General Guides

Got questions about Health Insurance? Medicare? We’ll give you all the tools and information you need to find out whether health insurance is for you.

For more handy health insurance tools & tips, browse our other categories or compare health insurance policies here.

THINK PINK! Together, we can beat breast cancer. Here’s how

We’re all affected by breast cancer, whether it’s us, a friend or a loved one that receives a diagnosis. And.........

Read More
Can your health insurer drop you

Can your health insurer drop you without notice?

We’ve all heard the horror stories. You go about your business, confident in the knowledge that your health insurance ......

Read More
Health cover buying guide

Do I need health insurance? Australian health cover buying guide

Do I need health insurance? It’s a fair question. Medicare covers a range of healthcare services for Australian citize......

Read More

Health insurance benefits for rural and remote Australians

According to the National Rural Health Alliance Inc., the health status of Australians living in remote areas is worse t......

Read More

How does health insurance affect my tax return?

When it comes to various forms of personal insurance, many Australians can claim a portion of premiums paid back in.........

Read More

Which health insurance companies are non-profit?

A not-for-profit health insurance provider is one that invests its profits back into its members rather than shareholder......

Read More

How do I choose a private health fund?

So you’re ready to shop for a private health fund! You’ve probably got an idea of what you’re looking for..........

Read More

What is healthcare fraud?

Healthcare fraud is a widespread problem in the Australian insurance industry, and it can have a negative effect on both......

Read More
Personal Accident Cover

Personal accident cover: What you need to know

Key Points Personal accident cover (also called accidental injury or accident-only cover) is insurance against accidents......

Read More
Restricted vs open funds

Restricted health funds vs open: What’s the difference?

Health funds in Australia must be registered under the Private Health Insurance Act 2007 as either an ‘Open’ or ‘R......

Read More
2019 Health Reforms

2019 Health Reforms: What changes can we expect?

2019 is a big year for private health insurance, because the long-discussed reforms will come into effect. But what are.......

Read More
Gold product tier health insurance

2019 Health Reforms: Gold Health Insurance Policies

Australian health insurance becomes more expensive every year, but that doesn’t mean the benefits are going up. There ......

Read More
Silver health insurance tier

2019 Health Reforms: Silver health insurance policies

If you’re tired of comparing apples with oranges when it comes to your health insurance, the government is looking to.......

Read More
Bronze Health Insurance Tier

2019 Health Reforms: Bronze health insurance policies

On 1 April 2019 a new product tier system will be introduced for hospital cover. This will make policies easier.........

Read More
2019 Health Insurance Reforms Basic Tier

2019 Health Reforms: Basic health insurance policies

Under the current health cover system, insurers are able to determine which benefits to include and exclude across all o......

Read More
Valentine's day health gift guide

12 healthy gift ideas for Valentine’s Day

Valentine’s Day is around the corner, so if you haven’t thought about gifts yet, don’t settle for a last-minute bu......

Read More
Health insurance member networks in Australia

What Are Health Insurance Member Networks And How Do They Work?

Extras policies cover Australians for the medical services they use everyday. If you visit the dentist, optometrist, mas......

Read More

Rejected! How to Appeal When Your Health Insurance Claim is Denied

You’ve submitted what you believe to be a legitimate health insurance claim only to have it denied. There are probably......

Read More

How to Maintain Private Health Insurance After Losing A Job

The professional landscape is always changing, and nobody’s job is truly safe. Companies crash out of nowhere which fo......

Read More

Ear Health: The Importance of Seeing an Audiologist

If you’ve started to notice that your hearing ability has decreased over recent years, you may want to visit an.........

Read More

Going Overseas? Take a Holiday From Your Health Insurance Premiums

Australian private health insurance won’t cover you while you’re overseas—that’s what travel insurance is for. W......

Read More
Optical Cover

Optical Health Insurance: What Does it Cover?

If you need glasses, you’ll know how expensive a new set of frames can be! Especially if you have a.........

Read More
Health insurance rate rise 2019

Your Guide to the Health Insurance Rate Rise 2019

Every year the government approves a rate rise for health insurance premiums. This increase always goes into effect on 1......

Read More
Healthy Christmas Gift Guide

Guilt-Free Christmas Gift Guide: 2018

Christmas rolls around at the same time every year. Somehow, knowing that it’s coming doesn’t make buying gifts any ......

Read More

Will Health Insurance Help With Alcohol Addiction Rehab?

Many people like to drink alcohol but for some, it can lead to addiction. Over time, a tolerance for alcohol.........

Read More

After-Hours GP Care: How Health Insurance Can Help

Getting sick can happen at any time, not just during business hours. So what should you do when you or.........

Read More

Health Insurance and Flu Season: Protecting Yourself & Your Family

It is estimated that 1 in 5 of us will suffer some symptoms this flu season. Although not serious for.........

Read More

Will Private Health Insurance Cover My Cosmetic Surgery?

Thinking of undergoing cosmetic surgery? You may be wondering whether you’ll receive any assistance from your health i......

Read More

Private Health Insurance for Athletes and Sports Players

Are you an avid sports player?  Do you consider yourself an athlete? If so, odds are you have at least.........

Read More
Low Income Health Care Card

Low Income Health Care Card: How to Qualify and Make a Claim

  As the benefits of private health insurance become more abundant and awareness of those benefits increases, more ......

Read More

Private Health Insurance For Men: What’s in it for me?

Finding the cheapest healthcare plan might seem like a good way to save some money, but it can end up.........

Read More

Compare health insurance for drug addiction treatment

Drug addiction can occur in any family, from any background. As awareness about the nature of drug addiction and its.........

Read More

Is Medicare Enough? Public vs. Private Health Care: Know Which is Right for You [2020 Update]

Thinking about private health insurance but not sure where to start? Can you get by with Medicare or do you.........

Read More
Confused Couple Looking Over Health Cover

5 Private Health Insurance Myths Blowing your Budget

Health insurance can seem like a confusing, messy and scary business – especially when you could quite literally p......

Read More

The Dos and Don’ts of Private Health Insurance

Let’s face it: health insurance can be hard to get your head around. It’s this confusion that leaves many Australian......

Read More

How to Avoid the “Gap” When You Go to Hospital

Many people assume that Hospital cover will automatically pay for everything if you need to go into hospital but unless.......

Read More

Taxes and Your Health Insurance

With a new tax year just around the corner, it’s worth thinking about how your health insurance can be affected.........

Read More
Happy Family With Health Cover

4 Treatments Your Family Needs on Their Health Cover

  Deciding what to include in your health insurance cover can be very confusing and many families simply don’t kn......

Read More
Health Insurance for Smokers

Smoker’s Guide to Private Health Insurance Premiums

Smokers pay high prices for their cigarettes, but many Australians believe that they should pay high prices for health i......

Read More

5 Ways to Save Big Money on Your Health Insurance

The rising costs of health insurance premiums mean that many Australians are concerned about whether they can continue t......

Read More
Woman Switching Health Cover

How to Switch Health Insurance

Over half of Australians have some degree of health insurance. Consumers have the option to shop around among multiple h......

Read More
Medicare Levy vs Medicare Levy Surcharge

Medicare Levy and Medicare Levy Surcharge: What’s the difference?

Australian citizens are subject to several taxes and fees, two of which are the Medicare Levy and the Medicare Levy.........

Read More
Lifetime Health Cover Loading

Lifetime Health Cover Loading and You

Key Points What is Lifetime Health Cover Loading? The Lifetime Health Cover (LHC) loading is an initiative launched on 1......

Read More

Health Insurance for Couples

Purchasing private health insurance limits out-of-pocket costs and gives you broader choices than Medicare cover. If you......

Read More

Benefits of Private Health Insurance

Australian residents and some visitors on student or work visas have Medicare coverage to provide payment for their hosp......

Read More

Private Health Insurance: Can You Avoid the Waiting Period?

Before you can make a claim through your private health insurer, you need to make sure your waiting period is.........

Read More

Medicare and Dental Cover

Medicare does not cover most out-of-hospital services and if you need any type of dental treatment, you will need Extras......

Read More
Medicare Levy Surcharge

What is the Medicare Levy Surcharge?

Purchasing health insurance is a smart financial decision for many different reasons, but one of the many financial bene......

Read More

Ombudsman Complaint Letter Templates

Many customers who invest in private health insurance are very happy and satisfied with the coverage and customer servic......

Read More

How to Make a Health Insurance Claim

Private hospital insurance should provide cover for treatments received when you need hospital care, while Extras cover ......

Read More

Private Health Insurance Ombudsman PHIO

When purchasing private health insurance, you have certain consumer rights. If your insurance company fails to follow th......

Read More

Private Health Insurance for 30 Year Olds

Before you turn 30, private health insurance is more of a benefit than a necessity. For 30 year olds, however,.........

Read More

The Private Health Insurance Rebate

The private health insurance rebate is offered by the government for eligible Australians who hold a hospital or extras ......

Read More

Guest Post: I Was Once a Health Insurance Sceptic

This is a guest post from Kirsty at My Home Truths.  —– I  was once healthy. Apart from being prescribed........

Read More

Hospital vs. Extras Cover

Medicare in Australia covers treatment at public hospitals, x-rays, pathology tests, and immunisations. It does not prov......

Read More

Health Insurance for 485 Visas

If you are an international student who has recently graduated from an educational institution in Australia, you may wis......

Read More
Health Insurance Waiting Periods

Private Health Insurance and Waiting Periods

When you buy private health insurance to cover hospital care or extras, you may be subject to waiting periods. Waiting........

Read More

Health Insurance and Pre-Existing Conditions

Millions of Australians are covered by private health insurance. According to recent APRA figures, over 11 million Austr......

Read More

Health Insurance: Everything You Need to Know About “The Gap”

Medicare covers for a portion of medical treatments, but it’s not designed to pay for everything. This is one reason........

Read More
Work Abroad with a 457 Visa

457 Visa Health Insurance

A 457 visa is the visa most commonly used when a foreign worker comes to Australia to temporarily join the.........

Read More

Orthodontics and Private Health Insurance

Orthodontia is a form of dentistry that focuses on studying and treating issues such as improper bites, tooth irregulari......

Read More

Medicare vs Private Health Insurance [2020 Update]

Medicare serves a valuable purpose in our healthcare landscape. It provides basic coverage for people who can’t afford......

Read More

Tax treatment of Australian Private Health Coverage

Private health Insurance (PHI) has received generous tax treatment in Australia for the past 15 years. But belt-tighteni......

Read More

Health Insurance and the Chronic Disease Management Program

People who live with chronic diseases may be faced with multiple doctor and hospital visits and treatments throughout th......

Read More

What’s In It For Me? The Benefits of Private Health Insurance

Private health insurance has become increasingly popular in recent years. It gives an individual or his or her family ac......

Read More
Request a callback close

Our experts can provide you with free personal advice. Let us call you.