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Private Health Insurance is changing from April 1 2019

On April 1, health cover premiums are set to rise by an average of 3.25%*. If you haven’t checked lately, you could be paying too much.

*Source: health.gov.au – average premium increases by insurer by year.

Learn more about Private Health Insurance

Learn more about Private Health Insurance

Health Insurance Waiting Periods

A waiting period is the time you need to wait before you are allowed to make any claims for benefits on your cover through your health insurance fund. Waiting periods apply for new or increased levels of cover.

Hospital and Extras Cover

Private hospital cover is health insurance that covers your costs as a private patient while you are in hospital up to the MBS (Medicare Benefit Schedule) fee. Extras cover offers benefits for out-of-hospital treatments that commonly include dental, physiotherapy and optical.

Medicare Levy Surcharge (MLS)

Encouraging Australians to take out private hospital cover, the MLS is an additional 1% to 1.5% tax (on top of the standard 2% Medicare Levy) for those who earn above a certain income and don't have private hospital cover.

Lifetime Health Cover (LHC)

LHC encourages Australians to take out and maintain private hospital cover earlier in life by adding a 2% loading for any Australians who don't have private hospital cover before the 1st of July following their 31st birthday.

Hospital and Extras Cover

Private hospital cover is health insurance that covers your costs as a private patient while you are in hospital up to the MBS (Medicare Benefit Schedule) fee. Extras cover offers benefits for out-of-hospital treatments that commonly include dental, physiotherapy and optical.

Health Insurance Premium Rate Rise

On the 1st of April each year, health insurance funds generally increase their premiums. These changes generally cover the growing costs and variations of services and claims, as well as any increase in the cost of medical treatments and medical technology.

Switching Health Insurance

It’s easy to consider changing health funds if you’re unhappy with the service, but most people don’t consider a regular policy review as their life progresses through different stages.

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Comparing some of Australia's biggest private health funds

We compare plenty of policies across our range of health funds, so you can rest assured you're making the right choice.
While our range of health insurance policies is always growing, we don't compare all providers in the market.

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Get the right health insurance with iSelect

Get the right health insurance with iSelect

Step 1. Get acquainted

Provide us with a few details and the type of private health insurance you're after.

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Step 2. Get fitted

We'll go through your options, comparing the benefits available to you.

Get the right health insurance with iSelect

Step 3. Get covered

Feel good in your choice, finalise and buy your cover with iSelect.

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Helping Australians compare

We've provided over a million health insurance comparisons in Australia and we're still counting, so we know to look beyond the discount and into what really matters.

We guarantee it

You won’t find a better price by going direct to a provider on the health insurance policies that we sell. And with our Price Promise, if you find an identical policy cheaper after buying with us, we’ll give you a $500 eGift Card. Due to rounding, the price difference must be greater than $1.00. Excludes corporate offers. Other T&Cs apply.

Health insurance for you

Our experts know their stuff. Their smarts, combined with our technology, means you’ll get private health to meet your needs and budget.

Health Insurance FAQ

What is private health insurance?

How does health insurance work?

What does private health insurance cover?

What is excess in health insurance?

What is the private health insurance rebate?

Do pensioners need private health insurance?

Does Medicare cover ambulance?

What does 'no gap' mean in health insurance?

What is ‘extras’ cover in health insurance?

What does private health insurance cover that Medicare doesn’t?

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