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Best Health Insurance in Victoria Melbourne and Geelong

Health Insurance Guide for 2020

The decision to take up private health insurance can be a very involved process, and the factors that go into your decision will be unique to you. Your first dip into the policy selection process can be pretty overwhelming, so this guide will help lay everything out for you as plainly as possible to get you on your way.

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37 listings

Frank Health Insurance

Frank Health Insurance

4.2 from 501 reviews
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  • Transparency
    3.9 (41)
  • Customer Service
    4.2 (55)
  • Value for Money
    3.9 (57)
  • Claim ApprovedYes (30) · No (3)
CUA Health
  • Award Winner 2020
  • 2019

CUA Health

4.5 from 595 reviews

Latest review: Look, I don't know that anyone thinks their policy is "great value" but we get what we pay for, don't we? CUA Health provides up to 365 days per year for hospital stays. When you're dealing with

  • Transparency
    4.4 (98)
  • Customer Service
    4.6 (136)
  • Value for Money
    4.3 (127)
  • Claim ApprovedYes (40) · No (3)
Westfund Health Insurance
  • Award Winner 2020

Westfund Health Insurance

4.6 from 243 reviews

Latest review: The policy we have is such good value, it is giving us excellent cover with the extras cover we have with Westfund. We moved over to Westfund in the last six months for our extras cover and we could

  • Transparency
    4.6 (67)
  • Customer Service
    4.6 (80)
  • Value for Money
    4.6 (78)
  • Claim ApprovedYes (56) · No (4)
Allianz Global Assistance

Allianz Global Assistance · includes 2 listings

4.2 from 1,543 reviews

Latest review: they don't process claims always keep asking for more documents until you get tired of it and stop in other words they try very hard to find excuses to reject your claim or make you stop demanding

  • Transparency
    4.0 (267)
  • Customer Service
    4.2 (354)
  • Value for Money
    3.9 (331)
  • Claim ApprovedYes (124) · No (35)
Frank Health Insurance

Frank Health Insurance

4.2 from 501 reviews

Latest review: Good choice of cover. Good premiums. Great service. Any query always answered promptly, clearly and courteously. I've been with Frank for about 6 years. Check other funds each year but always stay

  • Transparency
    3.9 (41)
  • Customer Service
    4.2 (55)
  • Value for Money
    3.9 (57)
  • Claim ApprovedYes (30) · No (3)
GMHBA Health Insurance

GMHBA Health Insurance

4.2 from 287 reviews

Latest review: Reasonably priced policy. We usually pay annually, but with Covid issues, decided to go monthly. That got annoying, so we enquired re paying the balance of the year i.e. 9 months. Following month we

  • Transparency
    4.1 (62)
  • Customer Service
    4.3 (72)
  • Value for Money
    3.8 (73)
  • Claim ApprovedYes (62) · No (4)
Phoenix Health Fund

Phoenix Health Fund

4.5 from 50 reviews

Latest review: I was informed about the access gap scheme which can be found on the website under each surgeon and I might have saved myself thousands of dollars in out of pockets expenses. Thanks :

  • Transparency
    4.8 (25)
  • Customer Service
    4.9 (27)
  • Value for Money
    4.7 (25)
  • Claim ApprovedYes (11) · No (0)
HCF Health Insurance

HCF Health Insurance

3.3 from 469 reviews

Latest review: After suffering a heart related episode I was taken to emergency and found myself being taken upstairs for three stents to be inserted. This procedure was successful, however some complications

  • Transparency
    2.8 (69)
  • Customer Service
    3.2 (95)
  • Value for Money
    3.1 (92)
  • Claim ApprovedYes (38) · No (17)
Peoplecare Health Insurance

Peoplecare Health Insurance

3.6 from 67 reviews

Latest review: The policy is relatively good value but while waiting to speak to someone, I kept hearing a message “... that means we treat you as a person not a number”. Simply by repeating this message every 60 se

  • Transparency
    2.5 (4)
  • Customer Service
    1.8 (4)
  • Value for Money
    2.0 (4)
  • Claim ApprovedYes (0) · No (1)
health.com.au

health.com.au

3.4 from 95 reviews

Latest review: I have been with health.com.au for a few months now, and their service is simple and amazing! They're so compassionate, empathetic, quick and efficient! Thank you and shoutout to Joel for making it

  • Transparency
    3.9 (34)
  • Customer Service
    4.3 (38)
  • Value for Money
    3.9 (36)
  • Claim ApprovedYes (15) · No (4)
Police Health

Police Health

4.6 from 17 reviews

Latest review: Customer service is disgusting.. [Name Removed] was rude, unknowledgeable and should probably find a job that involves her not talking to people on a daily basis. Waste of money, waste of time and

  • Transparency
    2.5 (2)
  • Customer Service
    3.0 (2)
  • Value for Money
    2.5 (2)
  • Claim ApprovedYes (1) · No (0)
Defence Health Health Insurance

Defence Health Health Insurance

3.9 from 24 reviews

Latest review: Took out a travel insurance policy for their "cancel for any reason" cover. This is not an accurate description as I won't be seeing one cent back from them whe trying to claim for a wedding

  • Transparency
    2.6 (8)
  • Customer Service
    3.5 (10)
  • Value for Money
    3.4 (10)
  • Claim ApprovedYes (5) · No (2)
Navy Health

Navy Health

4.2 from 17 reviews

Latest review: I’ve been with navy health for the last 13 years and their customer service needs improving. Especially if they specialise in helping ex defence service People! I tried to give them my white card as I

  • Transparency
    4.0 (3)
  • Customer Service
    4.0 (3)
  • Value for Money
    4.3 (3)
  • Claim ApprovedYes (1) · No (0)
HIF (Health Insurance Fund)

HIF (Health Insurance Fund)

3.0 from 120 reviews

Latest review: Been with hif for years, upgraded to the top cover ten months ago. My wife needed urgent exploratory surgery, hif had over a week to investigate whether it was pre existing or not and now on the day

  • Transparency
    2.6 (17)
  • Customer Service
    2.9 (21)
  • Value for Money
    2.8 (22)
  • Claim ApprovedYes (11) · No (1)
NIB Health Insurance

NIB Health Insurance

2.4 from 515 reviews

Latest review: I have paid 12 months for my fathers visitor cover. After applying visa extension, contacted the company for providing updated documents from immigration. Then came to know that my father’s cover is e

  • Transparency
    1.7 (72)
  • Customer Service
    1.9 (89)
  • Value for Money
    1.6 (90)
  • Claim ApprovedYes (21) · No (22)
Health Care Insurance

Health Care Insurance

4.3 from 10 reviews

Latest review: We are from Victoria and we being a loyal customer for ages, due to the pandemic we keep on paying the entire fee + they get the rebate from gov, but the ability of usage of the cover is so little,

St. Lukes Health

St. Lukes Health

3.3 from 16 reviews

Latest review: I signed with St Lukes with full gold hospital cover - and well after signing, we discovered we needed IVF. We had not even been trying for a baby before signing with them, so no way of knowing we

  • Transparency
    1.0 (3)
  • Customer Service
    1.0 (3)
  • Value for Money
    1.0 (3)
  • Claim ApprovedYes (1) · No (2)
AHM (Australian Health Management)

AHM (Australian Health Management)

2.1 from 243 reviews

Latest review: Don’t do a simple quote online as they have been Calling my mobile to the point of abuse, I have picked up the phone and informed them I don’t want the cover, I’ve even called the number and told a gu

  • Transparency
    2.5 (33)
  • Customer Service
    2.5 (36)
  • Value for Money
    2.3 (37)
  • Claim ApprovedYes (12) · No (7)
Teachers Health Fund

Teachers Health Fund

2.2 from 85 reviews

Latest review: I have lodged a claim for a non-pbs medical supply. The extras policy states there is a benefit allowance for this purpose, but of course when lodged my claim is denied. The reason? Oh we don't pay

  • Transparency
    2.4 (19)
  • Customer Service
    2.0 (28)
  • Value for Money
    2.7 (25)
  • Claim ApprovedYes (11) · No (9)
Latrobe Health Services

Latrobe Health Services

2.6 from 27 reviews

Latest review: I was upsold and convinced to leave HCF to move to Latrobe to their most expensive Top Extras product. I was told it would provide premium claims services on lifestyle benefits like massage. As soon

  • Transparency
    1.7 (3)
  • Customer Service
    2.2 (6)
  • Value for Money
    2.2 (6)
  • Claim ApprovedYes (0) · No (4)
Qantas Assure Health Insurance

Qantas Assure Health Insurance

2.3 from 51 reviews

Latest review: These days surely we can get cover for the things relevant to us and not have to pay through the roof for cover we don’t need, plus add gaps, r

  • Transparency
    2.0 (20)
  • Customer Service
    2.5 (26)
  • Value for Money
    2.1 (26)
  • Claim ApprovedYes (7) · No (7)
Frank Health Insurance

Frank Health Insurance

4.2 from 501 reviews
Ad
  • Transparency
    3.9 (41)
  • Customer Service
    4.2 (55)
  • Value for Money
    3.9 (57)
  • Claim ApprovedYes (30) · No (3)
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