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Browse health covers

Health insurance cover for

Choosing private health insurance should be as worry-free as possible. Based on the information that you have given us, the following covers that may suit your needs.

*For most items at Members First providers, covering general dental, physio and chiro services. Annual maximums, waiting periods and fund rules apply.

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You can refine your search to only show covers that match your specific needs by checking the hospital and/or extras services below.
Hospital procedures
Extra services
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Active Saver

 

 
Hospital Cover
      BASIC
$250 excess
Extras Cover
      BASIC
up to extras paid back*

Bronze Extras

 

 
Hospital Cover
      NO COVER
Extras Cover
      BASIC
up to extras paid back*

Budget Family

 

 
Hospital Cover
      BASIC
$250 excess
Extras Cover
      BASIC
up to extras paid back*

Budget Hospital

 

 
Hospital Cover
      BASIC
$250 excess
Extras Cover
      NO COVER

Budget Hospital with Bronze Extras

 

 
Hospital Cover
      BASIC
$250 excess
Extras Cover
      BASIC
up to extras paid back*

Budget Hospital with Gold Extras

 

 
Hospital Cover
      BASIC
$250 excess
Extras Cover
      TOP
up to extras paid back*

Budget Hospital with Platinum Extras

 

 
Hospital Cover
      BASIC
$250 excess
Extras Cover
      TOP
up to extras paid back*

Budget Hospital with Silver Extras

 

 
Hospital Cover
      BASIC
$250 excess
Extras Cover
      MEDIUM
up to extras paid back*

Budget Hospital with Your Choice Extras

 

 
Hospital Cover
      BASIC
$250 excess
Extras Cover
      MEDIUM
up to extras paid back*

Choices

 

 
Hospital Cover
      BASIC
$250 excess
Extras Cover
      BASIC
up to extras paid back*

Emergency Only Ambulance Cover

 

 
Hospital Cover
      NO COVER
$250 excess
Extras Cover
      NO COVER

Established Family

 

 
Hospital Cover
      MEDIUM
$250 excess
Extras Cover
      MEDIUM
up to extras paid back*

Family Essentials Hospital Cover

 

 
Hospital Cover
      BASIC
$250 excess
Extras Cover
      NO COVER

Family Essentials Hospital Cover with Bronze Extras

 

 
Hospital Cover
      BASIC
$250 excess
Extras Cover
      BASIC
up to extras paid back*

Family Essentials Hospital Cover with Gold Extras

 

 
Hospital Cover
      BASIC
$250 excess
Extras Cover
      TOP
up to extras paid back*

Family Essentials Hospital Cover with Platinum Extras

 

 
Hospital Cover
      BASIC
$250 excess
Extras Cover
      TOP
up to extras paid back*

Family Essentials Hospital Cover with Silver Extras

 

 
Hospital Cover
      BASIC
$250 excess
Extras Cover
      MEDIUM
up to extras paid back*

Family Essentials Hospital Cover with Your Choice Extras

 

 
Hospital Cover
      BASIC
$250 excess
Extras Cover
      MEDIUM
up to extras paid back*

Gold Extras

 

 
Hospital Cover
      NO COVER
Extras Cover
      TOP
up to extras paid back*

Growing Family

 

 
Hospital Cover
      BASIC
$250 excess
Extras Cover
      MEDIUM
up to extras paid back*

Live Well

 

 
Hospital Cover
      MEDIUM
$250 excess
Extras Cover
      MEDIUM
up to extras paid back*

Platinum Extras

 

 
Hospital Cover
      NO COVER
Extras Cover
      TOP
up to extras paid back*

Platinum Extras

 

 
Hospital Cover
      NO COVER
Extras Cover
      TOP
up to extras paid back*

Premium Ambulance Cover

 

 
Hospital Cover
      NO COVER
$250 excess
Extras Cover
      NO COVER

Silver Extras

 

 
Hospital Cover
      NO COVER
Extras Cover
      MEDIUM
up to extras paid back*

Simple Start

 

 
Hospital Cover
      BASIC
$250 excess
Extras Cover
      BASIC
Fully covered on a set number of services only at Members First ^

Standard Hospital

 

 
Hospital Cover
      MEDIUM
$250 excess
Extras Cover
      NO COVER

Standard Hospital with Bronze Extras

 

 
Hospital Cover
      MEDIUM
$250 excess
Extras Cover
      BASIC
up to extras paid back*

Standard Hospital with Gold Extras

 

 
Hospital Cover
      MEDIUM
$250 excess
Extras Cover
      TOP
up to extras paid back*

Standard Hospital with Platinum Extras

 

 
Hospital Cover
      MEDIUM
$250 excess
Extras Cover
      TOP
up to extras paid back*

Standard Hospital with Silver Extras

 

 
Hospital Cover
      MEDIUM
$250 excess
Extras Cover
      MEDIUM
up to extras paid back*

Standard Hospital with Your Choice extras

 

 
Hospital Cover
      MEDIUM
$250 excess
Extras Cover
      MEDIUM
up to extras paid back*

Top Hospital

 

 
Hospital Cover
      TOP
$250 excess
Extras Cover
      NO COVER

Top Hospital with Bronze Extras

 

 
Hospital Cover
      TOP
$250 excess
Extras Cover
      BASIC
up to extras paid back*

Top Hospital with Gold Extras

 

 
Hospital Cover
      TOP
$250 excess
Extras Cover
      TOP
up to extras paid back*

Top Hospital with Platinum Extras

 

 
Hospital Cover
      TOP
$250 excess
Extras Cover
      TOP
up to extras paid back*

Top Hospital with Silver Extras

 

 
Hospital Cover
      TOP
$250 excess
Extras Cover
      MEDIUM
up to extras paid back*

Top Hospital with Your Choice Extras

 

 
Hospital Cover
      TOP
$250 excess
Extras Cover
      MEDIUM
up to extras paid back*

Ultimate Health Cover

 

 
Hospital Cover
      TOP
$250 excess
Extras Cover
      TOP
up to extras paid back*

Young Couples Choice

 

 
Hospital Cover
      BASIC
$250 excess
Extras Cover
      MEDIUM
up to extras paid back*

Young Couples Saver

 

 
Hospital Cover
      BASIC
$250 excess
Extras Cover
      BASIC
up to extras paid back*

Young Singles Choice

 

 
Hospital Cover
      BASIC
$250 excess
Extras Cover
      MEDIUM
up to extras paid back*

Young Singles Saver

 

 
Hospital Cover
      BASIC
$250 excess
Extras Cover
      BASIC
up to extras paid back*

Your Choice Extras

 

 
Hospital Cover
      NO COVER
Extras Cover
      MEDIUM
up to extras paid back*
  • I need cover for... Please select your current status
  • My details are... Please tell us your age
    My date of birth
    My partner's date of birth
    I have a child aged 21-25 and who is not a fulltime student
  • My location and needs... Please tell us what you're looking for
    I live in
    I am looking for
Government Rebate
?

The Government offers all Australian residents who are entitled to Medicare benefits an income-tested rebate on their private health insurance.

The government now income tests the rebate on private health insurance. One way you can save up-front is to claim the rebate as a reduction on your premium, would you like to do that now?

For individuals earning $90000 ($180000 for families*) or under
*This increases by $1,500 per child after the first child

Please note: the above quote is for a $500 per person excess ($250 per person excess for Choices) for residents of the selected state, it does not include a Lifetime Health Cover loading and includes your selected Australian Government Rebate on private health insurance. From 1 July 2012 the Australian Government Rebate on private health insurance became income tested.

^ You are 100% covered on a set number of Simple Start services at Members First healthcare providers only.

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