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From
$9.51/week
86.90% (including Medibank)
Sub-standard. ahm gets 10% more complaints than its market share (including Medibank).
This product has the teeth and wellbeing package, so it's great for you if you like to smile. For real though, this could be good for a young person who needs dental and ambulance cover, but also wants to stay on top of their overall wellbeing. ahm choosable 60 (teeth/wellbeing) was the highest ranking product from a Finder partner in the 2024 Finder Awards in the core extras category. This meant it offered more treatment categories and a higher overall benefit limit per premium dollar than every product than it beat.
From
$11.95/week
Sub-standard. Medibank gets 10% more complaints than its market share (including ahm).
Excellent. hbf gets 52% fewer complaints than its market share.
This one is a good value policy for someone looking for comprehensive extras cover to match a high tier hospital policy. It's especially good for folks looking to have kids because of the pregnancy related treatments covered - hence the name. Medibank - Growing Family 60 was the highest ranking product from a Finder partner in the 2024 Finder Awards in the comprehensive extras category. This meant it offered more treatment categories and a higher overall benefit limit per premium dollar than every product than it beat.
89.90% (the highest of the big funds)
Excellent. hbf gets 52% fewer complaints than its market share.
One of the downsides of extras is that you can only claim so much on each treatment, so it often feels like you're paying for services you don't need. What's nice about the hbf flex range is that you get a single limit that you can just use on the treatments that actually matter to you. Also, hbf flex 50 won the 2024 Finder Award in the medium extras category. This meant it offered more treatment categories and a higher overall benefit limit per premium dollar than every product in that category.
82.70% (including all NIB funds)
Sub-standard. NIB funds - which includes Qantas - get 5% more complaints than its market share.
Qantas is a reseller of NIB health insurance, one of Australia's biggest health funds. But on top of NIB's solid policy offerings, it also lets you earn Qantas frequent flyer points, some of the best rewards points on offer. We found that compared to the sign-up and ongoing benefits offered by other funds, the Qantas points on offer were consistently the most valuable kickback.
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Winner of the 2024 Finder Insurance Award, HBF is a stand-out health insurer with some of the best value policies on the market.
GMHBA health insurance offers a wide range of hospital and extras policies, giving you tons of flexibility.
Looking for health cover but aren't sure which policy is best? This article looks at Australian Unity's health insurance options and helps you decide whether any of its policies are what you need.
Our experts compared 30+ funds and analysed hundreds of policies to help you find the best health insurance.
It's not possible to skip waiting periods for health insurance but there are exceptions.
Mental health issues are serious and can be costly, which is why Australian health funds are legally obligated to offer cover for treatment.
What does private health insurance typically cost? Our comprehensive guide will tell you.
As a not-for-profit brand, HIF is able to offer low premiums across both hospital and extras policies.