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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

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)
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)
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)
Bupa Health Insurance

Bupa Health Insurance

1.5 from 730 reviews

Latest review: Bupa is an “insurance company”. In 2020 this means they will use every trick in the book to have that money only flowing one way....after all Bupa needs this massive amount of money to fund their mul

  • Transparency
    1.6 (146)
  • Customer Service
    1.8 (177)
  • Value for Money
    1.7 (169)
  • Claim ApprovedYes (43) · No (36)
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)
AHM (Australian Health Management)

AHM (Australian Health Management)

2.1 from 242 reviews

Latest review: Don't contact you when you've become unfinancial because of the rebate form they neglect to tell you to fill in. Long phone waits when contacting them often with run

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

Medibank Health Insurance

1.5 from 745 reviews

Latest review: Better check on your payments each month if you have direct debit with Medibank. Just found out that Medibank took 3 months worth of payments from my bank account. Lucky I checked. Had to change my

  • Transparency
    1.5 (76)
  • Customer Service
    1.7 (96)
  • Value for Money
    1.5 (95)
  • Claim ApprovedYes (11) · No (20)
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)
Allianz Global Assistance

Allianz Global Assistance · includes 2 listings

4.2 from 1,542 reviews

Latest review: I have been a policy holder with Allianz Global Assistance for over 6 years. The customer service personnel have been very efficient and provided me with relevant information. The claim process was

  • Transparency
    4.1 (266)
  • Customer Service
    4.2 (353)
  • Value for Money
    4.0 (330)
  • Claim ApprovedYes (124) · No (34)
HBF Health Insurance

HBF Health Insurance

1.7 from 198 reviews

Latest review: I Pay 66 fortnight and they only cover inpatient. Went for broken foot and later for blood test to GP and noting was cover because it outpatient. I don't care how they to their policy but I need

  • Transparency
    1.5 (19)
  • Customer Service
    1.7 (30)
  • Value for Money
    1.5 (29)
  • Claim ApprovedYes (2) · No (7)
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)
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 49 reviews

Latest review: I have recently moved from one of the big insurers and I am so impressed with the personal service and responsiveness. Michelle was so easy to deal with over the phone and made the change across to

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

Australian Unity Health Insurance

1.7 from 206 reviews

Latest review: I have been with Australian unity for 15 years, when covid hit, my pay was decreased to 60% and the only way I could afford to pay our rent without putting it on hold, was to stop my health

  • Transparency
    1.3 (34)
  • Customer Service
    1.4 (40)
  • Value for Money
    1.4 (43)
  • Claim ApprovedYes (7) · No (13)
CBHS Health Fund

CBHS Health Fund

1.5 from 17 reviews

Latest review: This was my 3rd year/ company for student visa insurance. Agent recommended that it is new and a bit cheaper than other. To become a member is easy because they want your money but after that all the

  • Transparency
    1.0 (8)
  • Customer Service
    1.1 (10)
  • Value for Money
    1.2 (9)
  • Claim ApprovedYes (1) · No (2)
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)
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)
icare

icare

1.1 from 44 reviews

Latest review: iCare service is terrible. They emailed me on 17 June to say they were sending a refund cheque; that cheque has not arrived and my query emails have been

  • Transparency
    1.1 (16)
  • Customer Service
    1.2 (22)
  • Value for Money
    1.4 (20)
  • Claim ApprovedYes (3) · No (3)
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)
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