A solid option if you're thinking about orthodontic treatments – orthodontics cover increases by $100 per calendar year up until the $1,700 annual cap on its Mid Extras plan.
This is also a good policy if you're looking for Basic-tier hospital plans that cover more than the bare minimum of accidents. Suncorp's plan actually includes a few hospital treatments on their lowest level of cover.
Suncorp regularly offers chances to save on your premium, such as the chance for a 4% discount when you commit to paying by direct debit. But at the time of writing, Medibank and CUA had more attractive sign-up deals (for us). Compare the latest health deals now.
Review by our life insurance senior writer James Martin
Why compare health insurance with Finder?
We don't ask for your phone or email to see prices.
With 1 click, you can open your results to nearly every fund in Australia.
You pay the same price as going direct – we charge no fees.
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
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You'll pay the same price as going direct - we don't
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Comparing quotes from 40+ funds...
Who is Suncorp?
Suncorp has been providing health insurance since 1902. They serve approximately nine million people across Australia and New Zealand, and are part of the Suncorp Group of insurers, which includes AAMI, GIO, Apia and Shannons.
What health insurance options are available?
Hospital cover
Basic hospital plus. Designed for young, healthy people. This provides cover for accidents, emergency ambulance transport and a select few treatments like dental surgery, gynaecology, hernia and appendix, tonsils and a couple more. You can choose between a $500 or $750 excess.
Bronze hospital plus. Bronze is a step up from Basic, providing cover for many common treatments while excluding higher-priced things like the back, neck and spine and the heart and vascular system. Choice of $500 or $750 excess.
Silver Everyday and Silver Advantage hospital plus. Mid-level hospital cover for most common treatments, excluding only the most expensive. Silver Advantage adds on cataract treatment, joint replacements and kidney dialysis.
Gold hospital. This is the highest level of hospital cover, with no exclusions or limitations to Medicare-recognised treatments. Adds on pregnancy and birth, weight loss surgery and assisted reproductive services onto the Silver plans.
Extras cover
Starter extras. Provides 60% back on common extras, including chiropractic, physiotherapy, general dental, optical, pharmaceutical prescriptions and emergency ambulance.
Everyday extras. Provides 60% back on the same services as Starter extras with higher annual limits, as well as benefits for major dental work, natural therapies and remedial massage.
Mid extras. Provides 60% back on the same services as Everyday extras with higher annual limits, as well as benefits for orthodontics, podiatry/orthotics, dietary advice, health aids, psychology, occupational therapy, speech pathology, and preventative tests.
Top extras. Suncorp's highest level of cover, providing 75% back on everything in Mid extras with higher annual limits, but also giving benefits for exercise physiology, antenatal and postnatal, home nursing, eye therapy, and hearing aids.
Information on tiers
In an effort to provide customers with better flexibility and choice when it comes to private health insurance, the government has standardised hospital insurance plans into four tiers: Basic, Bronze, Silver and Gold. By setting a minimum list of requirements for each tier and allowing insurers to enhance them with 'plus' options, consumers should now have a better idea of what to expect when they purchase health insurance from someone like Suncorp.
Young people discount
As part of a government incentive to encourage young people to take out health insurance, Suncorp is offering age-based discounts for people aged 18-29 purchasing Suncorp Hospital cover. For each year you are underneath 30, you receive a 2% discount on your premiums up to a maximum of 10%. This discount persists until you reach the age of 41, at which point it decreases by 2% per year back down to zero.
Member offers
In addition to the benefits you receive from your hospital and/or extras policy, Suncorp members get the following:
Reduced premiums. Pay with direct debit and save 4% on your monthly premiums.
How to make a claim
To make a claim on your Suncorp Health Insurance, you will need your Suncorp Health Insurance customer number and supporting documentation such as a provider's receipt.
You can claim online anytime and in the case of extras cover, when visiting any service provider who offers on-the-spot claims by swiping your Suncorp Health Insurance card.
As Finder's insurance group publisher, Alex Holderness aims to make confusing topics easy to understand. She's been published in Money Mag, Yahoo Finance, Hospital Health, and is a contributing author for Google's Startup Grind. She has a keen passion for running and is currently studying for her General Insurance certification. See full bio
What is the LHC loading, the MLS and the Private Health Rebate? These terms could make the difference between whether or not you can afford your private health premiums in the future.
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.
Learn how to get cheap health insurance and what you can expect for your money.
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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.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
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We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
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)
To get a copy of your results for later, add your email below
