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Comparing private health insurance for

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Do you currently hold private health insurance?Need Help?

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Waiting periods you have already served will automatically be transferred to your new fund, and you won't need to serve them again. You’ll only need to serve waiting periods for any new or higher benefits that were not part of your old policy.

Your current health fund

Apply the Australian Government Rebate to lower my upfront premium?Need Help?

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How many dependents do you have?

What is your taxable income?What is your, and your partners combined taxable income?
We need this figure to calculate your health insurance rebate.

Tier 0

Tier 1

Tier 2

Tier 3

Depending on your taxable income, you may be eligible for a government discount on your premium.

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We have a few additional questions about you and your partner

Your partner's date of birth

Does your partner currently hold private health insurance?Need Help?

Need Help?

Yes No

Your partner's current health fund

What would you like covered in your new health policy?

Select the benefits that are important to you and we will show you the products that suit your needs.

Examples of what may be included under these benefits are in italics. Check the policy brochure to confirm which benefits are included.

Please switch on at least one cover type below. No policies can be quoted without Hospital or Extras

Hospital

I'd like Private
Hospital coverPrivate Hospital
Cover
I'd like a minimum
cover to reduce my taxLimited Hospital
Cover

Quick select:

Start a Family

Ageing Gracefully

Clear selection

Private Hospital

choice of doctor, choice of hospital, flexibilitymore

Heart Surgery

heart attacks, bypass surgery, angiograms, stentsmore

Joint Replacement

elbows, shoulders, knees, hipsmore

Major Eye Surgery

cataracts, eye lens, injuriesmore

Birth Related Services

pregnancy, labour, post-natal care, c-section, obstetriciansmore

Assisted Reproduction

infertility, IVF, GIFT, in-patientmore

In-Hospital Rehabilitation

post-operative, recovery, physiotherapymore

In-Hospital Psychiatry

depression, schizophrenia, eating disorders, substance abusemore

Gastric Banding

obesity , weight loss, review, removalmore

Palliative Care

life-limiting illness, quality of life, dignitymore

Reconstructive & Non Cosmetic Plastic Surgery (Note: Bupa exclude all surgeries required following a cosmetic procedure)

medically necessary reconstruction, grafts, cleft palatesmore

Dialysis

kidney failure, waste removal, haemodialysismore

Sterilisation

hysterectomy, vasectomy, reversalsmore

Limited Hospital Cover

accidental cover, avoid paying Medicare Levy Surcharge

Limited Hospital Cover provides the most basic level of hospital cover and is generally the cheapest. It is also sufficient to avoid paying the Medicare Levy Surcharge, which is a government surcharge on the taxable income of individuals who earn over $90,000 a year and couples who earn over $180,000 a year total. However, Limited Hospital Cover products exclude a large number of benefits that other hospital policies cover as standard, and in some instances, provides cover only where you need treatment as a result of an accident.

To compare policies that provide a better level of cover, select the private hospital cover tab above.

Extras

Extras cover gives you money back for day to day services like dental, optical and physiotherapy.

Please select the extras benefits that are important to you

Quick select:

General Dental

examinations, cleans, fillings, x-raysmore

Major Dental

crowns, bridges, surgical extractions, wisdom teeth, denturesmore

Orthodontic

braces, retainers, fitting, adjustmentmore

Endodontic

root canal therapy, gum treatmentmore

Optical

frames, lenses, contacts, prescription sunglassesmore

Physiotherapy

sport, muscles, movement, post-operative, exercisemore

Remedial Massage

deep tissue, injury treatment, sportsmore

Chiropractic

consultations, x-rays, back manipulation, bonesmore

Acupuncture

needles, pressure points, pain reliefmore

Naturopathy

consultation, homeopathy, alternative medicinemore

Podiatry

feet, ingrown nails, corns, bunionsmore

Orthotics

customised insoles, corrective, supportivemore

Psychology

mental health, consultations, pharma freemore

Non PBS Pharmaceuticals

prescriptions, non-subsidisedmore

Lifestyle

gym, yoga, pilates, health management, skin checks, PTmore

Eye Therapy

crossed eyes, lazy eyes, double vision, blurred visionmore

Occupational Therapy

physical function, movement, down's syndromemore

Speech Therapy

communication skills, stutters, down's syndromemore

Hearing Aids

repair, replacementmore

Dietetics

diet, nutrition, disease management, weight lossmore

Health Aids & Appliances

c-pap, glucose monitors, blood pressure, crutchesmore

Next step

Living In

Cover For

You

Partner

Born

+ Add

Gov. Rebate

Hospital

and more

Extras

and more

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No results match your filters.

Covered

Restricted covered

Not covered

Restricted funds provide private health insurance cover to members of a specific industry or group.

In some cases, family members and extended family are also eligible.

Please download the policy brochures for the full policy limits, inclusions and exclusions.

Some products may have changed since you last quoted with us. We have found and summarised the latest products based on what you told us was important to you.

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Your Chosen Policy

Your Details

Name

Title

First Name

Middle Name

Last Name

Date of Birth

Gender

Male Female

Residential Address

Postcode

Unit Type

Unit/Shop/Level Number

Street Number

Street Name

Street Address

Suburb

Tick here if you are unable to find the address

My postal address is the same

Postal Address

Postcode

Unit Type

Unit/Shop/Level Number

Street Number

Street Name

Postal Address

Suburb

Tick here if you are unable to find the address or would like to enter a PO Box address

Mobile Number

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Email Address

(we'll send your confirmation here)

No email address

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How would you like the Fund to send you information?

Email Post SMS

Do you currently hold Private Health Insurance?Need Help?

Need Help?

Yes No

Have you ever held private hospital cover?Need Help?

Need Help?

Yes No

Full applicable LHC will be applied to your policy until your new fund receives a transfer certificate from your previous fund, it will then be adjusted from the start date of your policy and you will be credited any amount you have overpaid.

Your Current Health Fund

Membership Number

I authorise the fund to contact my previous fund to obtain a clearance certificateNeed Help?

Have you had continuous private hospital cover since 1 July 2008 or 1 July following your 31st birthday?Need Help?

Need Help?

Yes No

Have you ever held private hospital cover?Need Help?

Need Help?

Yes No

Based on your answers it looks like you may be affected by the Government Lifetime Health Cover loading, please enter the approximate date ranges you have held private hospital cover so we can estimate the impact on your premiums.

Based on your answers, you may be affected by LHC. The LHC amount will be shown in the premium on the next page, if applicable.

I don't know the date ranges for the periods that I have held private hospital insurance in the pastNeed Help?

What colour is your Medicare card?Need Help?

Need Help?

Yellow card holders (reciprocal) have limited Medicare access and no benefit if you elect to be treated as a private patient in either a private or public hospital. You may choose private hospital cover for tax-purposes as the Medicare levy surcharge may still otherwise apply.

Medicare Card Green

Green

Medicare Card Blue Interim

Blue
(Interim card)

Medicare Card Green/Yellow Reciprocal

Green/Yellow
(Reciprocal health care - Visitor)

No Medicare card

None of the above

Use of the Medicare card image is for demonstrative purposes only and is not an endorsement from the Commonwealth.

Medicare card number and expiry

Your Medicare Card Number

Medicare Expiry Date

# and name on Medicare card

Position you appear on your medicare card

First Name

Middle Name

Last Name

Your Partner's Details

Name

Title

First Name

Middle Name

Last Name

Date of Birth

Gender

Male Female

Would you like to give your partner authority to make claims, changes or enquire about the policy on behalf of anyone listed on the policy?

Yes No

Does your partner currently hold Private Health Insurance?Need Help?

Need Help?

Yes No

Has your partner ever held private hospital cover?Need Help?

Need Help?

Yes No

Full applicable LHC will be applied to your policy until your new fund receives a transfer certificate from your partner's previous fund, it will then be adjusted from the start date of your policy and you will be credited any amount you have overpaid.

Partner's Current Health Fund

Membership Number

My partner authorises the fund to contact their previous fund to obtain a clearance certificateNeed Help?

Has your partner had continuous private hospital cover since 1 July 2008 or 1 July following their 31st birthday?Need Help?

Need Help?

Yes No

Has your partner ever held private hospital cover?Need Help?

Need Help?

Yes No

Based on your answers it looks like your partner may be affected by the Government Lifetime Health Cover loading, please enter the approximate date ranges your partner has held private hospital cover so we can estimate the impact on your premiums.

Based on your answers, your partner may be affected by LHC. The LHC amount will be shown in the premium on the next page, if applicable.

I don't know the date ranges for the periods that my partner has held private hospital insurance in the pastNeed Help?

Your Dependants' Details

You have not added any dependants but have selected a cover type that requires them.

If you do not wish to add any dependants, you can search for suitable policies by changing your cover type.

If you wish to continue, please add your dependants now.

Add New Dependant

When completed, confirm your new income tier

What is the estimated taxable income for your household for the financial year 1st July 2018 to 30 June 2019?

Tier 0

Tier 1

Tier 2

Tier 3

When to start your cover

Cover start date

Proceed to Payment

Your Chosen Policy

NAME

Start Date: XXX

Excess: XXX

Excess Waivers: XXX

Co-payment / % Hospital Contribution: XXX

view more info

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Payment Details

Payment method

Credit Card Bank Account

How often would you like to make payments

Do you want to supply bank account details for claims to be paid into

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Credit Card Number

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Bank Name

Account Name

BSB and Account Number

BSB

Account Number

Would you like your claim refunds paid into the same account?

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Please nominate a bank account for future claim payments

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Bank Name

Account Name

BSB and Account Number

BSB

Account Number

What day would you like your payment deducted?

It can take up to 6 days to set up your direct debit so your payment may not be deducted until the following month if you chose a date within this time frame

What day would you like your payment deducted?

It can take up to 6 days to set up your direct debit so your payment may not be deducted until the following month if you chose a date within this time frame

What day would you like your payment deducted?

Australian Government Rebate Form

Do you authorise ahm Health Insurance to lodge the rebate form on your behalf?

Join Declaration for Provider

I can confirm that I have read and understood the Join Declaration and the information relating to my product choice. I declare that the information I have provided is true and correct.

Click here to read the Join Declaration

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What's Next?

Find out more about your next steps here.

Submit Application

Your Chosen Policy

NAME

Start Date: XXX

Excess: XXX

Excess Waivers: XXX

Co-payment / % Hospital Contribution: XXX

view more info

Schedule a call with one of our Brisbane based health experts Schedule a Call

Normal Opening Hours

Call us on

1800 777 7121800 427 419

We can help you

Tell us about yourself, so we can find the right cover for you..

We have a few additional questions about you and your partner

What would you like covered in your new health policy?

Select the benefits that are important to you and we will show you the products that suit your needs.

Examples of what may be included under these benefits are in italics. Check the policy brochure to confirm which benefits are included.

Hospital

I'd like Private
Hospital coverPrivate Hospital
Cover

I'd like a minimum
cover to reduce my taxLimited Hospital
Cover

Extras

Fill in your details below to compare products

Your Chosen Policy

Your Details

Residential Address

Postal Address

Your Partner's Details

Your Dependants' Details

When completed, confirm your new income tier

When to start your cover

Your Chosen Policy

NAME

Payment Details

Secure transaction

Secure transaction

Please nominate a bank account for future claim payments

Secure transaction

Your Chosen Policy

NAME

Normal Opening Hours

Call us on

1800 777 7121800 427 419

We can help you

Tell us about yourself, so we can find the right cover for you..

We have a few additional questions about you and your partner

What would you like covered in your new health policy?

Select the benefits that are important to you and we will show you the products that suit your needs.Examples of what may be included under these benefits are in italics. Check the policy brochure to confirm which benefits are included.

Hospital

I'd like PrivateHospital coverPrivate HospitalCover

I'd like a minimumcover to reduce my taxLimited HospitalCover

Extras

Fill in your details below to compare products

Your Chosen Policy

Your Details

Residential Address

Postal Address

Your Partner's Details

Your Dependants' Details

When completed, confirm your new income tier

When to start your cover

Your Chosen Policy

NAME

Payment Details

Secure transaction

Secure transaction

Please nominate a bank account for future claim payments

Secure transaction

Your Chosen Policy

NAME

Select the benefits that are important to you and we will show you the products that suit your needs.

Examples of what may be included under these benefits are in italics. Check the policy brochure to confirm which benefits are included.

I'd like Private
Hospital coverPrivate Hospital
Cover

I'd like a minimum
cover to reduce my taxLimited Hospital
Cover