GOVERNMENT REFORMSFAQs

FREQUENTLY ASKED QUESTIONS

The government’s private health insurance reforms are designed to make health cover easier to understand and more affordable.

The major reforms involve:

  • Hospital cover – introducing Gold, Silver, Bronze and Basic hospital categories for easier product comparison.
  • Naming of hospital treatments – standard clinical definitions across health funds so you can understand what’s covered.
  • Hospital excess – the introduction of a $750 excess for singles and $1,500 for families to help you manage costs.
  • Extras – health funds can no longer cover certain natural therapies.

Browse our frequently asked questions to learn about these, and other government reforms.

YOUR COVER

What the changes could mean for your hospital or extras cover.

cover categories

How the Gold, Silver, Bronze and Basic categories will work.

clinical categories and definitions

Standard categories and definitions will make it easier to compare levels of cover, and across different funds.

NATURAL THERAPIES

Which natural therapies the government has said that health funds can no longer cover, and why.

TRAVEL AND ACCOMMODATION BENEFIT

A new hospital benefit to make treatment more accessible if you need to travel outside your area.

new excess options

More choice over excess means you'll have more control over the cost of your cover.

age-based discounts

The Government is allowing discount premiums for people aged 18–29. To help make health cover more accessible we launched a new hospital and extras package designed for younger people – HCF My Future Basic Plus.

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