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Comparing private health insurance for

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Your date of birth

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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

Your partner's date of birth

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

Need Help?

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Your partner's 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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Help us find the right cover for you

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

Private hospital cover

I want private hospital cover

Select what's important for you to have covered in private hospital from the options below:

My cover options
I'd like minimum cover to reduce my tax

Quick select:

Start a Family

Ageing Gracefully

Clear selection

Bone, muscle and joint reconstruction

Joint reconstructions, arthroscopies, carpal tunnel surgery, broken bones

Back surgery

Back and neck surgery, spinal column, spinal fusion

Joint replacements

Hip or knee replacements, spinal disc replacement, resurfacing

In hospital rehabilitation

Post-operative, recovery, stroke recovery, cardiac rehabilitation

Heart and vascular

Heart attacks, bypass surgery, angiograms, stents

Cancer

Chemotherapy, tumor removal, cancer treatment

Dental surgery in hospital

Wisdom teeth removal in hospital, dental implants

Ear nose & throat

Sinus surgery, tonsils, adenoids, grommets

Hernia & appendix

Hernia removal, appendix removal, appendicitis treatment

Major eye surgery

Cataracts, eye lens, tear duct

Pregnancy

Pregnancy, labour, post-natal care, C-section, inpatient obstetrician care

Assisted reproduction

Infertility, IVF, GIFT, in-patient

Weight loss surgery

Obesity surgery, weight loss, abdominoplasty, lipectomy

Dialysis

Kidney failure, haemodialysis

Medically necessary plastic and reconstructive surgery

burn grafts, cleft palate, medically necessary reconstructive surgery

In hospital psychiatry

Depression, schizophrenia, eating disorders, addiction therapy

Palliative care

Quality of life, dignity, terminal illness care

Pain management (without device)

nerve block, in hospital pain relief

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 My cover options tab above.

Extras cover

I want extras cover

Select the services you want to be covered for outside of hospital from the options below:

Please select the extras benefits that are important to you

Quick select:

General Dental

examinations, cleans, fillings, x-rays

Major Dental

crowns, bridges, surgical extractions, wisdom teeth, dentures

Orthodontic

braces, retainers, fitting, adjustment

Endodontic

root canal therapy, gum treatment

Optical

frames, lenses, contacts, prescription sunglasses

Physiotherapy

sport, muscles, movement, post-operative, exercise

Remedial Massage

deep tissue, injury treatment, sports

Chiropractic

consultations, x-rays, back manipulation, bones

Acupuncture

needles, pressure points, pain relief

Naturopathy

consultation, homeopathy, alternative medicine

Podiatry

feet, ingrown nails, corns, bunions

Orthotics

customised insoles, corrective, supportive

Psychology

mental health, consultations, pharma free

Non PBS Pharmaceuticals

prescriptions, non-subsidised

Lifestyle

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

Eye Therapy

crossed eyes, lazy eyes, double vision, blurred vision

Occupational Therapy

physical function, movement, down's syndrome

Speech Therapy

communication skills, stutters, down's syndrome

Hearing Aids

repair, replacement

Dietetics

diet, nutrition, disease management, weight loss

Health Aids & Appliances

c-pap, glucose monitors, blood pressure, crutches

Next step

Living In

Cover For

You

Partner

Born

+ Add

Gov. Rebate

Hospital

and more

Extras

and more

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Restricted Benefits

Conditions or services which this insurance policy covers to a limited extent. The fund will pay reduced benefits on hospital admissions in a private or public hospital, meaning that if you are admitted to a private hospital or to a public hospital as a private patient for treatment that is restricted by your policy, large out of pocket expenses will apply.

Please refer to the policy brochure for more detail.

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

Other Number

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

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

Yes No

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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..

Help us find the right cover for you

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.

Private hospital cover

My cover options

I'd like minimum cover to reduce my tax

Extras cover

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..

Help us find the right cover for you

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.

Private hospital cover

My cover options

I'd like minimum cover to reduce my tax

Extras cover

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.