FREQUENTLY ASKED QUESTIONS
The government’s private health insurance reforms are designed to make it easier for you to choose cover that’s right for you, and get maximum value from your insurance.
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.
What the changes could mean for your hospital or extras cover.
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.
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.
What we're doing to make health cover more affordable for young people.
Have a question? We're here to help.