Compare your results

General Dental	Total limit: $700 Per person limit: $350 Waiting period: 2 months
Major Dental
Endodontic
Orthodontic
Optical
Physiotherapy	Total limit: $300 Combined with: Chiropractic, Acupuncture, Remedial Massage, Chinese medicine, Osteopathy Per person limit: $150 Waiting period: 2 months
Psychology
Acupuncture	Total limit: $300 Combined with: Physiotherapy, Chiropractic, Remedial Massage, Chinese medicine, Osteopathy Per person limit: $150 Waiting period: 2 months
Acupuncture	Total limit: $300 Combined with: Physiotherapy, Acupuncture, Remedial Massage, Chinese medicine, Osteopathy Per person limit: $150 Waiting period: 2 months
Remedial Massage	Total limit: $300 Combined with: Physiotherapy, Chiropractic, Acupuncture, Chinese medicine, Osteopathy Per person limit: $150 Waiting period: 2 months
Hearing aids
Glucose monitor
Non-PBS Pharmaceuticals
Podiatry

General dental
Major dental
Optical
Physiotherapy

Chiropractic
Psychology
Remedial massage
Hearing aids

+1 other treatments covered

$4.02

per week

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HCF STARTER EXTRAS (WITH OPTICAL)

Extras cover

HCF STARTER EXTRAS (WITH OPTICAL)

Extras cover

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General Dental	Total limit: $800 Per person limit: $400 Waiting period: 2 months
Major Dental
Endodontic
Orthodontic
Optical	Total limit: $200 Per person limit: $100 Waiting period: 2 months
Physiotherapy	Total limit: $400 Per person limit: $200 Waiting period: 2 months
Psychology
Acupuncture	Total limit: $200 Combined with: Chiropractic, Remedial Massage, Chinese medicine, Osteopathy Per person limit: $100 Waiting period: 2 months
Acupuncture	Total limit: $200 Combined with: Acupuncture, Remedial Massage, Chinese medicine, Osteopathy Per person limit: $100 Waiting period: 2 months
Remedial Massage	Total limit: $200 Combined with: Chiropractic, Acupuncture, Chinese medicine, Osteopathy Per person limit: $100 Waiting period: 2 months
Hearing aids
Glucose monitor
Non-PBS Pharmaceuticals
Podiatry

General dental
Major dental
Optical
Physiotherapy

Chiropractic
Psychology
Remedial massage
Hearing aids

+1 other treatments covered

$5.02

per week

Compare

Extras cover

Extras cover

General dental
Major dental
Optical
Physiotherapy

Chiropractic
Psychology
Remedial massage
Hearing aids

$6.37

per week

Compare

Extras cover

Extras cover

General Dental	Total limit: $1,000 Combined with: Major Dental, Endodontic Per person limit: $500 Waiting period: 2 months
Major Dental	Total limit: $1,000 Combined with: General Dental, Endodontic Per person limit: $500 Waiting period: 12 months
Endodontic	Total limit: $1,000 Combined with: General Dental, Major Dental Per person limit: $500 Waiting period: 12 months
Orthodontic
Optical
Physiotherapy
Psychology
Acupuncture
Acupuncture
Remedial Massage
Hearing aids
Glucose monitor
Non-PBS Pharmaceuticals
Podiatry

General dental
Major dental
Optical
Physiotherapy

Chiropractic
Psychology
Remedial massage
Hearing aids

+1 other treatments covered

$6.58

per week

Compare

Extras cover

Extras cover

General Dental	Total limit: $1,000 Combined with: Physiotherapy, Chiropractic, Osteopathy Per person limit: $500 Waiting period: 2 months
Major Dental
Endodontic
Orthodontic
Optical
Physiotherapy	Total limit: $1,000 Combined with: General Dental, Chiropractic, Osteopathy Per person limit: $500 Waiting period: 2 months
Psychology
Acupuncture
Acupuncture	Total limit: $1,000 Combined with: General Dental, Physiotherapy, Osteopathy Per person limit: $500 Waiting period: 2 months
Remedial Massage
Hearing aids
Glucose monitor
Non-PBS Pharmaceuticals
Podiatry

General dental
Major dental
Optical
Physiotherapy

Chiropractic
Psychology
Remedial massage
Hearing aids

$6.88

per week

Compare

Extras cover

Extras cover

General Dental	Total limit: $800 Per person limit: $400 Waiting period: 2 months
Major Dental
Endodontic
Orthodontic
Optical
Physiotherapy	Total limit: $600 Combined with: Chiropractic, Osteopathy Per person limit: $300 Waiting period: 2 months
Psychology
Acupuncture
Acupuncture	Total limit: $600 Combined with: Physiotherapy, Osteopathy Per person limit: $300 Waiting period: 2 months
Remedial Massage
Hearing aids
Glucose monitor
Non-PBS Pharmaceuticals
Podiatry

General dental
Major dental
Optical
Physiotherapy

Chiropractic
Psychology
Remedial massage
Hearing aids

$7.21

per week

Compare

Extras cover

Extras cover

General Dental
Major Dental
Endodontic
Orthodontic
Optical	Total limit: $300 Per person limit: $150 Waiting period: 2 months
Physiotherapy
Psychology
Acupuncture
Acupuncture
Remedial Massage	Total limit: $200 Per person limit: $100 Waiting period: 2 months
Hearing aids
Glucose monitor
Non-PBS Pharmaceuticals
Podiatry

General dental
Major dental
Optical
Physiotherapy

Chiropractic
Psychology
Remedial massage
Hearing aids

$8.87

per week

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Healthy Living Extras

Extras cover

Healthy Living Extras

Extras cover

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General dental
Major dental
Optical
Physiotherapy

Chiropractic
Psychology
Remedial massage
Hearing aids

Want up to 8 weeks free plus a $50 gift card? Join and maintain eligible Extras cover by 4 Dec 2024. T&Cs Apply. Excludes Healthy Living Extras. Learn more.

$9.70

per week

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GMHBA Basic Extras Set Benefits

Extras cover

GMHBA Basic Extras Set Benefits

Extras cover

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General Dental
Major Dental
Endodontic
Orthodontic
Optical
Physiotherapy	Total limit: $600 Per person limit: $300 Waiting period: 2 months
Psychology
Acupuncture
Acupuncture
Remedial Massage
Hearing aids
Glucose monitor
Non-PBS Pharmaceuticals	Total limit: $350 Combined with: Vaccinations Per person limit: $150 Waiting period: 2 months
Podiatry

General dental
Major dental
Optical
Physiotherapy

Chiropractic
Psychology
Remedial massage
Hearing aids

+1 other treatments covered

$11.16

per week

Compare

Extras cover

Extras cover

General dental
Major dental
Optical
Physiotherapy

Chiropractic
Psychology
Remedial massage
Hearing aids

+2 other treatments covered

$11.24

per week

Compare

Extras cover

Extras cover

General dental
Major dental
Optical
Physiotherapy

Chiropractic
Psychology
Remedial massage
Hearing aids

+2 other treatments covered

$11.33

per week

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My Choice Extras Core 60

Extras cover

My Choice Extras Core 60

Extras cover

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General dental
Major dental
Optical
Physiotherapy

Chiropractic
Psychology
Remedial massage
Hearing aids

+2 other treatments covered

Want up to 8 weeks free plus a $50 gift card? Join and maintain eligible Extras cover by 4 Dec 2024. T&Cs Apply. Excludes Healthy Living Extras. Learn more.

$11.75

per week

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Extras cover

Extras cover

General Dental	Total limit: $1,200 Per person limit: $600 Waiting period: 2 months
Major Dental
Endodontic
Orthodontic
Optical	Total limit: $300 Per person limit: $150 Waiting period: 6 months
Physiotherapy	Total limit: $400 Combined with: Exercise physiology Per person limit: $200 Waiting period: 2 months
Psychology
Acupuncture	Total limit: $400 Combined with: Remedial Massage, Chinese medicine Per person limit: $200 Waiting period: 2 months
Acupuncture	Total limit: $400 Combined with: Osteopathy Per person limit: $200 Waiting period: 2 months
Remedial Massage	Total limit: $400 Combined with: Acupuncture, Chinese medicine Per person limit: $200 Waiting period: 2 months
Hearing aids
Glucose monitor
Non-PBS Pharmaceuticals
Podiatry

General dental
Major dental
Optical
Physiotherapy

Chiropractic
Psychology
Remedial massage
Hearing aids

+1 other treatments covered

$12.66

per week

Compare

Extras cover

Extras cover

General Dental	Total limit: $1,300 Combined with: Major Dental, Endodontic Per person limit: $650 Waiting period: month
Major Dental	Total limit: $1,300 Combined with: General Dental, Endodontic Per person limit: $650 Waiting period: 12 months
Endodontic	Total limit: $1,300 Combined with: General Dental, Major Dental Per person limit: $650 Waiting period: 12 months
Orthodontic
Optical	Total limit: $360 Per person limit: $180 Waiting period: month
Physiotherapy	Total limit: $400 Per person limit: $200 Waiting period: month
Psychology	Total limit: $200 Combined with: Non-PBS Pharmaceuticals, Health management Per person limit: $100 Waiting period: month
Acupuncture	Total limit: $400 Combined with: Remedial Massage, Exercise physiology Per person limit: $200 Waiting period: month
Acupuncture	Total limit: $400 Per person limit: $200 Waiting period: month
Remedial Massage	Total limit: $400 Combined with: Acupuncture, Exercise physiology Per person limit: $200 Waiting period: month
Hearing aids
Glucose monitor
Non-PBS Pharmaceuticals	Total limit: $200 Combined with: Psychology, Health management Per person limit: $100 Waiting period: month
Podiatry

General dental
Major dental
Optical
Physiotherapy

Chiropractic
Psychology
Remedial massage
Hearing aids

+3 other treatments covered

$12.88

per week

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HCF ACCIDENT ONLY BASIC

Basic$750 excess

HCF ACCIDENT ONLY BASIC

Basic$750 excess

Go to site

Hospital tier	Basic
Sleep studies
Hospital Accomodation	Private Hospital
Max excess per person per year	$750
Hospital Accomodation	$1,500
Co Payment	$0
Assisted reproductive services
Back neck and spine
Blood
Bone joint and muscle
Brain and nervous system
Breast surgery
Cataracts
Cancer
Dental surgery
Diabetes management
Dialysis for chronic kidney failure
Digestive system
Ear nose and throat
Eye excluding cataracts
Gastrointestinal endoscopy
Gynaecology
Heart and vascular system
Hernia and appendix
Hospital psychiatric services
Implantation of hearing devices
Insulin pumps
Joint reconstructions
Joint replacements
Kidney and bladder
Lung and chest
Miscarriage and termination of pregnancy
Male reproductive system
Pain management
Pain management with device
Palliative care
Medically necessary plastic surgery
Pregnancy and birth
Podiatric surgery
Rehabilitation
Skin
Tonsils adenoids and grommets
Weight loss surgery

Rehabilitation
Joint reconstructions
Dental surgery
Hernia and appendix

Eye excluding cataracts
Pain management
Gynaecology
Lung and chest

$13.23

per week

Compare

Extras cover

Extras cover

General dental
Major dental
Optical
Physiotherapy

Chiropractic
Psychology
Remedial massage
Hearing aids

+1 other treatments covered

Want up to 8 weeks free plus a $50 gift card? Join and maintain eligible Extras cover by 4 Dec 2024. T&Cs Apply. Excludes Healthy Living Extras. Learn more.

$13.63

per week

Go to Site

Compare

GMHBA Essential Extras

Extras cover

GMHBA Essential Extras

Extras cover

Go to site

General dental
Major dental
Optical
Physiotherapy

Chiropractic
Psychology
Remedial massage
Hearing aids

$13.77

per week

Compare

Extras cover

Extras cover

General Dental
Major Dental
Endodontic	Total limit: $0 Per person limit: $650 Waiting period: 12 months
Orthodontic
Optical	Total limit: $400 Per person limit: $200 Waiting period: 2 months
Physiotherapy
Psychology
Acupuncture	Total limit: $400 Combined with: Remedial Massage, Chinese medicine, Exercise physiology Per person limit: $200 Waiting period: 2 months
Acupuncture
Remedial Massage	Total limit: $400 Combined with: Acupuncture, Chinese medicine, Exercise physiology Per person limit: $200 Waiting period: 2 months
Hearing aids
Glucose monitor
Non-PBS Pharmaceuticals
Podiatry

General dental
Major dental
Optical
Physiotherapy

Chiropractic
Psychology
Remedial massage
Hearing aids

+2 other treatments covered

$14.15

per week

Go to Site

Compare

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Health funds

Why get private health insurance?

Avoid public waiting lists

Public waiting lists tend to be much longer than if you go through the private system.

Choose your doctor and hospital

You get to pick where you're treated and choose your preferred doctor. You can also get your own private room.

Save on tax

If you earn over $90k, you'll get hit with the Medicare Levy Surcharge tax – unless you take out health insurance.

Access services not covered by Medicare

Private health insurance can cover services that the Australian public healthcare system doesn't. These include dental, optical and physiotherapy (extras).

Tips to get better value for your money

Consider a restricted fund

There are restricted funds for teachers, police officers and various union members. They often come with more benefits and sometimes premiums are cheaper.

Don't get couples health insurance

A survey from Finder found that about 3.5 million Aussies have a couples policy. While it may be more convenient, most couples have different individual health needs, which means that you're often paying for services one of you doesn't need.

Mix and match your hospital and extras

When you take out hospital and extras cover, it's often better value to go with 2 separate funds. For example, Medibank might have the better hospital insurance policy for you but that doesn't mean you need to get extras with them if ahm are offering a better deal.

Compare your cover every year

Health insurance premiums increase every April. It's always worth checking how much your current insurer plans to put its prices up. By switching, you could avoid paying more.

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Compare your results

Based on the information you provided, here is a selection of health insurance policies that may suit your needs.

Health funds

Why get private health insurance?

Avoid public waiting lists

Choose your doctor and hospital

Save on tax

Access services not covered by Medicare

Tips to get better value for your money

Consider a restricted fund

Don't get couples health insurance

Mix and match your hospital and extras

Compare your cover every year

More guides on Finder

Ask a question

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