Peoplecare health insurance review

Member-owned Peoplecare is generally quite cheap, but if you want gold-tier hospital cover, you’ll have to go elsewhere.

No reviews yet. Write a review

Our verdict

Pros

  • According to Finder consumer research, Peoplecare's policies are lower than average.
  • Peoplecare's Basic hospital cover is among the cheapest on the market.
  • As a member-owned not-for-profit, Peoplecare is low-cost and gives back to members.

Cons

  • Peoplecare doesn't have the best complaints record - they're okay, but nothing special.
  • There's no reward or incentive program to encourage healthy living, like some other brands.
  • Peoplecare doesn't offer Gold hospital cover, so there's no benefit for pregnancy and birth, assisted reproductive services, or weight loss surgery.

What types of health insurance does Peoplecare offer?

See what levels on cover Peoplecare offers. Keep in mind, to find the best health insurance for you, it can help to compare a range of options.

Name Product AUFHI-NEW Treatments Price Apply Hide Compare
Basic Plus Hospital $750
Basic Plus$750 excess
Peoplecare Health Insurance logo
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
  • +6 other treatments covered
$82.21
per month
All treatments
Silver Hospital $750
Silver$750 excess
Peoplecare Health Insurance logo
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +22 other treatments covered
$126.10
per month
All treatments
Silver Plus Hospital $750
Silver Plus$750 excess
Peoplecare Health Insurance logo
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +27 other treatments covered
$171.78
per month
All treatments
loading
Name Product AUFHI-NEW Treatments Price Apply Hide Compare
Ambulance Only
Extras cover
Peoplecare Health Insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$5.44
per month
All treatments
Simple Extras
Extras cover
Peoplecare Health Insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +1 other treatments covered
$28.24
per month
All treatments
Mid Extras
Extras cover
Peoplecare Health Insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +4 other treatments covered
$55.46
per month
All treatments
High Extras
Extras cover
Peoplecare Health Insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +6 other treatments covered
$82.73
per month
All treatments
Premium Extras
Extras cover
Peoplecare Health Insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +6 other treatments covered
$128.92
per month
All treatments
loading
1 - 10 of 12
Name Product AUFHI-NEW Treatments Price Apply Hide Compare
Peoplecare Health Insurance logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +3 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +3 other treatments covered
$107.62
per month
All treatments
Peoplecare Health Insurance logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +3 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +7 other treatments covered
$132.12
per month
All treatments
Peoplecare Health Insurance logo
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • +24 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +3 other treatments covered
$151.52
per month
All treatments
Peoplecare Health Insurance logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +3 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +10 other treatments covered
$156.66
per month
All treatments
Peoplecare Health Insurance logo
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • +24 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +7 other treatments covered
$176.01
per month
All treatments
Peoplecare Health Insurance logo
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • +30 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +3 other treatments covered
$197.20
per month
All treatments
Peoplecare Health Insurance logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +3 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +10 other treatments covered
$198.24
per month
All treatments
Peoplecare Health Insurance logo
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • +24 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +10 other treatments covered
$200.56
per month
All treatments
Peoplecare Health Insurance logo
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • +30 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +7 other treatments covered
$221.69
per month
All treatments
Peoplecare Health Insurance logo
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • +24 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +10 other treatments covered
$242.13
per month
All treatments
loading

How to make a claim

For extras, you can claim in person by swiping your member card - as long as the provider has a HICAPS machine. Otherwise, you can claim via the Peoplecare app or online through the Member Services portal. You can also email a completed claim form along with any receipts to info@peoplecare.com.au or you can post it to Peoplecare, Locked Bag 33, Wollongong NSW 2500.

Complaints info

Peoplecare's complaints record is slightly below average. According to the most recent State of the Health Funds Report, Peoplecare has 0.5% market share and accounts for 0.5% of all health insurance complaints made to the Commonwealth Ombudsman.

FAQs

Nicola Middlemiss's headshot
Journalist

Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

Nicola's expertise
Nicola has written 241 Finder guides across topics including:
  • Personal finance
  • Personal insurance, including car, health, home, life, pet and travel insurance
  • Commercial business insurance

More guides on Finder

  • Alcohol calculator: What is the cost of alcohol?

    Work out your savings and see the financial case for going sober.

  • Health insurance for overseas workers

    Health insurance is mandatory for most overseas workers. Compare 10+ OVHC policies for working in Australia.

  • Expat Health Insurance

    If you’re working or studying overseas, taking out expat health insurance before you leave will ensure you can access a high level of medical care globally and get more than what's offered by travel insurance.

  • Private health insurance premium increase 2025

    Health insurance premiums will go up by an average of 3.73% in 2025 - find out how much your fund is jacking prices up by.

  • Health insurance for gastroscopy

    Need health cover for gastroscopy? Find out how private health insurance and Medicare cover treatment and compare the costs for the most affordable option.

  • Mildura Health Fund review

    The regional health fund has limited choice, with only two levels of hospital cover. But, it does offer some impressive perks too.

  • Ambulance cover in Australia

    Get affordable cover for ambulance transport if you are not already covered under Medicare. Compare quotes from Australian funds to decide which level of protection is best for you.

  • Frequent flyer health insurance

    Health insurance points offers can give you frequent flyer miles and other benefits for taking out cover, but these points shouldn’t be the only factor you consider when choosing an insurer.

  • Health insurance and mental health

    Mental health issues are serious and can be costly, which is why Australian health funds are legally obligated to offer cover for treatment.

  • Health insurance: What does it mean to be in arrears?

    Guide for what to do when your health insurance premiums are in arrears and how to avoid this situation.

Go to site