Compare health insurance policies

Play How to Compare Health Insurance Policies on Privatehealth.gov.au

Please note that while we endeavour to include as much information as possible when comparing policies, we cannot show everything that the policy may or may not cover. Please contact the fund providing the policy for comprehensive information.

  • To find policies that meet your needs and compare some of their features.
  • Please answer all the following questions, then click on 'Search'.
  • If there are a lot of results, you can answer some more questions to reduce the number or show all the results.
  1. Where will you be living?



  2. The state or territory that the people covered by this policy will be living in most of the time.

  1. How many adults will be covered by this policy?

  2. Adults include all people over 18 years who live in the same household. Check with each fund for details.

  1. Will any dependants be covered by this policy?

  2. A dependant child is a single person under the age of 18 years. A fund may consider someone between the age of 18 and 24 years old as a dependant if, for example, the person is a full-time student - check with the fund for details.

    A young adult dependant is a single person between the ages of 18 and 24 years who is not considered a child according to the fund's rules - for example, if they are not a full time student. Funds may allow a young adult to be covered on the same policy as adults in exchange for a higher premium - check with the fund for details.

  1. What type of policy suits you?

  2. Hospital policies cover your costs as a private patient in hospital, including hospital accommodation, medical treatment and (in some states) ambulance.

    General treatment policies cover health services not covered by Medicare, such as dental, optical, physiotherapy and naturopathy, and may also cover ambulance.

    Obtaining cover for both Hospital and General treatment services has two options:

    • A Combined policy from a single insurer, or
    • you can choose one Hospital policy plus one General treatment policy, from the same insurer or even two different insurers.
  1. Are you eligible for a restricted fund?

  2. These policies are only available to people (and their families) who are current or former members of a specific industry or organisation.