Why do I need it?

Why you’re better off with private health insurance

With private health insurance you get the treatment you need, when you need it. Avoid the lengthy queues in the public health system and get timely treatment from a doctor of your choice in one of the hundreds of 'agreement' private hospitals across Australia.

Private health insurance gives you the choice and peace of mind you and your family deserve.

Peace of mind

Manage the costs of hospital admissions and medical treatment and get access to the best care when you need it. Hospital accommodation, theatre fees and intensive care covered according to gold, silver, bronze or basic clinical categories.

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Treatment when you need it

Many common surgeries will be classified as ‘elective’ in the public hospital system. You may face a lengthy wait for elective surgery in a public hospital. And while you wait, your quality of life may be impacted. Hospital cover gives you the option to have your surgery sooner and get you back to doing the things you love. That’s why two thirds of all elective surgery in Australia takes place in a private hospital.

Get money back on extras

General treatment is the everyday health care that helps keep you well. Extras cover lowers the cost of visiting the dentist, chiro, physio, speech or occupational therapist or other general treatment providers. The cost of these appointments can add up quickly, particularly if you have an injury or condition requiring treatment over a period of time. With extras cover and our flexi-limits you can enjoy getting money back on services that you use.

Choose your care

Control your care by choosing your doctor, specialist and the private hospital you’re treated in. Unlike the public system where you’re assigned a doctor by the hospital, private hospital cover gives you continuity of care with the specialist of your choice. Your doctor can then treat you at one of the hundreds of 'agreement' private hospitals across Australia.

Ambulance cover anywhere

Even a short ride in an ambulance can be costly. Some of the ambulance trips we pay for cost $10,000, $12,000, $13,000 – and sometimes even more! Private health insurance can cover you clinically necessary for air, sea or road ambulance services by a state-appointed ambulance provider – Australia wide! Non-emergency patient transport services are not covered.