The benefits of private health insurance

  • You get to choose your doctor which means peace of mind.
  • Access to the HCF network of Participating Private and Public hospitals.
  • If you need an urgent operation or medical treatment you won't need to go on a waiting list. Our Hospital cover will quickly get you into a private hospital so you can spend your time getting better, not waiting for surgery and a bed.
  • Our benefit limits for Extras like dental, optical, chiropractic and physiotherapy services will keep more money in your pocket and help you to achieve a better level of health.
  • You can avoid having to pay the Lifetime Health Cover loading by purchasing hospital cover by 1 July following your 31st birthday. Loading adds an additional 2% to the cost of your premiums for every year after you turn 31.
  • Reduce your tax by taking out private health insurance and not having to pay the Medicare Levy Surcharge (extra tax). Go to for full details.

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