Skip to content   Skip to footer navigation 
  • family at medical practice health insurance
    Money

    Health insurance

    Private health cover can be confusing and expensive. Our insurance experts are here to help you with clear, unbiased advice and smart money-saving tips.

Do you need health insurance?

Work out if paying for private health insurance is the right move for you.

Choose and compare health insurance

  • Find health insurance savings

    Looking for cover that's better value? We've built a tool that allows you to compare thousands of health insurance policies.

    Our experts rate policies based on out-of-pocket costs, fund complaints, price and more – and we're 100% independent, which means we don't show sponsored results like other comparison sites. We show you all the funds – big and small, member-owned and nonprofit – to help you find the best.

    Compare health insurance

Review, switch and save

How to review your health cover and save money.

Buying guide

  • What is private health insurance?

    Get an overview of private health insurance in Australia, including how it works and when you should consider it. Our experts look at:

    • • hospital cover and how it works
    • • extras cover and how it works
    • • taxes and other financial reasons to have cover
    •  

    Health insurance explained

Avoid rip-off health cover

Did you know some Bronze policies cost more than Silver policies? Steer clear of these poor-value options.

Finding the right cover

Our experts help you find the best health insurance for your stage of life.

Will health insurance save you money at tax time?

Take our quiz and find out

Do I Need Health Insurance?

Extras insurance

Extras covers things outside hospital like optical, dental, orthodontics, physio, podiatry and psychology services.

How the funds rate

Find out how our experts rate funds on out-of-pocket costs, fund complaints and more.

Funds

We look at the ins and outs of over 40 private health insurers.

  • AAMI

    How NIB rates for member complaints, out-of-pocket costs and ambulance cover.
  • ACA

    How ACA Health rates for member complaints, gap cover and ambulance.
  • AHM

    How AHM rates for member complaints, out-of-pocket costs and ambulance cover.
  • AIA

    How AIA rates for member complaints, gap cover and ambulance.
  • Apia

    How NIB rates for member complaints, out-of-pocket costs and ambulance cover.
  • Australian Seniors

    How NIB rates for member complaints, out-of-pocket costs and ambulance cover.
  • Australian Unity

    How Australian Unity Health rates for member complaints, gap cover and ambulance.
  • Bupa

    How Bupa rates for member complaints, out-of-pocket costs and ambulance cover.
  • CBHS Corporate Health

    How CBHS Corporate Health rates for member complaints, gap cover and ambulance cover.
  • CBHS Health Fund

    How CBHS rates for member complaints, gap cover and ambulance.
  • Defence Health

    How Defence Health rates for member complaints, gap cover and ambulance.
  • Doctors' Health Fund

    How Doctors' Health Fund rates for member complaints, gap cover and ambulance.
  • Emergency Services Health

    How Emergency Services Health rates for member complaints, gap cover and ambulance cover.
  • Frank

    How Frank rates for member complaints, out-of-pocket costs and ambulance cover.
  • GMHBA

    How GMHBA rates for member complaints, out-of-pocket costs and ambulance cover.
  • HBF

    How HBF rates for member complaints, gap cover and ambulance cover.
  • HCF

    How HCF rates for member complaints, gap cover and ambulance cover.
  • Health Care Insurance

    How Health Care Insurance rates for member complaints, gap cover and ambulance cover.
  • Health Partners

    How Health Partners rates for member complaints, gap cover and ambulance.
  • HIF

    How HIF rates for member complaints, gap cover and ambulance.
  • Hunter Health Insurance

    How Hunter Health Insurance rates for member complaints, gap cover and ambulance cover.
  • ING

    How NIB rates for member complaints, out-of-pocket costs and ambulance cover.
  • Latrobe Health Services

    How Latrobe Health Services rates for member complaints, gap cover and ambulance.
  • Medibank

    How Medibank rates for member complaints, out-of-pocket costs and ambulance cover.
  • Mildura Health Fund

    How Mildura Health Fund rates for member complaints, gap cover and ambulance cover.
  • Navy Health

    How Navy Health rates for member complaints, gap cover and ambulance.
  • NIB

    How NIB rates for member complaints, out-of-pocket costs and ambulance cover.
  • Peoplecare

    How Peoplecare rates for member complaints, gap cover and ambulance.
  • Phoenix Health Fund

    How Phoenix Health Fund rates for member complaints, gap cover and ambulance.
  • Police Health

    How Police Health rates for member complaints, gap cover and ambulance.
  • Priceline Health Insurance

    How NIB rates for member complaints, out-of-pocket costs and ambulance cover.
  • Qantas Insurance

    How Qantas rates for member complaints, out-of-pocket costs and ambulance cover. 
  • Queensland Country Health Fund

    How Queensland Country Health Fund rates for member complaints, gap cover and ambulance.
  • RT Health

    How RT Health rates for member complaints, gap cover and ambulance cover.
  • St.LukesHealth

    How St.LukesHealth rates for member complaints, gap cover and ambulance cover.
  • Suncorp

    How NIB rates for member complaints, out-of-pocket costs and ambulance cover.
  • Teachers Health

    Private health fund Teachers Health will increase insurance premiums on 1 October 2023.

CHOICE membership

membership_hero_SML
  • Instant online access to 5000+ expert test results for products and services
  • Free assistance from our consumer rights advisers
  • Support a nonprofit that campaigns for your consumer rights