Health Insurance
Covering medical costs and treatments for you and your family.
Health insurance in Australia helps cover the cost of medical care and treatments. It's typically divided into Hospital cover (for in-hospital treatments and surgeries) and Extras cover (for out-of-hospital services like dental, optical, physio). While Medicare provides free public healthcare, private health insurance gives you faster access to elective treatments, choice of doctors, and coverage for services Medicare doesn't cover. It can also help you avoid the Medicare Levy Surcharge and Lifetime Health Cover loading if you maintain hospital cover.
Start Your QuoteKey Benefits
Private Hospital Access
Allows you to be treated in private hospitals with your choice of doctor and potentially shorter waiting times for elective surgery compared to the public system.
Extras Coverage
Covers additional healthcare costs that Medicare doesn't – like dental, optical (glasses), physiotherapy, and more – helping you manage routine health expenses.
Tax and Lifetime Cover Benefits
Having private hospital cover can save you money at tax time by avoiding the Medicare Levy Surcharge if you're a higher income earner. It also prevents Lifetime Health Cover loading by maintaining cover before turning 31.
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