• Need a Health Fund?
• My family is covered…and that’s what matters to me
• From Overseas and Need Health Cover?
  • Cover for People from Overseas – visitors or temporary visa holders
  • Cover for People from Overseas – students
• Calculate Your Private Health Insurance Rebate
• Calculate Your Medicare Levy Surcharge
• Lifetime Health Cover
• Find the Hospital nearest to where you live
• Health Fund Benefits Clock

Need a Health Fund?

Private health insurance is available for all Australians who wish to cover the costs of becoming a private patient. Being a private patient means you have more control in choosing your treating doctor in hospital and in some instances can reduce your waiting time for elective surgery by having treatment in a private hospital.

Private health insurance also offers cover for some or all of the costs of other services not covered by Medicare, such as ambulance services, dental, optical items, physiotherapy and a wide range of other services.

Unlike other insurances, your premium is not affected by your age, health status or other risk factors. This is called community rating and it protects from having to pay higher premiums if you make a claim, or as you get older, or if you get sick.

Private Healthcare Australia Member Funds Contact Details

Private health insurance is provided through organisations registered under the Private Health Insurance Act 2007. The financial performance of registered health funds is monitored by the Private Health Insurance Administration Council (PHIAC), an independent Australian Government body, to ensure solvency and capital adequacy requirements are met. All members of Private Healthcare Australia are registered as health benefits organisations with the Commonwealth Government and therefore comply with Government standards and regulations on benefits and solvency.

The Australian Government regulates private health funds but rules regarding membership vary between funds and in some cases will vary between States. For example, all health funds have certain waiting periods and other conditions that apply before benefits are payable.

If you wish to join a health fund, or wish detailed information about what our members offer, try the links below:

(*Click here to get our member funds’ contact details when telephoning from overseas, i.e. outside Australia)