Buying health insurance is an important decision - but there are so many myths and misconceptions floating around, that it can be tough to separate fact from fiction.
We want to quash some of those persistent myths once and for all - and test Australia's understanding of health insurance while we're at it - so we created this quick, 2-minute quiz.
Bust the health insurance myths
Don't miss these health insurance tips
How did you do? Are you a health insurance pro, or could you do with a little expert advice? If you're thinking about buying health insurance, always remember these facts so you can make an informed decision. They might even help you find a better deal!
You can split your hospital and extras cover
Extras cover includes ambulance cover
Couples don't pay less for health insurance
You won't pay more if you're old or sick
Hospital cover could help you cut your tax bill
You might get a discount for paying annually
You won't be charged for cancelling your policy
You don't need to re-serve waiting periods if you switch
Extras can cover things like prescription sunglasses and gym memberships
Some kids can stay on their parent's health insurance until they're 25
How likely would you be to recommend Finder to a friend or colleague?
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Very UnlikelyExtremely Likely
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Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
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Finder makes money from featured partners, but editorial opinions are our own.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
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Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
rebate.
Under 65
65 - 69
70 or older
What's your household's taxable income?
This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
$93,000 and under
$93,001 to $108,000
$108,001 to $144,000
$144,001 and over
What kind of health insurance do you need?
Combined (Extras + Hospitals)
Extras
Hospital
What level of hospital coverage would you like?
You can change this at any time later.
Legend
Covered
Restricted cover, You may be partially covered for
this category.
Not covered. Optional for insurer to include.
*Prices updated March 2024, in line with Finder's
database of health insurance policies. Prices are based
on a single individual with less than $93,000 income and
living in Sydney with a $750 excess.
What extras cover do you need? (Optional)
Select as many as you want or move to the next step
Preventative & general dental
Major dental & implants
Optical
Physiotherapy
Podiatry
Non-PBS pharmaceuticals
Chiropractic
Emergency ambulance
Remedial massage
Email me my results (optional)
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