Health insurance A to Z

Waiting periods for Hospital and Extras covers and pre-existing conditions rule for Hospital covers are explained here.

Here are our top advantages of having private health insurance.

Public hospitals are free, so why would you pay to go to a private hospital? For one thing, waiting. A lot of people use the public system, so you can be waiting months (or longer) to get the treatment you need, especially if it’s not urgent.

The health system can be confusing so it’s hard to be sure who pays for what. We make it clear in one table.

Should you ever use your private hospital cover in a public hospital? We explain all you need to know.

The Private Health Information Statement (PHIS) is a summary of the key features of your cover in the government’s standard format.

If you have hospital cover with us, we send your tax statements to the ATO for the financial year by the third week of July. We have a tax guide with all you need to know.

Our glossary gives you all the key private health insurance terms in plain English.