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Life Stages What stage of life you’re in

New to health insurance

If you’ve never had health insurance, here’s everything you need to know to choose a policy – without the jargon.

In your 20s

From cost to cover types, we help you decide what health insurance is right for you.

In your 30s

Understand your options, compare costs and choose health insurance that fits you.

Starting a family

Everything you need to know about health insurance for childbirth and cover for your children.

For seniors

Decide whether you need health cover in the second half of your life, and choose a policy that fits your needs.

Compare Need specific covers? Have a look at what’s available

Compare dental cover from every insurer

Quickly understand what dental cover includes, what it costs, and compare Extras Cover policies to meet your health needs and budget.

Compare physio cover from every insurer

What your health insurance for physiotherapy includes, what it costs, and how to compare every policy.

Compare optical cover and save

Everything you need to quickly find optical health cover that meets your needs and budget.

Compare mental health cover from every insurer

Learn how health insurance can support your mental health, what it costs, and easily compare policies.

Compare health insurance to lower your tax

Find out how to avoid the Medicare Levy Surcharge, and compare health insurance policies to reduce your tax.

Guides Explore our 13 Guides to find everything you need to know about the Australian Health System and private health insurance.

Australian Health System (25 articles) Health Insurance Prices (20 articles) Private Health Insurance (34 articles) Private Health Insurers (15 articles) Medicare (28 articles) Medicare Benefits Schedule (MBS) (6 articles) Pharmaceutical Benefits Scheme (PBS) (8 articles) Public Hospitals (6 articles) Private Hospitals (7 articles) Medicare Levy (7 articles) Private Health Insurance Rebate (7 articles) Age-based Discount (5 articles) Lifetime Health Cover Loading (11 articles)

Cover Understand the different types of cover – Hospital Cover, Extras Cover, Ambulance Cover and the Excluded Treatments.

Hospital Cover (9 articles) Extras Cover (6 articles) Ambulance Cover (5 articles) Excluded Treatments

Insurers Find out everything you need to know about all registered health insurers in Australia and the brands that sell health insurance.

AAMI Health Insurance

ACA Health

ahm

AIA Health Insurance

Allianz Care Australia

APIA Health Insurance

Astute Simplicity Health

Australian Unity

Bupa Health Insurance

CBHS Corporate

CBHS Health

CBHS International Health

Defence Health

Doctors’ Health

Emergency Services Health

Frank

GMHBA

GU Health

HBF

HCF

HCi

Health Partners

HIF

Hunter Health Insurance

ING Health Insurance

Latrobe Health Services

Medibank

Mildura Health Fund

Navy Health

nib

Nurses & Midwives Health

onemedifund

Peoplecare

Phoenix Health Fund

Police Health

Priceline Health Insurance

Qantas Insurance

Queensland Country Health Fund

Real Health Insurance

Reserve Bank Health Society (RBHS)

RT Health

see-u by HBF

Seniors Health Insurance

St Lukes Health

Suncorp Health Insurance

Teachers Health

Territory Health Fund

Transport Health

TUH

UniHealth

Union Health

Westfund

News Stay up-to-date with the latest health insurance news and developments.

Senate shelves over-65s health insurance Rebate cut

Controversial changes to the Private Health Insurance Rebate face an uncertain future, after the Senate voted to remove the legislation from its notice paper. However Minister for Health Mark Butler has reintroduced the bill. The government had proposed changing the structure of the Rebate so that people on low incomes would receive the same premium reduction...

Govt clamps down on health insurers ahead of 2027 premium rises

Health insurers are under greater scrutiny as they apply to increase premiums in 2027. Premiums for Hospital Cover and Extras Cover can only be raised once a year, to government-approved levels. Information for 1 April 2027 premium rises was released late September 2026, and the government has issued a Statement of Expectations warning that insurers will need to offer “meaningful consumer choice without unnecessary complexity”. In particular, applications for 2027 premium increases need to: From 2 April 2027, insurers will also need government approval...

Health Insurance Premium Increase Annual Report 2026

In this report, healthslips.com.au has used its comprehensive industry data and crunched the numbers to show who was worst affected by the 2026 premium increases, broken down by Hospital Cover tier, family status, state and territory.

Govt bans ‘product phoenixing’ by health insurers

The government has made it illegal for health insurers to close policies then open similar policies at a much higher price – a practice known as product phoenixing. Health insurers are only allowed to raise premiums of existing policies once a year to a government-approved level. However some health insurers have been exploiting a loophole by closing a policy to new customers, then launching a new, similar policy at a higher price. As reported by...

Hospital Cover benefits up 32.5%, new data shows

Benefits for Hospital Cover treatments are up, with new data showing a 32.5% increase for the June 2026 quarter compared to the March quarter. The latest data from government regulator APRA shows health insurers paid $5.3 billion in benefits for private hospital treatments, including accommodation, nursing and medical services. The report also found: Earlier this year, Dr Rachel David, CEO of Private Healthcare Australia (peak body for...

Comparison sites blamed for health cover premium rises

Medibank chief executive David Koczkar has blamed health insurance comparison sites for high premiums, saying commissions have driven up premiums by as much as 30%.According to a story in the Australian Financial Review, upfront commissions paid by insurers to aggregators were between 20% and 30% of the premium paid, Koczkar said. If an insurer did...

More people paying Medicare Levy Surcharge, new ATO data shows

The number of Australians paying the Medicare Levy Surcharge at tax time continues to rise. New data from the Australian Tax Office shows the number of people who paid the Surcharge jumped from 768,537 in 2022-23, to 885,087 in 2023-24 – a 15% increase. The Medicare Levy Surcharge (MLS) applies to people who earn above the ATO income threshold and do not have Hospital Cover covering all members of their household. The thresholds...

Four-tier system driving up the cost of Gold cover, actuary says

Health insurance regulations mean top-level cover has increasingly become unaffordable for many Australians. That’s the finding in an Actuaries Digital article, which suggests that the 4 tiers – Basic, Bronze, Silver and Gold – should be restructured. The number of Australians with Gold tier policies has dropped from 95% in 2005 to just 30% in 2026, due to younger claimers being concentrated on expensive Gold policies. This means many people do not have access to services such as private maternity cover, assisted reproductive services...

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