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
Queensland Country Health Fund
Silver Plus$250 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
$211.48†a month after the base-tier rebate (24.1%)
RT Health
RT Health
ExtrasValue Extras
Silver Plus$750 excessEmergency ambulance
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- 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
$211.62†a month after the base-tier rebate (24.1%) Two policies: hospital $183.44 + extras $28.18
RT Health
Silver Plus$750 excessEmergency ambulance
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- 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
$211.63†a month after the base-tier rebate (24.1%)
HCi
Silver Plus$750 excessNo ambulance coverAlso with $500 excess
30 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 (6) · Restricted (2)
Not covered
- Cataracts
- Dialysis for chronic kidney failure
- Insulin pumps
- Joint replacements
- Pain management with device
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Rehabilitation
Member retention (hospital cover): 81.3% · Commonwealth Ombudsman, 2024-25
$212.16†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
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 (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
$212.39†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$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
$212.42†a month after the base-tier rebate (24.1%)
nib
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess
33 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 (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): 79.0% · Commonwealth Ombudsman, 2024-25
$215.21†a month after the base-tier rebate (24.1%) Two policies: hospital $193.56 + extras $21.65
ahm
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
31 of 38 hospital treatments covered
11 of 27 extras services covered
What the extras pay back
General dental$900 yearly limit shared with 9 other servicesup to $30 back on a check-up
Glasses and contact lenses$250 yearly limit100% back on single vision glasses
Physiotherapy$900 yearly limit shared with 9 other servicesup to $37 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
$215.35†a month after the base-tier rebate (24.1%)
HCi
Silver Plus$750 excessEmergency ambulanceAlso with $250 excess or $500 excess
31 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 (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
$215.53†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
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
$215.65†a month after the base-tier rebate (24.1%) Two policies: hospital $199.31 + extras $16.34
GMHBA
GMHBA
ExtrasGMHBA SmartCare Starter Boost Extras with sub-limits
Silver Plus$500 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
$215.81†a month after the base-tier rebate (24.1%) Two policies: hospital $193.69 + extras $22.12
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$1,500 yearly limit80% back on a check-up
Glasses and contact lenses$300 yearly limitup to $300 back on single vision glasses
Physiotherapy$600 yearly limit shared with other servicesup to $59 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
$216.06†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
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 (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
$216.63†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
33 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 (4) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 82.5% · Commonwealth Ombudsman, 2024-25
$216.64†a month after the base-tier rebate (24.1%)
HCF
Silver Plus$750 excessEmergency ambulance
30 of 38 hospital treatments covered
16 of 27 extras services covered
What the extras pay back
General dental$800 yearly limit shared with other servicesup to $33 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 $56 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
- Pain management with device
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 83.7% · Commonwealth Ombudsman, 2024-25
$216.91†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
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 (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
$217.45†a month after the base-tier rebate (24.1%)
Hunter Health Insurance
Basic PlusNo excessNo ambulance cover
0 of 38 hospital treatments covered
24 of 27 extras services covered
What the extras pay back
General dentalyearly limit in Details100% back on a check-up
Glasses and contact lenses$299 yearly limit100% back on single vision glasses
Physiotherapy$700 yearly limit shared with occupational therapy and speech therapy, smaller limits applyup to $40 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
$218.24†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 $250 excess or $500 excess
31 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 (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): 79.0% for NIB, the insurer of Qantas Insurance · Commonwealth Ombudsman, 2024-25
$218.32†a month after the base-tier rebate (24.1%) Two policies: hospital $185.92 + extras $32.40
St Lukes
St Lukes
ExtrasStarter Extras
Gold$500 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
$218.77†a month after the base-tier rebate (24.1%) Two policies: hospital $196.99 + extras $21.78
HIF
Silver Plus$750 excessEmergency and non-emergency ambulanceAlso with $200 excess or $500 excess
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 76.2% · Commonwealth Ombudsman, 2024-25
$218.80†a month after the base-tier rebate (24.1%) Two policies: hospital $192.85 + extras $25.95
Hunter Health Insurance
Bronze Plus$500 excessNo ambulance cover
23 of 38 hospital treatments covered
24 of 27 extras services covered
What the extras pay back
General dentalyearly limit in Details100% back on a check-up
Glasses and contact lenses$299 yearly limit100% back on single vision glasses
Physiotherapy$700 yearly limit shared with occupational therapy and speech therapy, smaller limits applyup to $40 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
$219.09†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
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 (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
$219.24†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
36 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 (1) · Restricted (1)
Not covered
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$219.35†a month after the base-tier rebate (24.1%) Two policies: hospital $188.93 + extras $30.42
Queensland Country Health Fund
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29
36 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 (1) · Restricted (1)
Not covered
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$219.35†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
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 (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
$219.37†a month after the base-tier rebate (24.1%)
Bupa
Bupa
ExtrasBudget Extras 60
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 86.1% · Commonwealth Ombudsman, 2024-25
$219.72†a month after the base-tier rebate (24.1%) Two policies: hospital $201.28 + extras $18.44
Health Partners
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
30 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 (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
$219.81†a month after the base-tier rebate (24.1%)
ahm
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- 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
$220.21†a month after the base-tier rebate (24.1%) Two policies: hospital $192.25 + extras $27.96
ahm
Silver Plus$500 excessEmergency ambulanceDiscount for 18 to 29
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- 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
$220.21†a month after the base-tier rebate (24.1%) Two policies: hospital $192.25 + extras $27.96
Peoplecare
Silver Plus$750 excessEmergency and non-emergency ambulanceAlso with $500 excess
34 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 (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
$220.30†a month after the base-tier rebate (24.1%)
Australian Unity
Silver Plus$750 excessEmergency ambulanceAlso with $500 excess
30 of 38 hospital treatments covered
19 of 27 extras services covered
What the extras pay back
General dental$700 yearly limit shared with other servicesup to $34 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 $52 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
$220.70†a month after the base-tier rebate (24.1%)
Health Partners
Health Partners
ExtrasBase Extras
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$220.90†a month after the base-tier rebate (24.1%) Two policies: hospital $198.64 + extras $22.26
Health Partners
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$220.91†a month after the base-tier rebate (24.1%)
St Lukes
St Lukes
ExtrasStarter Extras
Silver Plus$250 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
$221.35†a month after the base-tier rebate (24.1%) Two policies: hospital $199.57 + extras $21.78
RT Health
Silver Plus$750 excessEmergency ambulance
30 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 (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
$221.35†a month after the base-tier rebate (24.1%)
St Lukes
St Lukes
ExtrasStarter Extras
Silver Plus$250 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
$221.43†a month after the base-tier rebate (24.1%) Two policies: hospital $199.65 + extras $21.78
Queensland Country Health Fund
Bronze Plus$250 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
$221.73†a month after the base-tier rebate (24.1%)
nib
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess
32 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 (5) · Restricted (1)
Not covered
- Assisted reproductive services
- 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
$222.54†a month after the base-tier rebate (24.1%) Two policies: hospital $200.89 + extras $21.65
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 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 (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
$223.11†a month after the base-tier rebate (24.1%)
Australian Unity
Australian Unity
ExtrasFocus Extras (FCE)
Silver Plus$750 excessEmergency ambulanceAlso with $500 excess
33 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 (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): 81.4% · Commonwealth Ombudsman, 2024-25
$223.17†a month after the base-tier rebate (24.1%) Two policies: hospital $177.91 + extras $45.26
Peoplecare
Peoplecare
ExtrasSimple Extras
Silver Plus$750 excessEmergency and non-emergency ambulanceAlso with $500 excess
34 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 (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
$223.30†a month after the base-tier rebate (24.1%) Two policies: hospital $193.29 + extras $30.01
see-u by HBF
see-u by HBF
ExtrasStarter Extras
Silver Plus$250 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
$224.85†a month after the base-tier rebate (24.1%) Two policies: hospital $205.22 + extras $19.63
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 dental$1,000 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 (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
$224.91†a month after the base-tier rebate (24.1%)
AIA Health Insurance
Silver Plus$750 excessEmergency ambulance
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$225.42†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
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 (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
$225.86†a month after the base-tier rebate (24.1%)
RT Health
Silver Plus$250 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
$226.11†a month after the base-tier rebate (24.1%)
Bupa
Bupa
ExtrasBudget Extras 60
Silver Plus$500 excessEmergency ambulanceDiscount for 18 to 29
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 86.1% · Commonwealth Ombudsman, 2024-25
$226.32†a month after the base-tier rebate (24.1%) Two policies: hospital $207.88 + extras $18.44
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 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 (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
$227.41†a month after the base-tier rebate (24.1%)
RT Health
RT Health
ExtrasValue Extras
Silver Plus$500 excessEmergency ambulance
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- 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
$227.67†a month after the base-tier rebate (24.1%) Two policies: hospital $199.49 + extras $28.18
RT Health
Silver Plus$500 excessEmergency ambulance
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- 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
$227.67†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 $250 excess or $500 excess
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- 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
$228.56†a month after the base-tier rebate (24.1%) Two policies: hospital $202.84 + extras $25.72
Bupa
Bupa
ExtrasBudget Extras 60
Silver Plus$250 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
$228.71†a month after the base-tier rebate (24.1%) Two policies: hospital $210.27 + extras $18.44
Suncorp Health Insurance
Suncorp Health Insurance
ExtrasSuncorp Health Insurance Starter Extras
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- 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
$228.92†a month after the base-tier rebate (24.1%) Two policies: hospital $202.88 + extras $26.04
Queensland Country Health Fund
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29
36 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 (1) · Restricted (1)
Not covered
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$229.19†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
36 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 (1) · Restricted (1)
Not covered
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$229.29†a month after the base-tier rebate (24.1%) Two policies: hospital $198.87 + extras $30.42
Queensland Country Health Fund
Silver Plus$500 excessEmergency ambulanceDiscount for 18 to 29
36 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 (1) · Restricted (1)
Not covered
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$229.29†a month after the base-tier rebate (24.1%)
AIA Health Insurance
Silver Plus$750 excessEmergency ambulance
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$229.69†a month after the base-tier rebate (24.1%)
Health Partners
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$229.69†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
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 (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
$230.05†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
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 (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
$230.12†a month after the base-tier rebate (24.1%)
Apia Health Insurance
Apia Health Insurance
ExtrasApia Essential Extras
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
30 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 (7) · Restricted (1)
Not covered
- Assisted reproductive services
- Dialysis for chronic kidney failure
- Insulin pumps
- 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
$230.25†a month after the base-tier rebate (24.1%) Two policies: hospital $191.75 + extras $38.50
Queensland Country Health Fund
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29
36 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 (1) · Restricted (1)
Not covered
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$230.85†a month after the base-tier rebate (24.1%)
Hunter Health Insurance
Basic PlusNo excessNo ambulance cover
0 of 38 hospital treatments covered
23 of 27 extras services covered
What the extras pay back
General dentalyearly limit in Details100% back on a check-up
Glasses and contact lenses$290 yearly limitup to $210 back on single vision glasses
Physiotherapy$700 yearly limit shared with occupational therapy and speech therapyup to $55 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
$230.91†a month after the base-tier rebate (24.1%)
RT Health
Silver Plus$500 excessEmergency ambulance
30 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 (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
$231.33†a month after the base-tier rebate (24.1%)
Mildura Health Fund
Mildura Health Fund
ExtrasBase Extras and Dental - AD
Gold$750 excessNo ambulance coverDiscount for 18 to 29
38 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
Member retention (hospital cover): 89.4% · Commonwealth Ombudsman, 2024-25
$231.66†a month after the base-tier rebate (24.1%) Two policies: hospital $188.60 + extras $43.06
Latrobe Health Services
Latrobe Health Services
ExtrasBasic Extras
Silver Plus$250 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
$231.67†a month after the base-tier rebate (24.1%) Two policies: hospital $215.33 + extras $16.34
Hunter Health Insurance
Silver Plus$500 excessNo ambulance coverAlso with no excess or $250 excess or $750 excess
33 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 (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): 89.5% for CDH, the insurer of Hunter Health Insurance · Commonwealth Ombudsman, 2024-25
$231.69†a month after the base-tier rebate (24.1%)
Hunter Health Insurance
Bronze Plus$500 excessNo ambulance cover
23 of 38 hospital treatments covered
23 of 27 extras services covered
What the extras pay back
General dentalyearly limit in Details100% back on a check-up
Glasses and contact lenses$290 yearly limitup to $210 back on single vision glasses
Physiotherapy$700 yearly limit shared with occupational therapy and speech therapyup to $55 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
$231.77†a month after the base-tier rebate (24.1%)
Health Partners
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$231.89†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
33 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 (4) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 82.5% · Commonwealth Ombudsman, 2024-25
$232.25†a month after the base-tier rebate (24.1%)
ahm
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- 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
$232.31†a month after the base-tier rebate (24.1%) Two policies: hospital $204.35 + extras $27.96
St Lukes
St Lukes
ExtrasStarter Extras
Gold$300 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
$232.43†a month after the base-tier rebate (24.1%) Two policies: hospital $210.65 + extras $21.78
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$1,500 yearly limit80% back on a check-up
Glasses and contact lenses$300 yearly limitup to $300 back on single vision glasses
Physiotherapy$600 yearly limit shared with other servicesup to $59 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
$232.48†a month after the base-tier rebate (24.1%)
Health Partners
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$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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$232.58†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 $250 excess or $500 excess
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- 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
$233.46†a month after the base-tier rebate (24.1%) Two policies: hospital $201.06 + extras $32.40
HCF
HCF
ExtrasHCF STARTER EXTRAS (WITH OPTICAL)
Silver Plus$250 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
$234.48†a month after the base-tier rebate (24.1%) Two policies: hospital $219.72 + extras $14.76
Bupa
Bupa
ExtrasBudget Extras 60
Silver Plus$250 excessEmergency ambulanceDiscount for 18 to 29
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 86.1% · Commonwealth Ombudsman, 2024-25
$234.78†a month after the base-tier rebate (24.1%) Two policies: hospital $216.34 + extras $18.44
Peoplecare
Silver Plus$750 excessEmergency and non-emergency ambulance
34 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 (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
$234.88†a month after the base-tier rebate (24.1%)
Health Partners
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$235.54†a month after the base-tier rebate (24.1%)
HCi
Silver Plus$750 excessEmergency ambulanceAlso with $500 excess
30 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 (6) · Restricted (2)
Not covered
- Cataracts
- Dialysis for chronic kidney failure
- Insulin pumps
- Joint replacements
- Pain management with device
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Rehabilitation
Member retention (hospital cover): 81.3% · Commonwealth Ombudsman, 2024-25
$236.68†a month after the base-tier rebate (24.1%)
ING Health Insurance
ING Health Insurance
ExtrasING Essential Extras
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
31 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 (6) · Restricted (1)
Not covered
- Assisted reproductive services
- Insulin pumps
- 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 ING Health Insurance · Commonwealth Ombudsman, 2024-25
$236.86†a month after the base-tier rebate (24.1%) Two policies: hospital $198.36 + extras $38.50
CDH Benefits Fund
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 (5) · Restricted (3)
Not covered
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Joint replacements
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 89.5% · Commonwealth Ombudsman, 2024-25
$237.06†a month after the base-tier rebate (24.1%)
Health Partners
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$237.74†a month after the base-tier rebate (24.1%)
Health Partners
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$238.37†a month after the base-tier rebate (24.1%)
Seniors Health Insurance
Seniors Health Insurance
ExtrasSeniors Essentials Extras
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
33 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 (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): 79.0% for NIB, the insurer of Seniors Health Insurance · Commonwealth Ombudsman, 2024-25
$238.43†a month after the base-tier rebate (24.1%) Two policies: hospital $196.64 + extras $41.79
AIA Health Insurance
Silver Plus$500 excessEmergency ambulance
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$238.75†a month after the base-tier rebate (24.1%)
Queensland Country Health Fund
Silver Plus$500 excessEmergency ambulanceDiscount for 18 to 29
36 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 (1) · Restricted (1)
Not covered
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$239.13†a month after the base-tier rebate (24.1%)
AIA Health Insurance
Silver Plus$750 excessEmergency ambulance
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$239.15†a month after the base-tier rebate (24.1%)
Health Partners
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$240.34†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$1,500 yearly limit80% back on a check-up
Glasses and contact lenses$300 yearly limitup to $300 back on single vision glasses
Physiotherapy$600 yearly limit shared with other servicesup to $59 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
$240.66†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
25 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 limit100% back on single vision glasses
Physiotherapy$600 yearly limit shared with other services70% 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
$240.72†a month after the base-tier rebate (24.1%)
Queensland Country Health Fund
Silver Plus$500 excessEmergency ambulanceDiscount for 18 to 29
36 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 (1) · Restricted (1)
Not covered
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$240.79†a month after the base-tier rebate (24.1%)
Peoplecare
Silver Plus$500 excessEmergency and non-emergency ambulance
34 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 (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
$241.00†a month after the base-tier rebate (24.1%)
Health Partners
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$241.03†a month after the base-tier rebate (24.1%)
AIA Health Insurance
Silver Plus$750 excessEmergency ambulance
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$241.27†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
25 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 limit100% back on single vision glasses
Physiotherapy$600 yearly limit shared with other services70% 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
$241.54†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
36 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 (1) · Restricted (1)
Not covered
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$242.78†a month after the base-tier rebate (24.1%) Two policies: hospital $212.36 + extras $30.42
Queensland Country Health Fund
Silver Plus$250 excessEmergency ambulanceDiscount for 18 to 29
36 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 (1) · Restricted (1)
Not covered
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$242.78†a month after the base-tier rebate (24.1%)
Health Partners
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$242.97†a month after the base-tier rebate (24.1%)
AIA Health Insurance
Silver Plus$500 excessEmergency ambulance
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$243.02†a month after the base-tier rebate (24.1%)
HCi
Silver Plus$750 excessEmergency ambulanceAlso with $250 excess or $500 excess
31 of 38 hospital treatments covered
26 of 27 extras services covered
What the extras pay back
General dental$1,650 yearly limitup to $45 back on a check-up
Glasses and contact lenses$300 yearly limitup to $300 back on single vision glasses
Physiotherapy$750 yearly limit shared with exercise physiologyup to $70 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
$243.32†a month after the base-tier rebate (24.1%)
Mildura Health Fund
Mildura Health Fund
ExtrasBase Extras and Dental - AD
Gold$500 excessNo ambulance coverDiscount for 18 to 29
38 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
Member retention (hospital cover): 89.4% · Commonwealth Ombudsman, 2024-25
$243.52†a month after the base-tier rebate (24.1%) Two policies: hospital $200.46 + extras $43.06
Health Partners
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$243.60†a month after the base-tier rebate (24.1%)
Health Partners
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$244.02†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
10 of 27 extras services covered
What the extras pay back
General dental$700 yearly limit shared with root canal and other servicesup to $33 back on a check-up
Glasses and contact lenses$250 yearly limit100% back on single vision glasses
Physiotherapy$500 yearly limitup to $40 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
$244.15†a month after the base-tier rebate (24.1%)
Real Health Insurance
Real Health Insurance
ExtrasReal Starter Extras
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
33 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 (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): 79.0% for NIB, the insurer of Real Health Insurance · Commonwealth Ombudsman, 2024-25
$245.11†a month after the base-tier rebate (24.1%) Two policies: hospital $202.74 + extras $42.37
Medibank
Medibank
ExtrasEssential Extras 60
Silver Plus$500 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess
36 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 (2)
Not covered
- Assisted reproductive services
- Pregnancy and birth
Member retention (hospital cover): 85.4% · Commonwealth Ombudsman, 2024-25
$245.74†a month after the base-tier rebate (24.1%) Two policies: hospital $226.28 + extras $19.46
Peoplecare
Silver Plus$750 excessEmergency and non-emergency ambulanceAlso with $500 excess
34 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 (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
$246.33†a month after the base-tier rebate (24.1%)
AIA Health Insurance
AIA Health Insurance
ExtrasBase Set Extras Only
Silver Plus$750 excessEmergency ambulanceAlso with $500 excess
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$246.46†a month after the base-tier rebate (24.1%) Two policies: hospital $212.37 + extras $34.09
Hunter Health Insurance
Silver Plus$500 excessNo ambulance coverAlso with $250 excess
30 of 38 hospital treatments covered
24 of 27 extras services covered
What the extras pay back
General dentalyearly limit in Details100% back on a check-up
Glasses and contact lenses$299 yearly limit100% back on single vision glasses
Physiotherapy$700 yearly limit shared with occupational therapy and speech therapy, smaller limits applyup to $40 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
$246.46†a month after the base-tier rebate (24.1%)
RT Health
Silver Plus$750 excessEmergency ambulance
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- 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
$246.49†a month after the base-tier rebate (24.1%)
Queensland Country Health Fund
Silver Plus$250 excessEmergency ambulanceDiscount for 18 to 29
29 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 (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
$247.49†a month after the base-tier rebate (24.1%)
RT Health
Silver Plus$250 excessEmergency ambulance
30 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 (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
$247.90†a month after the base-tier rebate (24.1%)
HCF
Silver Plus$750 excessEmergency ambulanceAlso with $500 excess
30 of 38 hospital treatments covered
22 of 27 extras services covered
What the extras pay back
General dental$1,200 yearly limit, shared with other servicesup to $35 back on a check-up
Glasses and contact lenses$250 yearly limit100% back on single vision glasses
Physiotherapy$1,200 yearly limit, shared with other servicesup to $58 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
- Pain management with device
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 83.7% · Commonwealth Ombudsman, 2024-25
$248.26†a month after the base-tier rebate (24.1%)
Health Partners
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$249.18†a month after the base-tier rebate (24.1%)
Apia Health Insurance
Apia Health Insurance
ExtrasApia Essential Extras
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess
36 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 (2)
Not covered
- Assisted reproductive services
- Pregnancy and birth
Member retention (hospital cover): 79.0% for NIB, the insurer of Apia Health Insurance · Commonwealth Ombudsman, 2024-25
$249.19†a month after the base-tier rebate (24.1%) Two policies: hospital $210.69 + extras $38.50
HIF
Silver Plus$500 excessEmergency and non-emergency ambulance
34 of 38 hospital treatments covered
12 of 27 extras services covered
What the extras pay back
General dental$600 yearly limit shared with major dental and root canal60% back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$500 yearly limit shared with chiropractic and podiatry60% 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): 76.2% · Commonwealth Ombudsman, 2024-25
$249.80†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
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 (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
$250.17†a month after the base-tier rebate (24.1%)
AIA Health Insurance
Silver Plus$750 excessEmergency ambulance
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$250.61†a month after the base-tier rebate (24.1%)
Health Partners
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$251.78†a month after the base-tier rebate (24.1%)
Health Partners
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$252.41†a month after the base-tier rebate (24.1%)
AIA Health Insurance
Silver Plus$500 excessEmergency ambulance
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$252.47†a month after the base-tier rebate (24.1%)
Queensland Country Health Fund
Silver Plus$250 excessEmergency ambulanceDiscount for 18 to 29
36 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 (1) · Restricted (1)
Not covered
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$252.62†a month after the base-tier rebate (24.1%)
St Lukes
Silver Plus$500 excessNo ambulance cover
35 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 (3)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Member retention (hospital cover): 87.9% · Commonwealth Ombudsman, 2024-25
$253.22†a month after the base-tier rebate (24.1%)
St Lukes
Silver Plus$500 excessNo ambulance cover
31 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 (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
$253.22†a month after the base-tier rebate (24.1%)
Bupa
Bupa
ExtrasBudget Extras 60
Silver PlusNo excessEmergency ambulanceDiscount for 18 to 29
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 86.1% · Commonwealth Ombudsman, 2024-25
$253.37†a month after the base-tier rebate (24.1%) Two policies: hospital $234.93 + extras $18.44
AIA Health Insurance
Silver$500 excessEmergency ambulanceDiscount for 18 to 29
26 of 38 hospital treatments covered
25 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 limit100% back on single vision glasses
Physiotherapy$600 yearly limit shared with other services70% 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
$254.21†a month after the base-tier rebate (24.1%)
Queensland Country Health Fund
Silver Plus$250 excessEmergency ambulanceDiscount for 18 to 29
36 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 (1) · Restricted (1)
Not covered
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25
$254.27†a month after the base-tier rebate (24.1%)
Health Partners
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$254.35†a month after the base-tier rebate (24.1%)
AIA Health Insurance
Silver Plus$500 excessEmergency ambulance
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$254.60†a month after the base-tier rebate (24.1%)
Australian Unity
Australian Unity
ExtrasFocus Extras (FCE)
Silver Plus$750 excessEmergency ambulanceAlso with $500 excess
33 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 (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): 81.4% · Commonwealth Ombudsman, 2024-25
$254.88†a month after the base-tier rebate (24.1%) Two policies: hospital $209.62 + extras $45.26
Hunter Health Insurance
Silver Plus$500 excessNo ambulance coverAlso with no excess or $250 excess or $750 excess
33 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 (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): 89.5% for CDH, the insurer of Hunter Health Insurance · Commonwealth Ombudsman, 2024-25
$254.90†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 no excess or $250 excess or $750 excess
33 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 (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): 89.5% for CDH, the insurer of Hunter Health Insurance · Commonwealth Ombudsman, 2024-25
$254.90†a month after the base-tier rebate (24.1%) Two policies: hospital $200.67 + extras $54.23
Mildura Health Fund
Mildura Health Fund
ExtrasBase Extras and Dental - AD
Gold$250 excessNo ambulance coverDiscount for 18 to 29
38 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
Member retention (hospital cover): 89.4% · Commonwealth Ombudsman, 2024-25
$255.49†a month after the base-tier rebate (24.1%) Two policies: hospital $212.43 + extras $43.06
Health Partners
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$255.66†a month after the base-tier rebate (24.1%)
Peoplecare
Silver Plus$750 excessEmergency and non-emergency ambulance
34 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 (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
$256.04†a month after the base-tier rebate (24.1%)
AIA Health Insurance
Silver Plus$750 excessEmergency ambulance
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$257.05†a month after the base-tier rebate (24.1%)
St Lukes
Gold$750 excessNo ambulance cover
38 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
Member retention (hospital cover): 87.9% · Commonwealth Ombudsman, 2024-25
$257.77†a month after the base-tier rebate (24.1%)
Australian Unity
Australian Unity
ExtrasFocus Extras (FCE)
Silver Plus$750 excessEmergency ambulanceAlso with $250 excess or $500 excess
34 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 (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
$259.02†a month after the base-tier rebate (24.1%) Two policies: hospital $213.76 + extras $45.26
Hunter Health Insurance
Silver Plus$500 excessNo ambulance coverAlso with $250 excess
30 of 38 hospital treatments covered
23 of 27 extras services covered
What the extras pay back
General dentalyearly limit in Details100% back on a check-up
Glasses and contact lenses$290 yearly limitup to $210 back on single vision glasses
Physiotherapy$700 yearly limit shared with occupational therapy and speech therapyup to $55 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
$259.14†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 (5) · Restricted (3)
Not covered
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Joint replacements
- 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
$260.26†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 (5) · Restricted (3)
Not covered
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Joint replacements
- 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
$260.26†a month after the base-tier rebate (24.1%) Two policies: hospital $206.03 + extras $54.23
AIA Health Insurance
Silver Plus$750 excessEmergency ambulance
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$260.37†a month after the base-tier rebate (24.1%)
Peoplecare
Silver Plus$500 excessEmergency and non-emergency ambulance
34 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 (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
$262.16†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
33 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 (4) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 82.5% · Commonwealth Ombudsman, 2024-25
$262.16†a month after the base-tier rebate (24.1%)
RT Health
Silver Plus$500 excessEmergency ambulance
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- 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
$262.53†a month after the base-tier rebate (24.1%)
Health Partners
Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25
$262.96†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
26 of 27 extras services covered
What the extras pay back
General dental$1,500 yearly limit80% back on a check-up
Glasses and contact lenses$300 yearly limitup to $300 back on single vision glasses
Physiotherapy$600 yearly limit shared with other servicesup to $59 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
$263.64†a month after the base-tier rebate (24.1%)
AIA Health Insurance
Silver Plus$750 excessEmergency ambulance
34 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 (3) · Restricted (1)
Not covered
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted
- Hospital psychiatric services
Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25
$263.84†a month after the base-tier rebate (24.1%)
HCi
Silver Plus$750 excessEmergency ambulanceAlso with $500 excess
30 of 38 hospital treatments covered
26 of 27 extras services covered
What the extras pay back
General dental$1,650 yearly limitup to $45 back on a check-up
Glasses and contact lenses$300 yearly limitup to $300 back on single vision glasses
Physiotherapy$750 yearly limit shared with exercise physiologyup to $70 back on a first visit
Not covered (6) · Restricted (2)
Not covered
- Cataracts
- Dialysis for chronic kidney failure
- Insulin pumps
- Joint replacements
- Pain management with device
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Rehabilitation
Member retention (hospital cover): 81.3% · Commonwealth Ombudsman, 2024-25
$264.43†a month after the base-tier rebate (24.1%)