Health Insurance Comparison
Canstar’s health insurance comparison tool lets you compare the features, fees and premium estimates of policies from a wide range of providers.
Instantly compare 13,000+ Canstar expert rated policies based on the inputs below
Lowest average rate rise of the major health funds
Winner CANSTAR Outstanding Value Award for 8 Years
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The initial results in the table above are sorted by Star Rating (High-Low) , then Monthly premium (approx) (Low-High) , then Provider Name (Alphabetical) . Additional filters may have been applied, see top of table for details.
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Using our comparison tool to find a better deal is free. We may receive a commission from our online partners if you apply for a health insurance policy you find on our site.
Expert research
Our team of health insurance research experts crunch the numbers to rate health insurance based on value (price as well as features) to help you compare. Read the health insurance methodology.
A wide range of insurers
We rate and review health insurance policies from more than 25 brands which means you can compare and choose products from both large and challenger brands, established and new.
Easy to compare & apply
Our health insurance comparison tool allows you to filter your search results so it’s easy to find the right product for you. What’s more, you can click straight through to many of our online insurers, making it easy to apply instantly.
Health insurance guides and resources
Browse our articles and guides to learn more about private health insurance in Australia, how it works and how to make the most of your policy.
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What is private health insurance?
Private health insurance is a type of insurance policy that provides cover for a variety of healthcare options and medical expenses, including costs that Medicare may not cover.
Australians wanting to buy private health insurance can choose hospital cover, extras cover, or a combined policy that includes both.
Learn more about private health insurance and its benefits
Hospital cover
Hospital cover allows a patient to be treated in a private hospital, or to be treated as a private patient in a public hospital, generally with their choice of doctor. It can also cover a portion of the medical expenses involved when you’re admitted to hospital. Hospital policies are offered under “tiers” based on the categories of treatments they cover. Read more about the main tiers Gold, Silver, Bronze and Basic.
Extras cover
Extras cover helps with the expenses of other health services that Medicare does not cover. This could include allied healthcare, such as physiotherapy, chiropractic treatment, dental treatment, glasses and contact lenses. Some policies may also cover lifestyle benefits, such as gym memberships. Read more about extras cover.
Dental cover
Dental cover can help cover general dental treatments such as check ups, cleaning and fillings. It can also cover major dental procedures such as root canals and dentures. Read more about dental cover.
Medicare Levy Surcharge
The Medicare Levy Surcharge is a charge of up to 1.5% that is levied on Australian taxpayers who don’t have hospital cover and earn above a certain income. Read more about the Medicare Levy Surcharge.
Lifetime Health Cover Loading
The Lifetime Health Cover loading is designed to encourage Australians to take out hospital cover when they are young. It charges you a premium loading if you take out cover after your 31st birthday. Read more about the Lifetime Health Cover loading.
Private Health Insurance rebate
The private health insurance rebate can help you save on your health insurance premiums, depending on your age and how much you earn. Read more about the private health insurance rebate.
Looking for the best health insurance?
So how can you find the best health insurance policy for you? A good place to start when comparing private health insurance could be to work out what types of cover or other policy factors are important to you.
Health insurance has different levels of cover suited to different life stages and needs. For example, you may need a hospital policy that covers a particular medical condition, or you may want to ensure you have help paying for your children’s dental work. When considering your health insurance needs, questions you may like to consider could include:
- What health insurance life stage are you at? (e.g. are you single, in a couple, or part of a family with children?)
- Do you want extras cover? If so, what services do you spend money on now? What might you need in the future?
- Do you or your family have any pre-existing conditions that need to be included in the cover?
- What is your budget for premiums and excess payments?
Once you know what policy inclusions are important to you, the excess you are comfortable with and the premium price you can afford, it’s time to compare your options. Canstar can help you compare health insurance providers and make a shortlist of policies that could suit your needs the best, based on features and price.
How does Canstar compare health insurance?
Canstar compares thousands of eligible health insurance products. Every year, we perform a detailed analysis to help you choose a health insurance policy that includes hospital cover, extras cover, or both hospital and extras cover, to suit your household needs and budget.
Whether you’re looking for singles health insurance, couples health insurance, student health insurance, family cover or overseas visitors health insurance, Canstar can help.
Looking for cheap health insurance?
If you want a cheap health insurance policy, a good first step may be to compare premium quotes from a range of providers based on the level of cover you need. It’s important to also factor in the inclusions and exclusions for each policy you’re considering when shopping around. A cheap health insurance policy might save you money each month, but it’s important to make sure you have the hospital or extras cover you might need to avoid any surprises in the future. Is there a trade-off when it comes to the number of conditions and treatments you’re covered for, compared to a more extensive policy that may cost more? For example, for a cheap health insurance option you might decide on a Basic level hospital policy, but this would likely offer less cover than a Bronze, Silver or Gold policy would. It’s important to check your policy’s cover limits and excess too, so you’re aware of what you might need to pay out-of-pocket if you have to make a claim. It can also be a great idea to read through the Private Health Information Statement and other key documentation for your policy, to help with your decision-making.
About the authors
Author: Josh Sale
As Canstar’s Ratings Manager, Josh Sale is responsible for the methodology and delivery of Canstar’s Health Insurance Star Ratings and Awards. With tertiary qualifications in economics and finance, Josh has worked behind the scenes for the last five years to develop Star Ratings and Awards that help connect consumers with the right health insurance for them.
Josh is passionate about helping consumers understand their health insurance and the importance of considering the level of cover they’re getting s well as the premium they’re paying. Josh has been interviewed by media outlets such as the Australian Financial Review, news.com.au and Money Magazine on a range of finance topics. You can follow Josh on LinkedIn, and Canstar on Twitter and Facebook.
Author: Nina Rinella
As Canstar’s Editor-in-Chief, Nina heads up a team of talented journalists who research and write articles to provide our readers with valuable insights about private health insurance. Previously Nina founded her own agency where she provided content and communications support to clients around Australia for eight years. She also spent four years as the PR Manager for American Express Australia, and has worked at a Brisbane communications agency where she supported dozens of clients, including Sunsuper and Suncorp.
Nina has ghostwritten dozens of opinion pieces for publications including The Australian and has been interviewed on finance topics by the Herald Sun and the Sydney Morning Herald. When she’s not dreaming up ways to put a fresh spin on finance, she’s taking her own advice by trying to pay her house off as quickly as possible and raising two money-savvy kids.
Nina has a Bachelor of Journalism and a Bachelor of Arts with a double major in English Literature from the University of Queensland. She’s also an experienced presenter, and has hosted numerous events and YouTube series.
You can follow her on Instagram or Twitter, or Canstar on Facebook.
You can also read more about Canstar’s editorial team and our robust fact-checking process.
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This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.