Hunter Health Insurance
Bronze Hospital 2 Excess $500 Ideal Extras (Family)
Hunter Health Insurance (a CDH Benefits Fund policy)
How $297.32 is worked out
- Premium as filed - $391.82 a month (hospital share $310.06)
- Government rebate - 24.1% of the premium (never of the loading): -$94.50
- A month - $297.32
Go to insurer no commission on this policy
Hospital: what is covered
Covered (23)
- 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
- Hernia and appendix
- Implantation of hearing devices
- Joint reconstructions
- Kidney and bladder
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Podiatric surgery (provided by a registered podiatric surgeon)
- Skin
- Tonsils, adenoids and grommets
Restricted (3)
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Not covered (12)
- 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 means partially covered for hospital costs as a private patient in a public hospital; in a private room or private hospital you may face significant expenses.
Excess, waiting periods and hospital
- Tier - Bronze Plus
- Hospital - Private or public hospital
- Excess - Capped per year. $500 per admission. $1,000 per policy a year.
- Co-payments - None.
- Known gap - Yes, with the fund's doctors
- Age-based discount - Not offered
- Accident cover - Yes
- Travel and accommodation benefits - No
Waiting periods
- Most treatments - 2 months
- Existing conditions - 12 months
- Pregnancy and birth - 12 months
- Rehabilitation, psychiatric and palliative care - 2 months
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental | 2 months | Check-up (item 012): $22.00; Scale and clean (item 114): $36.00; Fluoride treatment (item 121): $25.00; Tooth extraction (item 322): $55.00 | $400 per person a year, 2 services every year |
| Glasses and contact lenses | 2 months | Single vision glasses: $145.00; Multifocal glasses: $185.00 | 1 appliance every year |
| Prescriptions not on the PBS | 2 months | Prescription: $50.00 | $450 per person a year |
| Physiotherapy | 2 months | First visit: $36.00; Follow-up visit: $30.00 | $600 per person a year (shared with other services) |
| Chiropractic | 2 months | First visit: $26.00; Follow-up visit: $22.00 | $600 per person a year (shared with other services) |
| Podiatry | 2 months | First visit: $25.00; Follow-up visit: $22.00 | $600 per person a year (shared with other services) |
| Psychology | 2 months | First visit: $25.00; Follow-up visit: $25.00 | $600 per person a year (shared with other services) |
| Acupuncture | 2 months | First visit: $25.00; Follow-up visit: $22.00 | $600 per person a year (shared with other services) |
| Remedial massage | 2 months | First visit: $30.00; Follow-up visit: $20.00 | $600 per person a year (shared with other services) |
| Dietitian | 2 months | First visit: $25.00 | $600 per person a year (shared with other services) |
| Occupational therapy | 2 months | First visit: $28.00 | $600 per person a year (shared with other services) |
| Speech therapy | 2 months | First visit: $36.00 | $600 per person a year (shared with other services) |
Not covered: Major dental, Root canal, Braces, Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, Chinese herbal medicine, Exercise physiology, Eye therapy (orthoptics), Health management programs, Home nursing, Orthotics, Osteopathy, Vaccinations.
Other services, as filed: Does not include treatment for: Alexander technique; Aromatherapy; Bowen therapy; Buteyko; Feldenkrais; Western herbalism; homeopathy; iridology; kinesiology; naturopathy; Pilates; reflexology; Rolfing; Shiatsu; Tai chi; Yoga
Other Dental benefits included Restorations i.e. Fillings, Metallic, 3 or more adhesive, and Posterior tooth 3 or more surfaces
Ambulance
No ambulance cover.
Agreement hospitals in Queensland
Hunter Health Insurance has agreements with 85 private hospitals here, as filed with the Ombudsman.
The list
- Belmont Private Hospital - Carina
- Brisbane Day Surgery - Spring Hill (day hospital)
- Brisbane Endoscopy Service - Sunnybank (day hospital)
- Brisbane Private Hospital - Brisbane
- Buderim Gastroenterology Centre - Maroochydore (day hospital)
- Buderim Private Hospital - Buderim
- Bundaberg Private Day Hospital - Kensington (day hospital)
- Caboolture Private Hospital - Caboolture
- Cairns Private Hospital - Cairns
- Chermside Day Hospital - Chermside (day hospital)
- Currumbin Clinic - Currumbin
- Eastern Endoscopy Centre - Birkdale (day hospital)
- Eden Private Hospital - Cooroy
- Eye-Tech Day Surgeries - Spring Hill (day hospital)
- Eye-Tech Day Surgeries Southside - Upper Mount Gravatt (day hospital)
- FMC Dialysis Clinic North Lakes - North Lakes (day hospital)
- Far North Day Hospital - Cairns (day hospital)
- Friendly Society Private Hospital - Bundaberg West
- Gold Coast Eye Hospital - Robina Town Centre (day hospital)
- Gold Coast Private Hospital - Southport
- Greenslopes Private Hospital - Greenslopes
- Hervey Bay Surgical Hospital - Pialba
- Hillcrest - Rockhampton Private Hospital - Rockhampton
- Icon Cancer Centre Chermside - Chermside (day hospital)
- Icon Cancer Centre Mackay - Mackay (day hospital)
- Icon Cancer Centre North Lakes - North Lakes (day hospital)
- Icon Cancer Centre South Brisbane - South Brisbane (day hospital)
- Icon Cancer Centre Southport - Southport (day hospital)
- Icon Cancer Centre Townsville - Hyde Park (day hospital)
- Icon Cancer Centre Wesley - Auchenflower (day hospital)
- Ipswich Day Hospital - Ipswich (day hospital)
- John Flynn Private Hospital - Tugun
- Kawana Private Hospital - Birtinya
- MSI Brisbane - Bowen Hills (day hospital)
- Mackay Specialist Day Hospital - North Mackay (day hospital)
- Mater Private Hospital (South Brisbane) - South Brisbane
- Mater Private Hospital Bundaberg - Bundaberg
- Mater Private Hospital Gold Coast - Southport
- Mater Private Hospital Mackay - North Mackay
- Mater Private Hospital Mackay (Wellington Street Campus) - Mackay (day hospital)
- Mater Private Hospital Redland - Cleveland
- Mater Private Hospital Rockhampton - Rockhampton
- Mater Private Hospital Springfield - Springfield Central
- Mater Private Hospital Townsville - Pimlico
- Mater Private Hospital Townsville (Hyde Park Campus) - Hyde Park
- Mater Women's & Children's Private Health Services - South Brisbane
- Mt Gravatt Private Hospital - Upper Mount Gravatt (day hospital)
- Nambour Selangor Private Hospital - Nambour
- Noosa Hospital - Noosaville
- North Lakes Day Hospital - North Lakes (day hospital)
- North Queensland Day Surgical Centre - Pimlico (day hospital)
- North West Private Hospital (Qld) - Everton Park
- Pacific Private Hospital - Southport
- Peninsula Private Hospital (Qld) - Kippa-Ring
- Pindara Day Procedure Centre - Benowa (day hospital)
- Pindara Private Hospital - Benowa
- Pine Rivers Private Hospital - Strathpine
- Ramsay Clinic Cairns - North Cairns
- Ramsay Clinic Caloundra - Caloundra
- Ramsay Clinic New Farm - New Farm
- Ramsay Surgical Centre Cairns - Cairns (day hospital)
- RiverCity Private Hospital - Auchenflower (day hospital)
- Robina Private Hospital - Robina
- Short Street Day Surgery - Southport (day hospital)
- Southside Endoscopy Centre - Springwood (day hospital)
- Spring Hill Specialist Day Hospital - Spring Hill (day hospital)
- St Andrew's Ipswich Private Hospital - Ipswich
- St Andrew's Toowoomba Hospital - Toowoomba
- St Andrew's War Memorial Hospital - Spring Hill
- St Stephen's Hospital Hervey Bay - Urraween
- St Vincent's Private Hospital Brisbane - Kangaroo Point
- St Vincent's Private Hospital Northside - Chermside
- St Vincent's Private Hospital Toowoomba - Toowoomba
- Sunnybank Private Hospital - Sunnybank
- Sunshine Coast Day Surgery - Maroochydore (day hospital)
- Sunshine Coast Haematology and Oncology Clinic - Buderim (day hospital)
- Sunshine Coast University Private Hospital - Birtinya
- The Solace Clinic - Maroochydore (day hospital)
- The Southport Private Hospital - Southport
- The Wesley Hospital - Auchenflower
- Toowoomba Surgicentre - Toowoomba (day hospital)
- Townsville Day Surgery - Townsville (day hospital)
- Townsville Private Clinic - Townsville City
- Vision Centre Day Surgery - Southport (day hospital)
- Westside Private Hospital - Taringa
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
| State | Who is covered | Excess | A month, as filed |
|---|---|---|---|
| NSW | Me and my partner | $500 | $391.82 |
| NSW | My family | $500 | $391.82 |
| NSW | Just me | $500 | $195.91 |
| NT | Me and my partner | $500 | $391.82 |
| NT | My family | $500 | $391.82 |
| NT | Just me | $500 | $195.91 |
| QLD | Me and my partner | $500 | $391.82 |
| QLD | My family | $500 | $391.82 |
| QLD | Just me | $500 | $195.91 |
| SA | Me and my partner | $500 | $391.82 |
| SA | My family | $500 | $391.82 |
| SA | Just me | $500 | $195.91 |
| TAS | Me and my partner | $500 | $391.82 |
| TAS | My family | $500 | $391.82 |
| TAS | Just me | $500 | $195.91 |
| VIC | Me and my partner | $500 | $391.82 |
| VIC | My family | $500 | $391.82 |
| VIC | Just me | $500 | $195.91 |
| WA | Me and my partner | $500 | $391.82 |
| WA | My family | $500 | $391.82 |
| WA | Just me | $500 | $195.91 |
Member retention (hospital cover)
89.5% is the Commonwealth Ombudsman's figure for CDH, the insurer of Hunter Health Insurance, in its State of the Health Funds Report 2024-25 (Table 1, page 15; data at 30 June 2025).
The Ombudsman describes it as one measure of the comparative effectiveness of insurers and of their level of member satisfaction: the percentage of members, hospital memberships only, who have remained with the insurer for 2 years or more (page 12). It is published for the insurer, not for this policy, and is not adjusted for policies that lapse when a member dies. The Ombudsman cautions that no single indicator shows an insurer's overall performance (page 27).
It is shown as published. The list is not sorted, filtered or ranked by it.
Member retention is the Commonwealth Ombudsman's figure, from its State of the Health Funds Report 2024-25. Source: Licensed from the Commonwealth Ombudsman under a Creative Commons 4.0 licence. This report is available from the Commonwealth Ombudsman website at www.ombudsman.gov.au.
Where this comes from
Policy details come from the PrivateHealth.gov.au dataset published by the Private Health Insurance Ombudsman on data.gov.au (release of 1 Oct 2026), licensed under Creative Commons Attribution 3.0 Australia. Statement J30/TCYO2D, filed by CDH Benefits Fund, issued 1 Apr 2026.
† Monthly premium: the premium the insurer filed with the Private Health Insurance Ombudsman for this state, household and excess, before the Australian Government rebate. Answer the income and age questions and every figure becomes the premium after your rebate, with any Lifetime Health Cover loading added to the hospital share (the rebate never applies to the loading) and the age-based discount taken off it where the policy offers one. Insurers may quote a different payment frequency and round each step; check the figure with the insurer before you join.
No insurer pays to appear on this list or for its place in it. LookFirst does not say which tier or policy suits you. The filters are your own questions.