared with 14 other services, smaller limits applyup to $39 back on a first visit
Not covered (11) · Restricted (1)
Not covered
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$157.91†a month after the base-tier rebate (24.1%)
Health Partners
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
22 of 38 hospital treatments covered
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
$157.93†a month after the base-tier rebate (24.1%)
HCF
HCF
ExtrasHCF STARTER EXTRAS (WITH OPTICAL)
Silver Plus$500 excessEmergency ambulance
29 of 38 hospital treatments covered
8 of 27 extras services covered
What the extras pay back
General dental$400 yearly limit shared with other servicesup to $29 back on a check-up
Glasses and contact lenses$100 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limitup to $42 back on a first visit
Not covered (8) · Restricted (1)
Not covered
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Insulin pumps
- Joint replacements
- Pain management with device
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 83.7% · Commonwealth Ombudsman, 2024-25
$158.05†a month after the base-tier rebate (24.1%) Two policies: hospital $143.29 + extras $14.76
Phoenix Health Fund
BasicAccident only$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
0 of 38 hospital treatments covered
22 of 27 extras services covered
What the extras pay back
General dental$900 yearly limit100% back on a check-up
Glasses and contact lenses$250 yearly limit60% back on single vision glasses
Physiotherapy$800 yearly limit shared with 3 other services, smaller limits apply60% back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 82.5% · Commonwealth Ombudsman, 2024-25
$158.19†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
$158.29†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
$158.34†a month after the base-tier rebate (24.1%) Two policies: hospital $115.88 + extras $42.46
St Lukes
St Lukes
ExtrasStarter Extras
Bronze Plus$250 excessNo ambulance cover
24 of 38 hospital treatments covered
14 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$400 yearly limit shared with 3 other services, smaller limits applyup to $44 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
$158.60†a month after the base-tier rebate (24.1%) Two policies: hospital $136.82 + extras $21.78
Queensland Country Health Fund
Queensland Country Health Fund
ExtrasYoung Extras
Bronze Plus$500 excessEmergency ambulanceDiscount for 18 to 29
26 of 38 hospital treatments covered
14 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with major dentalup to $42 back on a check-up
Glasses and contact lenses$225 yearly limitup to $225 back on single vision glasses
Physiotherapy$400 yearly limitup to $42 back on a first visit
Not covered (11) · Restricted (1)
Not covered
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$158.97†a month after the base-tier rebate (24.1%) Two policies: hospital $128.55 + extras $30.42
Queensland Country Health Fund
Bronze Plus$500 excessEmergency ambulanceDiscount for 18 to 29
26 of 38 hospital treatments covered
14 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with major dentalup to $42 back on a check-up
Glasses and contact lenses$225 yearly limitup to $225 back on single vision glasses
Physiotherapy$400 yearly limitup to $42 back on a first visit
Not covered (11) · Restricted (1)
Not covered
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$158.97†a month after the base-tier rebate (24.1%)
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
$159.08†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
$159.09†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
$159.12†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 $19.80 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 $31.10 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
$159.69†a month after the base-tier rebate (24.1%) Two policies: hospital $141.25 + extras $18.44
Peoplecare
Bronze Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
24 of 38 hospital treatments covered
18 of 27 extras services covered
What the extras pay back
General dental$750 yearly limit60% back on a check-up
Glasses and contact lenses$200 yearly limitup to $200 back on single vision glasses
Physiotherapy$350 yearly limit shared with other servicesup to $45 back on a first visit
Not covered (12) · Restricted (2)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Rehabilitation
Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25
$159.81†a month after the base-tier rebate (24.1%)
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
$159.93†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$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
$160.13†a month after the base-tier rebate (24.1%)
ahm
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
21 of 38 hospital treatments covered
13 of 27 extras services covered
What the extras pay back
General dental$650 yearly limit shared with other services, smaller limits applyup to $28.55 back on a check-up
Glasses and contact lenses$180 yearly limit100% back on single vision glasses
Physiotherapy$200 yearly limitup to $34 back on a first visit
Not covered (14) · Restricted (3)
Not covered
- Assisted reproductive services
- Blood
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 85.4% for Medibank, the insurer of ahm · Commonwealth Ombudsman, 2024-25
$160.18†a month after the base-tier rebate (24.1%) Two policies: hospital $132.22 + extras $27.96
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
$160.76†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
$161.74†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
$162.40†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
$162.56†a month after the base-tier rebate (24.1%)
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 $19.80 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 $31.10 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
$162.65†a month after the base-tier rebate (24.1%) Two policies: hospital $144.21 + extras $18.44
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
$162.74†a month after the base-tier rebate (24.1%)
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
$162.81†a month after the base-tier rebate (24.1%) Two policies: hospital $140.69 + extras $22.12
Health Partners
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29
0 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 (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$162.87†a month after the base-tier rebate (24.1%)
Mildura Health Fund
Mildura Health Fund
ExtrasBase Extras and Dental - AD
Basic Plus$750 excessNo ambulance cover
0 of 38 hospital treatments covered
19 of 27 extras services covered
What the extras pay back
General dental$1,050 yearly limit, shared with other servicesup to $59.85 back on a check-up
Glasses and contact lenses$185 yearly limitup to $185 back on single vision glasses
Physiotherapy$390 yearly limit shared with exercise physiology and occupational therapyup to $27 back on a first visit
Restricted (38)
Restricted
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Hospital psychiatric services
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Palliative care
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Rehabilitation
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Member retention (hospital cover): 89.4% · Commonwealth Ombudsman, 2024-25
$163.30†a month after the base-tier rebate (24.1%) Two policies: hospital $120.24 + extras $43.06
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
$163.43†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
$164.70†a month after the base-tier rebate (24.1%) Two policies: hospital $136.52 + extras $28.18
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
$164.70†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
$164.74†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
$164.88†a month after the base-tier rebate (24.1%) Two policies: hospital $134.46 + extras $30.42
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
$164.88†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
$164.94†a month after the base-tier rebate (24.1%)
Health Partners
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
22 of 38 hospital treatments covered
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
$165.36†a month after the base-tier rebate (24.1%)
HCi
Bronze Plus$750 excessEmergency ambulance
22 of 38 hospital treatments covered
26 of 27 extras services covered
What the extras pay back
General dental$1,100 yearly limitup to $39 back on a check-up
Glasses and contact lenses$240 yearly limitup to $240 back on single vision glasses
Physiotherapy$700 yearly limit shared with exercise physiologyup to $60 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
$165.48†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$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
$165.54†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
$165.71†a month after the base-tier rebate (24.1%) Two policies: hospital $144.06 + extras $21.65
Australian Unity
Australian Unity
ExtrasFocus Extras (FCE)
Bronze Plus$750 excessEmergency ambulanceAlso with $500 excess
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 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 (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): 81.4% · Commonwealth Ombudsman, 2024-25
$165.76†a month after the base-tier rebate (24.1%) Two policies: hospital $120.50 + extras $45.26
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
$165.87†a month after the base-tier rebate (24.1%)
Health Partners
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
22 of 38 hospital treatments covered
10 of 27 extras services covered
What the extras pay back
General dental$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
$165.99†a month after the base-tier rebate (24.1%)
St Lukes
St Lukes
ExtrasStarter Extras
Silver Plus$750 excessNo ambulance cover
30 of 38 hospital treatments covered
14 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$400 yearly limit shared with 3 other services, smaller limits applyup to $44 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): 87.9% · Commonwealth Ombudsman, 2024-25
$166.26†a month after the base-tier rebate (24.1%) Two policies: hospital $144.48 + extras $21.78
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
$166.42†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
$167.94†a month after the base-tier rebate (24.1%) Two policies: hospital $137.93 + extras $30.01
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
$167.99†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$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
$168.42†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
$168.81†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
$168.86†a month after the base-tier rebate (24.1%)
Bupa
Bronze PlusNo excessEmergency ambulanceDiscount for 18 to 29
28 of 38 hospital treatments covered
17 of 27 extras services covered
What the extras pay back
General dental$850 yearly limit shared with 3 other servicesup to $19.80 back on a check-up
Glasses and contact lenses$150 yearly limitup to $148.40 back on single vision glasses
Physiotherapy$500 yearly limit shared with chiropractic and osteopathyup to $31.10 back on a first visit
Not covered (8) · Restricted (2)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Joint replacements
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Rehabilitation
Member retention (hospital cover): 86.1% · Commonwealth Ombudsman, 2024-25
$168.99†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
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
$169.52†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
31 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $26 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with chiropractic and osteopathyup to $37.70 back on a first visit
Not covered (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
$170.35†a month after the base-tier rebate (24.1%) Two policies: hospital $150.89 + extras $19.46
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
$170.36†a month after the base-tier rebate (24.1%) Two policies: hospital $148.10 + 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
$170.36†a month after the base-tier rebate (24.1%)
Health Partners
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29
0 of 38 hospital treatments covered
21 of 27 extras services covered
What the extras pay back
General dentalno yearly limitup to $44.85 back on a check-up
Glasses and contact lenses$200 yearly limit100% back on single vision glasses
Physiotherapy$1,000 yearly limit, shared with 6 other servicesup to $40 back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$170.46†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
$170.47†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
22 of 27 extras services covered
What the extras pay back
General dental$900 yearly limit100% back on a check-up
Glasses and contact lenses$250 yearly limit60% back on single vision glasses
Physiotherapy$800 yearly limit shared with 3 other services, smaller limits apply60% 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
$170.50†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
$170.96†a month after the base-tier rebate (24.1%)
Hunter Health Insurance
Basic PlusNo excessNo ambulance cover
0 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
Restricted (38)
Restricted
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Hospital psychiatric services
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Palliative care
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Rehabilitation
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Member retention (hospital cover): 89.5% for CDH, the insurer of Hunter Health Insurance · Commonwealth Ombudsman, 2024-25
$171.01†a month after the base-tier rebate (24.1%)
Hunter Health Insurance
Hunter Health Insurance
ExtrasHealthy Extras Cover (Single)
Basic PlusNo excessNo ambulance cover
0 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
Restricted (38)
Restricted
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Hospital psychiatric services
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Palliative care
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Rehabilitation
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Member retention (hospital cover): 89.5% for CDH, the insurer of Hunter Health Insurance · Commonwealth Ombudsman, 2024-25
$171.01†a month after the base-tier rebate (24.1%) Two policies: hospital $116.78 + extras $54.23
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
$171.20†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
$171.26†a month after the base-tier rebate (24.1%) Two policies: hospital $145.31 + extras $25.95
Peoplecare
Silver Plus$500 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
$171.43†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
$171.58†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
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
$171.74†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
22 of 27 extras services covered
What the extras pay back
General dental$900 yearly limit100% back on a check-up
Glasses and contact lenses$250 yearly limit60% back on single vision glasses
Physiotherapy$800 yearly limit shared with 3 other services, smaller limits apply60% 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
$171.74†a month after the base-tier rebate (24.1%)
Peoplecare
Basic Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $500 excess
6 of 38 hospital treatments covered
26 of 27 extras services covered
What the extras pay back
General dental$1,000 yearly limit70% back on a check-up
Glasses and contact lenses$250 yearly limitup to $250 back on single vision glasses
Physiotherapy$500 yearly limit shared with other servicesup to $51 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
$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
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
$172.02†a month after the base-tier rebate (24.1%)
Latrobe Health Services
Latrobe Health Services
ExtrasBasic Extras
Silver$250 excessEmergency ambulanceDiscount for 18 to 29
26 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 (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): 74.6% · Commonwealth Ombudsman, 2024-25
$172.03†a month after the base-tier rebate (24.1%) Two policies: hospital $155.69 + extras $16.34
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
$172.14†a month after the base-tier rebate (24.1%)
Phoenix Health Fund
BasicAccident only$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
0 of 38 hospital treatments covered
23 of 27 extras services covered
What the extras pay back
General dental$950 yearly limit100% back on a check-up
Glasses and contact lenses$250 yearly limit60% back on single vision glasses
Physiotherapy$800 yearly limit shared with 3 other services60% back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 82.5% · Commonwealth Ombudsman, 2024-25
$172.78†a month after the base-tier rebate (24.1%)
RT Health
Bronze Plus$700 excessEmergency ambulance
27 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 (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
$173.31†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
$173.32†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
27 of 27 extras services covered
What the extras pay back
General dentalno yearly limitup to $35 back on a check-up
Glasses and contact lenses$300 yearly limit100% back on single vision glasses
Physiotherapy$550 yearly limitup to $60 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
$173.86†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
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 (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
$174.14†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
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 (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
$174.18†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
$174.22†a month after the base-tier rebate (24.1%) Two policies: hospital $143.80 + extras $30.42
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
$174.22†a month after the base-tier rebate (24.1%)
Peoplecare
Peoplecare
ExtrasSimple Extras
Silver Plus$500 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
$174.43†a month after the base-tier rebate (24.1%) Two policies: hospital $144.42 + extras $30.01
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
$174.53†a month after the base-tier rebate (24.1%) Two policies: hospital $148.49 + extras $26.04
RT Health
RT Health
ExtrasValue Extras
Silver Plus$500 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
$174.69†a month after the base-tier rebate (24.1%) Two policies: hospital $146.51 + extras $28.18
RT Health
Silver Plus$500 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
$174.69†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
$174.73†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
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 (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
$174.74†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
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 (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
$174.80†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
$175.23†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
$175.75†a month after the base-tier rebate (24.1%) Two policies: hospital $150.03 + extras $25.72
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%)
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
$176.38†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$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
$176.74†a month after the base-tier rebate (24.1%)
St Lukes
St Lukes
ExtrasStarter Extras
Silver Plus$500 excessNo ambulance cover
30 of 38 hospital treatments covered
14 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$400 yearly limit shared with 3 other services, smaller limits applyup to $44 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): 87.9% · Commonwealth Ombudsman, 2024-25
$177.49†a month after the base-tier rebate (24.1%) Two policies: hospital $155.71 + extras $21.78
Peoplecare
Bronze Plus$500 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
$177.70†a month after the base-tier rebate (24.1%)
Qantas Insurance
Qantas Insurance
ExtrasQantas Starter Extras
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$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 (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% for NIB, the insurer of Qantas Insurance · Commonwealth Ombudsman, 2024-25
$177.84†a month after the base-tier rebate (24.1%) Two policies: hospital $145.44 + extras $32.40
Health Partners
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
22 of 38 hospital treatments covered
21 of 27 extras services covered
What the extras pay back
General dental$800 yearly limitup to $34.50 back on a check-up
Glasses and contact lenses$200 yearly limit100% back on single vision glasses
Physiotherapy$500 yearly limit shared with 6 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
- 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
$178.06†a month after the base-tier rebate (24.1%)
AIA Health Insurance
AIA Health Insurance
ExtrasBase Set Extras Only
Silver$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
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$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 (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
$178.51†a month after the base-tier rebate (24.1%) Two policies: hospital $144.42 + extras $34.09
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
$179.00†a month after the base-tier rebate (24.1%)
Health Partners
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
30 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 (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
$179.14†a month after the base-tier rebate (24.1%)
HCF
HCF
ExtrasHCF STARTER EXTRAS (WITH OPTICAL)
Silver Plus$250 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
$179.23†a month after the base-tier rebate (24.1%) Two policies: hospital $164.47 + extras $14.76
AIA Health Insurance
AIA Health Insurance
ExtrasBase Set Extras Only
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$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 (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
$179.33†a month after the base-tier rebate (24.1%) Two policies: hospital $145.24 + extras $34.09
Peoplecare
Silver Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
29 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 (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
$179.51†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 dentalno yearly limitup to $44.85 back on a check-up
Glasses and contact lenses$200 yearly limit100% back on single vision glasses
Physiotherapy$1,000 yearly limit, shared with 6 other servicesup 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
$179.73†a month after the base-tier rebate (24.1%)
RT Health
Bronze Plus$350 excessEmergency ambulance
27 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 (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
$181.25†a month after the base-tier rebate (24.1%)
Health Partners
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
30 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 (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
$181.34†a month after the base-tier rebate (24.1%)
Health Partners
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
30 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 (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
$182.03†a month after the base-tier rebate (24.1%)
St Lukes
Bronze Plus$750 excessNo ambulance cover
24 of 38 hospital treatments covered
25 of 27 extras services covered
What the extras pay back
General dental$1,000 yearly limit100% back on a check-up
Glasses and contact lenses$300 yearly limitup to $300 back on single vision glasses
Physiotherapy$850 yearly limit shared with 3 other services, smaller limits applyup to $61 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
$182.19†a month after the base-tier rebate (24.1%)
Bupa
Bupa
ExtrasBudget Extras 60
Silver Plus$250 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 $19.80 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 $31.10 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
$182.27†a month after the base-tier rebate (24.1%) Two policies: hospital $163.83 + extras $18.44
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
- 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
$182.51†a month after the base-tier rebate (24.1%)
Queensland Country Health Fund
Queensland Country Health Fund
ExtrasYoung Extras
Silver Plus$500 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
$182.54†a month after the base-tier rebate (24.1%) Two policies: hospital $152.12 + extras $30.42
Queensland Country Health Fund
Silver Plus$500 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
$182.54†a month after the base-tier rebate (24.1%)
Australian Unity
Australian Unity
ExtrasFocus Extras (FCE)
Silver Plus$750 excessEmergency ambulanceAlso with $500 excess
29 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 (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): 81.4% · Commonwealth Ombudsman, 2024-25
$183.37†a month after the base-tier rebate (24.1%) Two policies: hospital $138.11 + extras $45.26
AIA Health Insurance
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29
29 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 (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
$183.48†a month after the base-tier rebate (24.1%)
ahm
Silver$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
26 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 (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): 85.4% for Medibank, the insurer of ahm · Commonwealth Ombudsman, 2024-25
$183.48†a month after the base-tier rebate (24.1%) Two policies: hospital $155.52 + extras $27.96
ahm
Bronze Plus$750 excessEmergency 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$800 yearly limit shared with other servicesup to $30 back on a check-up
Glasses and contact lenses$200 yearly limit100% back on single vision glasses
Physiotherapy$800 yearly limit shared with other servicesup to $37 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
$184.01†a month after the base-tier rebate (24.1%)
Queensland Country Health Fund
Bronze Plus$250 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
$184.06†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
21 of 27 extras services covered
What the extras pay back
General dental$800 yearly limit60% back on a check-up
Glasses and contact lenses$250 yearly limit100% back on single vision glasses
Physiotherapy$400 yearly limit shared with exercise physiology and other services60% 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
$184.14†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$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
$184.69†a month after the base-tier rebate (24.1%)
Health Partners
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
30 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 (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
$184.99†a month after the base-tier rebate (24.1%)
ING Health Insurance
ING Health Insurance
ExtrasING Essential Extras
Silver$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
27 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 (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): 79.0% for NIB, the insurer of ING Health Insurance · Commonwealth Ombudsman, 2024-25
$185.00†a month after the base-tier rebate (24.1%) Two policies: hospital $146.50 + extras $38.50
Phoenix Health Fund
Bronze$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $500 excess
18 of 38 hospital treatments covered
23 of 27 extras services covered
What the extras pay back
General dental$950 yearly limit100% back on a check-up
Glasses and contact lenses$250 yearly limit60% back on single vision glasses
Physiotherapy$800 yearly limit shared with 3 other services60% 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
$185.08†a month after the base-tier rebate (24.1%)
Apia Health Insurance
Apia Health Insurance
ExtrasApia Essential Extras
Silver$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
28 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 (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% for NIB, the insurer of Apia Health Insurance · Commonwealth Ombudsman, 2024-25
$185.24†a month after the base-tier rebate (24.1%) Two policies: hospital $146.74 + extras $38.50
Health Partners
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
22 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 (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
$185.36†a month after the base-tier rebate (24.1%)
Queensland Country Health Fund
Basic Plus$500 excessEmergency ambulanceDiscount for 18 to 29
10 of 38 hospital treatments covered
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
$185.55†a month after the base-tier rebate (24.1%)
Queensland Country Health Fund
Bronze Plus$250 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
$185.71†a month after the base-tier rebate (24.1%)
Peoplecare
Silver Plus$500 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
29 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 (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
$186.00†a month after the base-tier rebate (24.1%)
Phoenix Health Fund
Bronze Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $500 excess
21 of 38 hospital treatments covered
23 of 27 extras services covered
What the extras pay back
General dental$950 yearly limit100% back on a check-up
Glasses and contact lenses$250 yearly limit60% back on single vision glasses
Physiotherapy$800 yearly limit shared with 3 other services60% 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
$186.33†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
21 of 27 extras services covered
What the extras pay back
General dental$800 yearly limit60% back on a check-up
Glasses and contact lenses$250 yearly limit100% back on single vision glasses
Physiotherapy$400 yearly limit shared with exercise physiology and 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): 84.0% · Commonwealth Ombudsman, 2024-25
$186.61†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
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
$186.81†a month after the base-tier rebate (24.1%)
Health Partners
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
30 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 (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
$187.19†a month after the base-tier rebate (24.1%)
Health Partners
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
30 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 (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
$187.82†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
26 of 27 extras services covered
What the extras pay back
General dental$1,000 yearly limit70% back on a check-up
Glasses and contact lenses$250 yearly limitup to $250 back on single vision glasses
Physiotherapy$500 yearly limit shared with other servicesup to $51 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
$188.22†a month after the base-tier rebate (24.1%)
Seniors Health Insurance
Seniors Health Insurance
ExtrasSeniors Essentials Extras
Silver$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
26 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 (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): 79.0% for NIB, the insurer of Seniors Health Insurance · Commonwealth Ombudsman, 2024-25
$188.42†a month after the base-tier rebate (24.1%) Two policies: hospital $146.63 + extras $41.79
Real Health Insurance
Real Health Insurance
ExtrasReal Starter Extras
Silver$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
26 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 (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): 79.0% for NIB, the insurer of Real Health Insurance · Commonwealth Ombudsman, 2024-25
$188.87†a month after the base-tier rebate (24.1%) Two policies: hospital $146.50 + extras $42.37
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$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 (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
$189.10†a month after the base-tier rebate (24.1%)
Health Partners
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
30 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 (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
$189.80†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
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 (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
$189.92†a month after the base-tier rebate (24.1%)
Health Partners
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
30 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 (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
$190.49†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
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 (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
$190.96†a month after the base-tier rebate (24.1%)
HCi
Silver Plus$750 excessNo ambulance coverAlso with $250 excess or $500 excess
31 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 (5) · Restricted (2)
Not covered
- Assisted reproductive services
- Insulin pumps
- Pain management with device
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Rehabilitation
Member retention (hospital cover): 81.3% · Commonwealth Ombudsman, 2024-25
$191.02†a month after the base-tier rebate (24.1%)
RT Health
RT Health
ExtrasValue Extras
Silver Plus$250 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
$191.25†a month after the base-tier rebate (24.1%) Two policies: hospital $163.07 + extras $28.18
RT Health
Silver Plus$250 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
$191.25†a month after the base-tier rebate (24.1%)
ahm
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
31 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 (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% for Medibank, the insurer of ahm · Commonwealth Ombudsman, 2024-25
$192.21†a month after the base-tier rebate (24.1%) Two policies: hospital $164.25 + extras $27.96
St Lukes
Bronze Plus$500 excessNo ambulance cover
24 of 38 hospital treatments covered
25 of 27 extras services covered
What the extras pay back
General dental$1,000 yearly limit100% back on a check-up
Glasses and contact lenses$300 yearly limitup to $300 back on single vision glasses
Physiotherapy$850 yearly limit shared with 3 other services, smaller limits applyup to $61 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
$192.36†a month after the base-tier rebate (24.1%)
Queensland Country Health Fund
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$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
$192.38†a month after the base-tier rebate (24.1%)
Health Partners
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
30 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 (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
$192.42†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
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 (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
$192.42†a month after the base-tier rebate (24.1%)
St Lukes
St Lukes
ExtrasStarter Extras
Silver Plus$250 excessNo ambulance cover
30 of 38 hospital treatments covered
14 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$400 yearly limit shared with 3 other services, smaller limits applyup to $44 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): 87.9% · Commonwealth Ombudsman, 2024-25
$192.74†a month after the base-tier rebate (24.1%) Two policies: hospital $170.96 + extras $21.78
Health Partners
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
22 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 (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
$192.76†a month after the base-tier rebate (24.1%)
Health Partners
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
30 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 (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
$193.05†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
21 of 27 extras services covered
What the extras pay back
General dental$800 yearly limit60% back on a check-up
Glasses and contact lenses$250 yearly limit100% back on single vision glasses
Physiotherapy$400 yearly limit shared with exercise physiology and other services60% 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
$193.07†a month after the base-tier rebate (24.1%)
Health Partners
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29
0 of 38 hospital treatments covered
24 of 27 extras services covered
What the extras pay back
General dentalno yearly limit80% back on a check-up
Glasses and contact lenses$300 yearly limit100% back on single vision glasses
Physiotherapy$1,300 yearly limit, shared with 3 other services, smaller limits applyup to $50 back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$193.22†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
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 (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
$193.24†a month after the base-tier rebate (24.1%)
Health Partners
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
30 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 (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
$193.48†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
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 (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
$193.92†a month after the base-tier rebate (24.1%)
Queensland Country Health Fund
Silver Plus$500 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
$194.04†a month after the base-tier rebate (24.1%)
RT Health
Bronze Plus$700 excessEmergency ambulance
27 of 38 hospital treatments covered
27 of 27 extras services covered
What the extras pay back
General dentalno yearly limitup to $35 back on a check-up
Glasses and contact lenses$300 yearly limit100% back on single vision glasses
Physiotherapy$550 yearly limitup to $60 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
$195.10†a month after the base-tier rebate (24.1%)
HCF
HCF
ExtrasHCF STARTER EXTRAS (WITH OPTICAL)
Silver Plus$750 excessEmergency ambulance
33 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 (4) · Restricted (1)
Not covered
- Assisted reproductive services
- Insulin pumps
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 83.7% · Commonwealth Ombudsman, 2024-25
$195.15†a month after the base-tier rebate (24.1%) Two policies: hospital $180.39 + extras $14.76
HBF
HBF
ExtrasSmart Start Extras
Silver Plus$750 excessEmergency ambulanceAlso with $250 excess or $500 excess
33 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 (4) · Restricted (1)
Not covered
- Assisted reproductive services
- Dialysis for chronic kidney failure
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.4% · Commonwealth Ombudsman, 2024-25
$195.36†a month after the base-tier rebate (24.1%) Two policies: hospital $182.57 + extras $12.79
AIA Health Insurance
Bronze Plus$500 excessEmergency ambulanceDiscount for 18 to 29
22 of 38 hospital treatments covered
21 of 27 extras services covered
What the extras pay back
General dental$800 yearly limit60% back on a check-up
Glasses and contact lenses$250 yearly limit100% back on single vision glasses
Physiotherapy$400 yearly limit shared with exercise physiology and 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): 84.0% · Commonwealth Ombudsman, 2024-25
$195.95†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
26 of 27 extras services covered
What the extras pay back
General dental$1,000 yearly limit70% back on a check-up
Glasses and contact lenses$250 yearly limitup to $250 back on single vision glasses
Physiotherapy$500 yearly limit shared with other servicesup to $51 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
$196.40†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$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 (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
$196.71†a month after the base-tier rebate (24.1%)
Australian Unity
Silver Plus$750 excessEmergency ambulanceAlso with $500 excess
29 of 38 hospital treatments covered
22 of 27 extras services covered
What the extras pay back
General dental$800 yearly limit shared with major dental and root canal50% back on a check-up
Glasses and contact lenses$200 yearly limit100% back on single vision glasses
Physiotherapy$400 yearly limit shared with exercise physiologyup to $50 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): 81.4% · Commonwealth Ombudsman, 2024-25
$197.22†a month after the base-tier rebate (24.1%)
Peoplecare
Silver Plus$500 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
29 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 (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
$197.45†a month after the base-tier rebate (24.1%)
Australian Unity
Silver Plus$750 excessEmergency ambulanceAlso with $500 excess
34 of 38 hospital treatments covered
24 of 27 extras services covered
What the extras pay back
General dentalyearly limit in Details60% back on a check-up
Glasses and contact lenses$250 yearly limit100% back on single vision glasses
Physiotherapy$500 yearly limit shared with exercise physiology60% back on a first visit
Not covered (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 81.4% · Commonwealth Ombudsman, 2024-25
$198.47†a month after the base-tier rebate (24.1%)
Health Partners
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
30 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 (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
$198.64†a month after the base-tier rebate (24.1%)
Hunter Health Insurance
Silver Plus$500 excessNo ambulance coverAlso with $250 excess
30 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 (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
$199.24†a month after the base-tier rebate (24.1%)
Hunter Health Insurance
Hunter Health Insurance
ExtrasHealthy Extras Cover (Single)
Silver Plus$500 excessNo ambulance coverAlso with $250 excess
30 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 (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
$199.24†a month after the base-tier rebate (24.1%) Two policies: hospital $145.01 + extras $54.23
RT Health
Silver Plus$750 excessEmergency ambulance
30 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 (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
$199.56†a month after the base-tier rebate (24.1%)
Queensland Country Health Fund
Queensland Country Health Fund
ExtrasYoung Extras
Silver Plus$250 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
$199.98†a month after the base-tier rebate (24.1%) Two policies: hospital $169.56 + extras $30.42
Queensland Country Health Fund
Silver Plus$250 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
$199.98†a month after the base-tier rebate (24.1%)
Health Partners
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
22 of 38 hospital treatments covered
21 of 27 extras services covered
What the extras pay back
General dentalno yearly limitup to $44.85 back on a check-up
Glasses and contact lenses$200 yearly limit100% back on single vision glasses
Physiotherapy$1,000 yearly limit, shared with 6 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
- 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
$200.35†a month after the base-tier rebate (24.1%)
see-u by HBF
see-u by HBF
ExtrasStarter Extras
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.4% for HBF, the insurer of see-u by HBF · Commonwealth Ombudsman, 2024-25
$200.39†a month after the base-tier rebate (24.1%) Two policies: hospital $180.76 + extras $19.63
Peoplecare
Silver Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
29 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 (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
$200.68†a month after the base-tier rebate (24.1%)
Health Partners
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
30 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 (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
$201.24†a month after the base-tier rebate (24.1%)
Health Partners
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
30 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 (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
$201.86†a month after the base-tier rebate (24.1%)
Bupa
Bupa
ExtrasBudget Extras 60
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29
33 of 38 hospital treatments covered
12 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $19.80 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 $31.10 back on a first visit
Not covered (4) · Restricted (1)
Not covered
- Assisted reproductive services
- Dialysis for chronic kidney failure
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 86.1% · Commonwealth Ombudsman, 2024-25
$202.34†a month after the base-tier rebate (24.1%) Two policies: hospital $183.90 + extras $18.44
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 limit80% back on a check-up
Glasses and contact lenses$300 yearly limit100% back on single vision glasses
Physiotherapy$1,300 yearly limit, shared with 3 other services, smaller limits applyup to $50 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
$202.49†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
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 (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
$202.59†a month after the base-tier rebate (24.1%)
Westfund
Westfund
ExtrasStarter Extras
Silver Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with no excess or $250 excess or $500 excess
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 86.3% · Commonwealth Ombudsman, 2024-25
$202.65†a month after the base-tier rebate (24.1%) Two policies: hospital $177.79 + extras $24.86
Westfund
Westfund
ExtrasStarter Extras
Silver Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with no excess or $250 excess or $500 excess
32 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 (5) · Restricted (1)
Not covered
- Assisted reproductive services
- Dialysis for chronic kidney failure
- Insulin pumps
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 86.3% · Commonwealth Ombudsman, 2024-25
$202.65†a month after the base-tier rebate (24.1%) Two policies: hospital $177.79 + extras $24.86
RT Health
Bronze Plus$350 excessEmergency ambulance
27 of 38 hospital treatments covered
27 of 27 extras services covered
What the extras pay back
General dentalno yearly limitup to $35 back on a check-up
Glasses and contact lenses$300 yearly limit100% back on single vision glasses
Physiotherapy$550 yearly limitup to $60 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
$203.04†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
13 of 27 extras services covered
What the extras pay back
General dental$1,000 yearly limit, shared with 12 other servicesup to $30 back on a check-up
Glasses and contact lenses$1,000 yearly limit, shared with 12 other services, smaller limits applyup to $250 back on single vision glasses
Physiotherapy$1,000 yearly limit, shared with 12 other servicesup to $45 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
$203.33†a month after the base-tier rebate (24.1%)
Health Partners
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
30 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 (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
$203.80†a month after the base-tier rebate (24.1%)
Frank Health Insurance
Frank Health Insurance
ExtrasFrank Bundables $250
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29
31 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 (6) · Restricted (1)
Not covered
- Assisted reproductive services
- Dialysis for chronic kidney failure
- Insulin pumps
- Pain management with device
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 79.9% for GMHBA, the insurer of Frank Health Insurance · Commonwealth Ombudsman, 2024-25
$204.04†a month after the base-tier rebate (24.1%) Two policies: hospital $192.28 + extras $11.76
Phoenix Health Fund
Silver Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $500 excess
27 of 38 hospital treatments covered
22 of 27 extras services covered
What the extras pay back
General dental$900 yearly limit100% back on a check-up
Glasses and contact lenses$250 yearly limit60% back on single vision glasses
Physiotherapy$800 yearly limit shared with 3 other services, smaller limits apply60% 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
$204.65†a month after the base-tier rebate (24.1%)
Health Partners
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
30 of 38 hospital treatments covered
21 of 27 extras services covered
What the extras pay back
General dental$800 yearly limitup to $34.50 back on a check-up
Glasses and contact lenses$200 yearly limit100% back on single vision glasses
Physiotherapy$500 yearly limit shared with 6 other servicesup to $40 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
$205.12†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
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25
$205.26†a month after the base-tier rebate (24.1%) Two policies: hospital $183.14 + extras $22.12
St Lukes
St Lukes
ExtrasStarter Extras
Silver Plus$750 excessNo ambulance cover
35 of 38 hospital treatments covered
14 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$400 yearly limit shared with 3 other services, smaller limits applyup to $44 back on a first visit
Not covered (3)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Member retention (hospital cover): 87.9% · Commonwealth Ombudsman, 2024-25
$205.57†a month after the base-tier rebate (24.1%) Two policies: hospital $183.79 + extras $21.78
AIA Health Insurance
Silver$500 excessEmergency ambulanceDiscount for 18 to 29
26 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 (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
$205.91†a month after the base-tier rebate (24.1%)
ahm
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
31 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 (6) · Restricted (1)
Not covered
- Assisted reproductive services
- Dialysis for chronic kidney failure
- Insulin pumps
- 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
$206.02†a month after the base-tier rebate (24.1%) Two policies: hospital $178.06 + extras $27.96
nib
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with no excess or $250 excess or $500 excess
30 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 (7) · Restricted (1)
Not covered
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Insulin pumps
- Pain management with device
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 79.0% · Commonwealth Ombudsman, 2024-25
$206.20†a month after the base-tier rebate (24.1%) Two policies: hospital $184.55 + extras $21.65
Australian Unity
Australian Unity
ExtrasFocus Extras (FCE)
Silver Plus$750 excessEmergency ambulanceAlso with $500 excess
30 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 (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): 81.4% · Commonwealth Ombudsman, 2024-25
$206.40†a month after the base-tier rebate (24.1%) Two policies: hospital $161.14 + extras $45.26
Queensland Country Health Fund
Bronze Plus$500 excessEmergency ambulanceDiscount for 18 to 29
26 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 (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
$206.48†a month after the base-tier rebate (24.1%)
Peoplecare
Silver Plus$500 excessEmergency and non-emergency ambulanceDiscount for 18 to 29
29 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 (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
$207.17†a month after the base-tier rebate (24.1%)
St Lukes
St Lukes
ExtrasStarter Extras
Silver Plus$500 excessNo ambulance cover
35 of 38 hospital treatments covered
14 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$400 yearly limit shared with 3 other services, smaller limits applyup to $44 back on a first visit
Not covered (3)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Member retention (hospital cover): 87.9% · Commonwealth Ombudsman, 2024-25
$207.54†a month after the base-tier rebate (24.1%) Two policies: hospital $185.76 + extras $21.78
St Lukes
St Lukes
ExtrasStarter Extras
Silver Plus$500 excessNo ambulance cover
31 of 38 hospital treatments covered
14 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$400 yearly limit shared with 3 other services, smaller limits applyup to $44 back on a first visit
Not covered (6) · Restricted (1)
Not covered
- Cataracts
- Dialysis for chronic kidney failure
- Insulin pumps
- Joint replacements
- Pain management with device
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 87.9% · Commonwealth Ombudsman, 2024-25
$207.54†a month after the base-tier rebate (24.1%) Two policies: hospital $185.76 + extras $21.78
Latrobe Health Services
Latrobe Health Services
ExtrasBasic Extras
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 74.6% · Commonwealth Ombudsman, 2024-25
$207.86†a month after the base-tier rebate (24.1%) Two policies: hospital $191.52 + extras $16.34
see-u by HBF
see-u by HBF
ExtrasStarter Extras
Silver Plus$500 excessEmergency ambulanceDiscount for 18 to 29
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.4% for HBF, the insurer of see-u by HBF · Commonwealth Ombudsman, 2024-25
$208.53†a month after the base-tier rebate (24.1%) Two policies: hospital $188.90 + extras $19.63
St Lukes
St Lukes
ExtrasStarter Extras
Gold$750 excessNo ambulance cover
38 of 38 hospital treatments covered
14 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$400 yearly limit shared with 3 other services, smaller limits applyup to $44 back on a first visit
Member retention (hospital cover): 87.9% · Commonwealth Ombudsman, 2024-25
$208.75†a month after the base-tier rebate (24.1%) Two policies: hospital $186.97 + extras $21.78
RT Health
Silver Plus$500 excessEmergency ambulance
30 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 (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
$209.55†a month after the base-tier rebate (24.1%)
Bupa
Bupa
ExtrasBudget Extras 60
Silver Plus$500 excessEmergency ambulanceDiscount for 18 to 29
33 of 38 hospital treatments covered
12 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $19.80 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 $31.10 back on a first visit
Not covered (4) · Restricted (1)
Not covered
- Assisted reproductive services
- Dialysis for chronic kidney failure
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 86.1% · Commonwealth Ombudsman, 2024-25
$209.66†a month after the base-tier rebate (24.1%) Two policies: hospital $191.22 + extras $18.44
Queensland Country Health Fund
Silver Plus$250 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
$209.82†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
34 of 38 hospital treatments covered
9 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $26 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with chiropractic and osteopathyup to $37.70 back on a first visit
Not covered (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 85.4% · Commonwealth Ombudsman, 2024-25
$210.68†a month after the base-tier rebate (24.1%) Two policies: hospital $191.22 + extras $19.46
HCF
HCF
ExtrasHCF STARTER EXTRAS (WITH OPTICAL)
Silver Plus$500 excessEmergency ambulance
33 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 (4) · Restricted (1)
Not covered
- Assisted reproductive services
- Insulin pumps
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 83.7% · Commonwealth Ombudsman, 2024-25
$210.91†a month after the base-tier rebate (24.1%) Two policies: hospital $196.15 + extras $14.76