Money
Health insurance
Our insurance experts are here to help you navigate the confusion with unbiased, expert advice. We'll share the best policies, advice and how to save.
Latest news
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Why insurers should reduce health premiums during the coronavirus crisis
We think a 50% drop in the availability of services should mean you pay 50% less on your premiums. -
Should you keep or drop your health insurance during the COVID-19 crisis?
As most funds delayed their yearly premium hike, we look at more options to save. -
Do you need health insurance for the COVID-19 coronavirus?
Or will Medicare and the public health system give you the care you need? -
CHOICE calls for suspension of Lifetime Health Cover loading
In the midst of a pandemic, it's not the time to penalise Australians for dropping or failing to take up health insurance. -
Should you use your private health insurance in a public hospital?
How to make sure you're not left out of pocket if you provide your insurance details.
Buying guide
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What is private health insurance?
Our guide to private health insurance tells you how it works and when to consider private cover:
- • hospital cover and how it works
- • extras cover and how it works
- • taxes and other financial reasons to have cover
Do you need health insurance?
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Will private health insurance save you money?
Don't fall for misleading marketing – taking out cover isn't always a necessity. -
Do you need health insurance to have a baby?
We compare public vs private care, and reveal the best health insurance policies for pregnancy and birth from both open and restricted health funds. -
Should you get health insurance for braces?
Is getting extras cover for orthodontics really worth it? And if it is, how do you find the best insurance for braces? -
How you can pay the Lifetime health Cover loading and be better off
Don't fall for the spin – buy health insurance when you're ready. -
Lifetime health cover for migrants
You'll pay a price if you take out health insurance too late.
Choose and compare
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Find health insurance savings
Compare thousands of health insurance policies with us. 100% independent, we don't take commissions, so we can show you all the funds – big and small, member-owned and nonprofit.
Extras insurance
Extras covers things outside hospital like optical, dental, orthodontics, physio, podiatry and psychology services.
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Best health insurance extras
Our extras recommendations can help you find the best value policy, the best cover on a budget, and the best policy for seniors. -
How much does it cost to see a dentist?
And is there anything you can do to reduce your dental costs? -
Tips to save on extras insurance
How to get the best value cover for extras like dental, optical and physio. -
How to buy the best orthodontic braces
There are lots of different options for braces, but a good practitioner is key to success. -
Why your extras health cover policy is losing value
Watch out for the 'lazy tax' on extras cover. -
Make the most of your extras cover
Need a new set of spectacles, dental check-up or a massage? Now might be the time to get it.
Advice
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How to switch health insurance
Review your health cover, switch and save. -
7 health insurance hacks that will save you money
From hospital insurance to extras cover, here's how to pay less. -
'I saved $1800 by switching my private health insurance'
CHOICE writer Pru Engel didn't pay much attention to her health insurance payments... till she was about to get ripped off.
Take action
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High costs. Low value. Join our call for health insurance to get a check-up
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.
How the funds rate
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Teachers Health
How Teachers Health rates for member complaints, gap cover and ambulance. -
Bupa
How Bupa rates for member complaints, gap cover and ambulance. -
Medibank
How Medibank rates for member complaints, gap cover and ambulance. -
Australian Unity
How Australian Unity Health rates for member complaints, gap cover and ambulance. -
ACA
How ACA Health rates for member complaints, gap cover and ambulance. -
CBHS corporate
How CBHS Corporate Health rates for member complaints, gap cover and ambulance cover. -
CDH
How Hunter Health Insurance rates for member complaints, gap cover and ambulance cover. -
CUA
How CUA Health 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, gap cover and ambulance. -
Health Partners
How Health Partners rates for member complaints, gap cover and ambulance. -
Health Care
How Health Care Insurance rates for member complaints, gap cover and ambulance cover. -
Health.com.au
How Health.com.au rates for member complaints, gap cover and ambulance. -
Latrobe Health Services
How Latrobe Health Services rates for member complaints, gap cover and ambulance. -
Nurses & Midwives Health
How Nurses & Midwives Health rates for member complaints, gap cover and ambulance cover. -
Mildura Health
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. -
Phoenix
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. -
Qantas
How Qantas health insurance rates for member complaints, gap cover and ambulance. -
Queensland Country Health
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. -
Transport Health
How Transport Health rates for member complaints, gap cover and ambulance. -
TUH Health
How TUH rates for member complaints, gap cover and ambulance. -
Westfund Health
How Westfund rates for member complaints, gap cover and ambulance. -
HCF
How HCF rates for member complaints, gap cover and ambulance. -
NIB
How NIB rates for member complaints, gap cover and ambulance. -
HBF
How HBF rates for member complaints, gap cover and ambulance. -
AHM
How AHM rates for member complaints, gap cover and ambulance. -
GMHBA
How GMHBA rates for member complaints, gap cover and ambulance. -
Defence Health
How Defence Health rates for member complaints, gap cover and ambulance. -
CBHS Health Fund
How CBHS rates for member complaints, gap cover and ambulance. -
Doctors' Health Fund
How Doctors' Health Fund rates for member complaints, gap cover and ambulance. -
HIF
How HIF rates for member complaints, gap cover and ambulance. -
Peoplecare
How Peoplecare rates for member complaints, gap cover and ambulance. -
St.LukesHealth
How St.LukesHealth rates for member complaints, gap cover and ambulance cover.
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