• No additional cost to you
  • We can save you hours on research

Written by

|

Edited by

Updated 26/05/2023
What changed?
Updated information on public waiting times; new table of information on rebates; checked and updated sources.
|
Fact checked
Our aim is to help you make better informed decisions. That’s why iSelect’s content is produced in accordance with our fact-checking and editorial guidelines.
|

Find out more about how we make money.

View our Privacy Policy.

Written by

Francis Taylor

Updated 26/05/2023

What changed?

Updated information on public waiting times; new table of information on rebates; checked and updated sources.
Our aim is to help you make better informed decisions. That’s why iSelect’s content is produced in accordance with our fact-checking and editorial guidelines.

Find out more about how we make money.

View our Privacy Policy.

Check out our range of private health funds

iSelect does not compare all providers or policies in the market and not all policies or special offers are available at all times, through all channels or in all areas. Not all policies available from our providers are compared by iSelect and due to commercial arrangements and customer circumstances, not all policies compared by iSelect are available to all customers. Learn more.

Health Insurance for seniors

As you get older, there are a couple of things to consider when it comes to Health Insurance. Firstly, your health needs may become more complex. 

As a result of that, you may also need more frequent trips to the doctor or various specialists, which can take up a lot more of your time and resources.

Checking in on your cover

How can seniors save on Health Insurance?

The Australian Government offers a Private Health Insurance Rebate to help cover some of the costs of their insurance premiums.  

The Private Health Insurance Rebate is income tested, and generally, eligible policyholders over the age of 65 will receive a higher rebate.

Singles Income  Family Income ≤$93,000   ≤$186,000 $93,001- 108,000  $186,001- 216,000  $108,001- 144,000  $216,001- 288,000 > $144,001   > $288,001  
Rebate
Age Base Tier Tier 1 Tier 2 Tier 3 
< 65 24.608% 16.405% 8.202% 0% 
65–69 28.710% 20.507% 12.303% 0% 
70+ 32.812% 24.608% 16.405% 0% 

Source: PrivateHealth.gov.au – Australian Government Private Health Insurance Rebate

How users rated our service

Frequently Asked Questions

What are the different kinds of Health Insurance policies that may be suitable for seniors?

What do I need to know about Hospital Cover for seniors?

What do I need to know about Extras Cover for seniors?

What isn’t covered by Health Insurance?

How long are public waiting times?

What if I have a pre-existing condition?

Where can I compare options?


iSelect does not compare all health insurance providers or policies in the market. The availability of policies will change from time to time. Not all policies available from its providers are compared by iSelect and due to commercial arrangements, your stated needs and circumstances, not all policies compared by iSelect are available to all customers. Some policies and special offers are available only from iSelect’s contact centre or website. Click here to view iSelect’s range of providers