Take a look through our frequently asked questions below.
The Australian Government has introduced a range of changes to how private health insurance operates to make it simpler and more affordable. The main changes are: the introduction of Gold, Silver, Bronze and Basic levels of cover; standard clinical definitions of what is included in your cover; higher excess options to make your premium lower; the exclusion of some natural therapies from cover and the option to offer a discount of up to 10% for people who are aged 18-29. These changes will make it easier to compare cover across different health funds and in some cases make cover more affordable.
Increases in premiums reflect increases in hospital, medical and healthcare costs and the usage of these services by their members. As well, the Australian Government decreases the Australian Government Rebate each year, which also impacts how much you pay. You are seeing two prices so that it is clear to you how much you will pay right now and how you will pay from 1 April 2019 when prices change.