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    Money

    Health insurance

    Australia’s private health insurance changed to a new tiered system on 1 April. Every policy is changing, some more than others. Our insurance experts are here to help you navigate the confusion with unbiased, expert advice. We'll tell you what to expect from your fund, when to switch and how to save.

Will health insurance save you money at tax time?

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Do I Need Health Insurance?

What's changed

Understanding the new system

Buying and switching

Do you need health insurance?

Health insurance is changing

  • Where's our comparison tool?

    The upcoming changes to health insurance affect how our database works. That means there’s a chance our tool won’t recommend the best cover you can get right now.

    We need time to analyse the data and make sure we're giving you great advice. So for now we've taken our tool down to do that work.

    Read more about the changes

Extras insurance

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

More advice

Take action

  • Join our calls for health insurance to be examined

    Sick of high-cost, low-value health insurance?

    The first step to fixing the system is to investigate what’s going wrong right now and find solutions that benefit all Australians.

    Sign our petition for an independent inquiry into private health insurance in Australia and we'll deliver it to the Minister for Health.

    Join our campaign

How the funds rate

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

  • Teachers Health

    A restricted membership health fund for current and former members of education unions and their families.

  • Bupa

    Founded in 1947, Bupa Australia is part of the international Bupa Group that provides health and care services in more than 190 countries.

  • Medibank

    Launched in 1976, Medibank is today one of Australia's largest health funds.

  • Australian Unity

    A mutual company, Australian Unity Health Ltd has a 175-year history in Australia.

  • ACA

    A restricted membership health fund for Seventh-day Adventist Church employees and their families.

  • CBHS corporate

    A nonprofit health fund for individuals and workplaces that also promotes employee wellbeing.

  • CDH

    Launched as a health fund for miners in 1952, now covering the wider community.

  • CUA

    Founded in 1976 by CUA, Australia's largest customer-owned financial services provider.

  • Emergency services health

    Emergency Services Health is a restricted-member nonprofit health fund for Australia's emergency services community.

  • Frank

    A member-based, nonprofit health fund launched by GMHBA in 2009.

  • Health Partners

    A nonprofit mutual organisation founded in South Australia in 1937.

  • Health Care

    HCI is a nonprofit, member-owned health fund that was established in 1938.

  • Health.com.au

    An online-only health fund, owned by Australian nonprofit health fund GMHBA.

  • Latrobe Health Services

    A nonprofit health fund that was established in 1951.

  • Nurses & Midwives Health

    A restricted membership health fund for current and former members of a nursing/midwifery union and their families.

  • Mildura Health

    A nonprofit, member-owned regional health fund, operating since 1929.

  • Navy Health

    A restricted membership health fund for current and former members of the wider defence community.

  • Phoenix

    A mutual nonprofit private health insurer, established in 1953 originally for the steel industry.

  • Police Health

    A restricted membership health fund for employees of police departments and unions and their eligible family members.

  • Queensland Country Health

    A member-owned regional-based health fund established in 1977.

  • RT Health

    RT Health is a restricted-member nonprofit health fund for transport and energy sector employees and their families.

  • Transport Health

    Owned by the nonprofit RT Health Fund, it was founded in 1888, originally for tram workers.

  • TUH Health

    TUH Health Fund is a restricted-membership health insurer open to past and present members of a union and their families.

  • Westfund Health

    A nonprofit health fund that began in 1953 for miners, it continues to focus on regional communities today.

  • HCF

    Established in 1932, HCF is Australia's largest nonprofit health fund.

  • NIB

    Established 60 years ago, NIB provides health cover to more than a million Australians.

  • HBF

    A nonprofit health fund founded in WA in 1941 with almost a million members nationally.

  • AHM

    Online health fund that began in regional NSW 40 years ago, now owned by Medibank Private.

  • GMHBA

    A member-based, nonprofit health fund which began in Geelong in 1934, GMHBA also owns Frank and Health.com.au health funds.

  • Defence Health

    Defence Health is a restricted-membership health fund for the Australian Defence Force and wider defence community.

  • CBHS Health Fund

    CBHS Health Fund, established in 1951, is a nonprofit, member-owned health insurer for employees of the Commonwealth Bank Group.

  • Doctors' Health Fund

    Doctors' Health Fund was established in 1977 to provide health insurance for healthcare professionals and their families.

  • HIF

    A nonprofit and carbon-neutral health fund, originally founded in WA in 1954.

  • Peoplecare

    A national, nonprofit health fund established in 1953.

  • St.LukesHealth

    A nonprofit health fund first established in Tasmania in 1952.

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