Best Health Insurance in New South Wales Sydney, Newcastle and Wollongong

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To see the best health insurance plans, start by providing a few details about yourself:

The state or territory that the people covered by this policy will be living in most of the time. New South Wales includes Norfolk Island.
Adults include all people over 18 years who live in the same household. Age limit may vary for some insurers - see dependants below.
Some insurers will cover older dependants aged 18-24 if, for example, they are full-time students. Some may also allow a young adult dependant (18-24) to be covered on the same policy as adults in exchange for a higher premium - check with the insurer for details.
39 listings
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Frank Health Insurance
4.2 from 559 reviews
  • Transparency
    3.9 (80)
  • Customer Service
    4.2 (95)
  • Value for Money
    3.9 (97)
  • Claim ApprovedYes (46) · No (6)
AIA Health Insurance
  • Award Winner 2022
4.8 from 477 reviews

AIA Health Insurance is an insurance provider that shines when it comes to having transparent policies with lots of benefits that are reasonably priced. The staff are reported to be patient and kind, too.

Affordable premiums
Knowledgeable staff
Easy to deal with
  • Transparency
    4.7 (323)
  • Customer Service
    4.8 (348)
  • Value for Money
    4.5 (317)
  • Claim ApprovedYes (10) · No (5)
Queensland Country Health Fund
4.8 from 172 reviews

This member-focussed private health insurer is the only health insurer based in regional Queensland. It works alongside the Queensland Country Bank to meet insurance and financial needs of residents living in the state’s regional areas.

Great value for money
Smooths claims process
Attentive and well-informed staff
  • Transparency
    4.8 (115)
  • Customer Service
    4.9 (130)
  • Value for Money
    4.6 (126)
  • Claim ApprovedYes (52) · No (3)
Phoenix Health Fund
  • Award Winner 2021
4.8 from 177 reviews

If you’re concerned about how your health fund uses its profits, Phoenix Heath Fund is a not-for-profit health insurance company that’s been around for 65 years, and enjoys high overall satisfaction with its happy members.

Generously pays claim amounts
Outstanding customer service
Profits go back into the business
Monthly premiums can increase periodically
  • Transparency
    4.8 (120)
  • Customer Service
    4.9 (127)
  • Value for Money
    4.7 (120)
  • Claim ApprovedYes (21) · No (0)
CUA Health
4.6 from 678 reviews

CUA Health is owned by HBF, a mutual organisation designed to reward members instead of shareholders. There is a wide range of policy options to choose from.

Westfund Health Insurance
  • Award Winner 2021
4.6 from 328 reviews

This not-for-profit health fund pays benefits back to members, including 89 cents in every dollar of premiums.

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Australian Government Rebates & Incentives for Private Health Insurance

There are a number of government rebates, discounts, and additional charges that could apply to you when taking out private health insurance. We've outlined the main ones here so you don't have to dig through all the research yourself.

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rt health
4.4 from 142 reviews

Latest review: I would like to thank Peta from rt health for her wonderful customer service. It was extremely refreshing to deal with such a capable individual who made my experience in joining rt health very

Frank Health Insurance
4.2 from 559 reviews

Latest review: The policy has very good value. Setting up with this insurance was very easy and clearly understandable. All Claims were settled promptly. I have been with this insurance for 3

GMHBA Health Insurance
4.2 from 340 reviews

Latest review: I've had private health for more than 30 years and have rarely claimed but the one time I need them we're not covered. An ambulance visit is something ALL private health cover services should

Allianz Care

Allianz Care

 · includes 2 listings
4.1 from 1,650 reviews

Latest review: Allianz Care - why, because there isn't any other provider who has condition 8501 included in their package. I signed up because my mother is here on a temporary visit. The monthly agreed amount was

Peoplecare Health Insurance
3.7 from 68 reviews

Latest review: I've been with Peoplecare for a few years now. They are one of the best companies that I have ever dealt with. Their rates are exceptionally good, Aussie call centre with very helpful staff, payments

No Gaps Dental
3.5 from 62 reviews

Latest review: I went for tooth filling and after an x-ray they told me for tooth extraction . They charged me full amount without giving the services. Hidden charges applies. Please Avoid visit. There should be

HCF Health Insurance
3.0 from 563 reviews

Latest review: HCF doesn’t seem to care for loyal long term customers they’ll take my 7% discount & health dollars, charge more to add something under hospital cover & apply 12 month wait period (I don’t mind 6mont

Police Health
4.1 from 19 reviews

Latest review: Also have a problem with coverage for CPAP Health Appliance (See last Reviewer). Police Health is one of about 10% of Health Funds that do NOT cover CPAP machines under their EXTRAS cover despite

HIF (Health Insurance Fund)
2.9 from 128 reviews

Latest review: I have full insurance once admitted to hospital with a small excess. I recently arrived in an ambulance after an accident and I need urgent surgery on my leg and admission to a hospital. I was

Navy Health
3.8 from 19 reviews

Latest review: They have no idea what they are doing. Pick and choose what they cover and when you call to ask them, they can’t tell you. Beyond frustrating and unhelpful, I would find somewhere else. I ended up g

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Defence Health Health Insurance

Latest review: Reducing dental benefits yet again and increasing premiums at the next opportunity. This organisation is the lowest of the low in looking after its paying ex-service people. It is just a typical

ahm Health Insurance
2.5 from 344 reviews

Latest review: Claim is paid I a day or two . App is easy to use . Friendly professional staff cheapest rates .peace of mind. Saving me a lot of money and would highly recommend as I have stayed with them for

NIB Health Insurance
2.3 from 620 reviews

Latest review: Waste of money and waste of time. I strongly recommend not to go with nib. I had a worst experience for claiming bills. When you claim something you have to call them and follow up every

Health Care Insurance
3.8 from 12 reviews

Latest review: Have been with this company for coming up 12 months now and will not be back when this premium expires. Three times now have gone to claim for services rendered only to find that my card was not

St. Lukes Health
3.2 from 19 reviews

Latest review: I've said it before and I'll say it again - you can't get any better customer service than what you receive when you walk in their front door in Launceston. A million thanx Jo for your help and

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Frank Health Insurance
4.2 from 559 reviews
  • Transparency
    3.9 (80)
  • Customer Service
    4.2 (95)
  • Value for Money
    3.9 (97)
  • Claim ApprovedYes (46) · No (6)
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