Health Insurance

Health insurance provides you and your family benefits above and beyond the Medicare services all Australians can access. You'll be able to skip public hospital waiting lists for some procedures by choosing your own doctor in a private hospital, or see the benefits of being treated as a private patient in a public hospital. Plus, you can have access to services like Dental, Optical and Ambulance.
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Choosi’s team of Choosers can help you compare the benefits and prices of a range of health insurance policies so you can confidently choose cover that suits your needs, budget and lifestyle. Learn More  

 

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Find the level of cover that's right for you

Generally, there are three main types of private health cover to consider. You can buy them separately or as a combined policy.
Hospital cover

Hospital Cover

Covers you for in-patient hospital expenses with your choice of doctor and hospital from your fund’s approved hospital list. Plus, with hospital cover, you will receive tax benefits where applicable.

Extras cover

Extras Cover

Receive benefits for health services that Medicare doesn't cover, like Dental, Optical, Physiotherapy and more.

Combined cover

Combined Cover

Includes the benefits of both Hospital and Extras Cover.


Learn more about health insurance

Choosing insurance can be complicated and confusing. These clear, simple articles provide general information aiming to help you understand more about health insurance, how it works and why you should be considering it.

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    Private health insurance rebate

    The private health insurance rebate is designed to help cover the cost of health insurance premiums and applies to both Hospital and Extras Cover.

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    Medicare levy surcharge

    The medicare levy surcharge is an extra 1-1.5% tax incurred by those who earn over a certain threshold and do not have eligible private hospital cover.

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    Switching health funds

    By comparing regularly, you can make sure you've obtained the most cost-effective health insurance policy to suit your changing needs and lifestyle. Switching health funds could save you money in the long run.

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    Taking out hospital and extras cover

    There are three types of policies you can take out: Hospital Cover, Extras Cover and Combined Cover. Here's what you need to know about these different types of health insurance covers.

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    Health insurance waiting periods

    Waiting periods differ depending on your health fund and your situation. Generally, they can vary from no waiting period at all to 12-months.

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    Comparing health insurance

    It’s time to find the best health insurance for you and your family. Let’s take a look at how to compare the different types of health insurance that are on offer from Choosi.


Our commitment under the Code of Conduct

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Choosi is proud to be a member of the Private Health Insurance Intermediaries Association (PHIIA), the key representative body for Private Health Insurance Intermediaries.

As a PHIIA member, Choosi abides by the Private Health Insurance Intermediaries Code of Conduct and is committed to helping customers make better informed decisions about their Health Insurance by providing clear, easy to understand information. We are also committed to providing high service standards and remaining compliant with all legal requirements as outlined in the Code of Conduct.

Frequently asked questions

View all FAQs 

Here are some great reasons to protect yourself with insurance:
  1. Avoid long waiting lists for surgery: Private patients generally have much shorter waiting periods and greater flexibility in scheduling elective surgery than patients on public hospital waiting lists.
  2. Choose your preferred doctor and hospital: Private health insurance allows you to choose your own doctor and participating hospital for treatment.
  3. Save money on tax: Avoid the Medicare Surcharge Levy by taking out hospital cover. This applies for singles earning over $90,000 per annum or couples and families earning over $180,000 per annum.
  4. Access extra fitness & lifestyle services: Many health funds give you access to a great range of extra services like reduced gym membership fees, approved weight loss, quit smoking programs and more, depending on the policy you choose.
  5. Extras cover: Receive benefits toward the cost of dental, optical, physiotherapy and other 'non-hospital' services that Medicare generally doesn't cover.
  6. Choose a cover that suits your needs: Get cover for the things you want and don't pay for services you don't need.
  7. Lock in a low premium: Take out hospital cover before 1 July following your 31st birthday to ensure you won't be affected by a Lifetime Health Cover age loading.
Hospital Cover

Hospital cover refers to coverage by your health fund for in-patient hospital treatment. It covers hospital accommodation, medical costs, theatre fees and doctors' fees. Generally, any medical service listed under the Medicare Benefits Schedule (MBS) can be covered by private hospital insurance. Some services which are not listed, like elective cosmetic surgery or laser eye surgery, may only be covered to a limited extent or not at all.

Many people choose hospital cover because you could:
  1. Save on tax if you're earning over $90,000 per annum as a single or $180,000 per annum as a couple or family, by avoiding the Medicare Levy Surcharge
  2. Avoid lengthy waiting periods for elective surgery in a private hospital
  3. Choose your  doctor and participating private hospital
  4. Save money in the long run by taking out hospital cover early in life and minimising your Lifetime Health Cover age loading
  5. Hospital cover can be taken out separately as a 'hospital only' policy, or combined with extras cover.
Extras Cover

Extras cover pays benefits for out-of-hospital services that generally aren't covered by Medicare, such as dental treatment, prescription glasses, contact lenses and physiotherapy. There is a wide range of extras features that you can choose from to ensure you get covered for the things you're likely to use.
Extras cover can be offered separately or combined with hospital cover. The level of extras cover that you choose will determine the services included and how much you can claim for each service each year.

Combined Hospital and Extras Cover

Combined hospital and extras cover includes benefits for both in-patient hospital treatment and out-of-hospital services that generally aren’t covered by Medicare, such as dental treatment. You may choose a pre-packaged policy that health funds design for different life stages, or you may prefer to mix and match different hospital and extras covers to choose a combination that's right for you.
A waiting period is the amount of time that needs to pass from the start date of your health insurance policy to the time that you can claim on certain services. This is to ensure that no member can make a large claim straight after joining a health fund, then drop their membership, as it would lead to increased premiums for other members.

Most benefits have short waiting periods of just 2 or 6 months, but pre-existing conditions and specific benefits like pregnancy and obstetric services generally have a 12 month waiting period. Before deciding on a policy make sure you are aware of the waiting periods that apply.

Once you've served your waiting periods with one health fund, you generally won't have to re-serve them even if you switch to another health fund, provided you switch to an equivalent or lower level of cover.

Benefit limits refer to the extent of cover offered by your health fund for certain features.

Benefit limits for hospital cover

For hospital cover, benefit limits may include:
  1. Full cover: the cost of treatment is fully covered by the health fund up to the Medicare Benefits Schedule.
  2. Partial cover: your health fund will only pay part of the cost of the treatment, and you will be liable for the remainder.
  3. No cover: your health fund does not pay any part of the cost of treatment.

Benefit limits for extras cover

For extras cover, benefit limits refer to the dollar amount that your health fund will pay up to for a particular service. For example, one policy may pay up to $500 per person per year, for general dental benefits, while another may pay up to $1000. Overall policy limits may also apply. For example, a policy may have a general dental limit of $1000 for all persons covered by the policy.

Benefit Limitation Periods

A Benefit Limitation Period (BLP) is an additional waiting period that the health fund may impose in order to reduce the cost of your health insurance premium. During the BLP you are generally entitled to limited benefits for a particular condition or treatment for a set period of time. After that period of time has elapsed, you would normally be entitled to full benefits for the condition or treatment. BLPs usually commence after the standard waiting periods have been served. For example, hip replacement services may come with a BLP of 12 months, which means you'll need to wait an additional 12 months on top of your regular waiting period before you can claim on this feature.
You can avoid paying extra on your premium by taking out hospital cover by 1 July following your 31st birthday.

This is under the terms of Lifetime Health Cover, which is a Government initiative to encourage people to take out health insurance earlier in life and to keep it. If you do not have Hospital Cover and wish to take out a policy after July 1st following your 31st birthday, you will incur an extra 2% loading on top of your premium for every year you are aged over 30.

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When thinking about your private health insurance options, you should be aware that Lifetime Health Cover applies only to hospital cover, not extras cover.

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