Best Real Insurance Health Insurance in Victoria in 2026 as reviewed by Australian consumers

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

Where will you be living?

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.

How many adults will be covered by this policy?

Adults include all people over 18 years who live in the same household. Age limit may vary for some insurers - see dependants below.

Who are the oldest dependants to be covered by this policy?

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.

What type of policy do you need?

Hospital Only

Hospital policies cover most or all of your costs as a patient in hospital, including hospital accommodation, medical treatment & (in some states) ambulance.

Extras Only

General treatment policies cover health services not covered by Medicare, such as dental, optical and physiotherapy & may also cover ambulance.

Hospital and Extras

Combined policies cover both Hospital and General treatment.