Best Private Health Insurance Australia

Find a great private health insurance policy that fits your needs by comparing providers today. Multiple options to choose from without having to spend hours doing all the leg work.

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Written by Clint Robinson, GoSwitch CEO

Published 18 November 20246 mins read

Private health insurance gives you the freedom to select a suitable time and place for medical treatments or procedures. You can choose your own doctor, avoid long waiting lists, and stay in a private room overseen by qualified medical staff. Non-hospital medical services such as physiotherapy and dental care can also be included with ‘extras’ coverage. GoSwitch can help select the right private health insurance at the right price to protect you and your family.

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Do you want to compare health insurance plans?

Choosing the best health insurance plan among the many available health care options can be challenging. Our team at GoSwitch is here to assist you in your search for the most suitable medical coverage. Health Insurance cover variables can include basic hospital services, private hospital cover, ambulance cover, and extras policies with combined hospital and dental treatments.

GoSwitch is Australia’s number one energy price comparison service, and we apply our same determination to uncover the best health insurance companies and policies. Use the online form to get health insurance deals for your postcode or speak to a GoSwitch call-centre expert for more details and information about lifetime health cover loading, annual limits, inclusions, exclusions, waiting periods, Medicare Levy surcharges, out of pocket costs, other insurance products, and Australian Government incentives.

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Discover the advantages of health coverage

Get the best care when you need it most

If you prefer receiving medical care in a private hospital as a private patient, having private hospital insurance can assist with the financial responsibilities involved. By opting for personal hospital coverage, you can choose your own physician and enjoy the comfort of a private room, while also avoiding the lengthy queues typically found in public hospitals.

Supplements to medical insurance

Coverage extras can help with the costs of non-hospital medical services that Medicare doesn't pay for. This could cover the cost of new eyeglasses, physiotherapy, or a dental exam and cleaning.

Add on extras and get the right cover when you need it

The coverage provided by a combined health insurance plan includes both hospitalisation and extras cover. It can help reduce the cost for a wide variety of hospital and non-hospital treatments.

Safety net for dental care

Many Australians would be in dire straits without dental insurance due to the high cost of care. This becomes even more important if you need extensive dental work, like implants or dentures. Most health insurance policies cover both major and minor dental procedures.

Physiotherapy cover

Rehabilitation from an injury can be aided by seeking out a physiotherapist's advice and following their prescribed treatment plan. Health insurance can help offset physio, osteopathy, and other costs when required.

Pre-existing conditions

A pre-existing condition is a health problem before you purchase your policy. You won't have to pay extra for your insurance because of your illness, but it could mean longer wait periods for related treatments. However, you may be eligible for other rebates.

FAQs

What is the best health cover in Australia?

The best health cover depends on your individual needs and the insurance premiums (cost) and excess required to pay when making a hospital claim. Some health insurance products might be great for families, while others are better suited to seniors, singles or couples. GoSwitch can help you compare different policies to find the perfect fit for you.

How much does private health insurance cost?

The cost of private health insurance varies depending on your age, the level of cover, and the for-profit health fund you go with. Some funds offer basic cover for a few hundred dollars a year, while others can cost a few thousand. It’s always best to compare different health funds and policies with GoSwitch to find the one that suits your budget and needs.

How do I get two private health insurance policies?

You can split your health cover between two providers if you prefer. This could mean having hospital cover with one insurer and extras cover with another. GoSwitch can help you compare and combine different hospital policies to find the right mix for you.

Does private health insurance cover dental services?

Dental coverage depends on your specific policy and level of extras cover. Many policies cover routine checkups and basic treatments, while some also cover major dental work like orthodontics. Use GoSwitch to compare policies and see what’s included in each.

What is the best health insurance company to go with?

The best health insurance company for you will depend on your individual needs and the specific health services you’re looking for. Some companies excel in hospital cover, while others offer better value for extras. GoSwitch makes it easy to compare different companies and their offerings so you can find the one that’s right for you.

Guide to Health Insurance from GoSwitch

The value you get from your extras is crucial. It might be cost-effective if you frequently use the benefits, such as annual checkups or eyeglasses. It may be more prudent to save up for larger purchases and pay for services as they are used if this is more of a "just in case" measure. Discounted rates may seem appealing, but cheap doesn’t always mean that it’s good. Raising your deductible could be a good option if you're looking to cut costs but want to keep coverage essentials. One of the main advantages of private health insurance is its adaptability. If you move insurance, for instance, your new insurer will consider any waiting times you've already fulfilled. You should know there will be a delay before accessing improved or brand-new features and benefits.

Choosing the right coverage is crucial when comparing health insurance plans since it can determine whether or not medical expenses will be covered or need to be paid for out of pocket. Others may only be interested in purchasing "extras," while others may solely opt for hospitalisation coverage. For comprehensive protection, many people opt for hospital and supplemental coverage policies. There is no fee to utilise GoSwitch's comparison service. Instead, when one of our customers joins the health fund, we get a commission from the provider, ensuring our service is completely free of charge for you