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Health Insurance

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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41 listings

Frank Health Insurance

Frank Health Insurance

4.2 from 503 reviews
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  • Transparency
    3.8 (43)
  • Customer Service
    4.2 (57)
  • Value for Money
    3.8 (59)
  • Claim ApprovedYes (31) · No (3)
CUA Health
  • Award Winner 2020
  • 2019

CUA Health

4.5 from 612 reviews

Latest review: I rang to find out information about an upcoming hospital visit, the staff went beyond the norm to assist me and make it possible. I can't speak highly enough of the staff and also the policies that

  • Transparency
    4.4 (113)
  • Customer Service
    4.6 (153)
  • Value for Money
    4.3 (142)
  • Claim ApprovedYes (44) · No (3)
HCF Health Insurance

HCF Health Insurance

3.2 from 490 reviews

Latest review: Has been almost 5 months now and still waiting for a refund. Have spent many hours on hold every month and they say " so sorry should have been paid ages ago and it has been escalated to management"

  • Transparency
    2.6 (88)
  • Customer Service
    2.9 (114)
  • Value for Money
    2.9 (110)
  • Claim ApprovedYes (41) · No (28)
Westfund Health Insurance
  • Award Winner 2021
  • 2020

Westfund Health Insurance

4.6 from 251 reviews

Latest review: My phone call with a query about joining was answered promptly. Daniel was so helpful and friendly. He went out of his way to help me get the best deal. Very happy.

  • Transparency
    4.6 (74)
  • Customer Service
    4.6 (88)
  • Value for Money
    4.6 (86)
  • Claim ApprovedYes (59) · No (4)
Frank Health Insurance

Frank Health Insurance

4.2 from 503 reviews

Latest review: My policy is great value. I could actually claim more than what l thought. Having Basic cover l was only looking at the hospital stay. Lodged the claim over the phone and everything was simple. Was

  • Transparency
    3.8 (43)
  • Customer Service
    4.2 (57)
  • Value for Money
    3.8 (59)
  • Claim ApprovedYes (31) · No (3)
Bupa Health Insurance

Bupa Health Insurance

1.5 from 746 reviews

Latest review: Dont sign up and avoid at all costs. Very deceiving company. Quick to sign you up and deduct money every month. Comes to claims and they throw all T&C at your face and reject!!!! I would give zero

  • Transparency
    1.6 (161)
  • Customer Service
    1.8 (193)
  • Value for Money
    1.7 (184)
  • Claim ApprovedYes (44) · No (39)
AHM (Australian Health Management)

AHM (Australian Health Management)

2.1 from 250 reviews

Latest review: Awful service. I tried to make my first claim at a physiotherapist, unfortunately my AHM card kept coming back as ‘expired’ which of course it wasn’t, I’d only been with AHM for 3 months. I then pai

  • Transparency
    2.4 (39)
  • Customer Service
    2.5 (42)
  • Value for Money
    2.2 (42)
  • Claim ApprovedYes (15) · No (9)
Medibank Health Insurance

Medibank Health Insurance

1.5 from 754 reviews

Latest review: I’m not a member, I was interested in becoming a member, but I’m glad I didn’t! I requested a callback a week ago, because I am interested in changing providers (changing to Medibank). I was inter

  • Transparency
    1.5 (82)
  • Customer Service
    1.7 (102)
  • Value for Money
    1.5 (101)
  • Claim ApprovedYes (13) · No (20)
NIB Health Insurance

NIB Health Insurance

2.4 from 522 reviews

Latest review: 4 years of paying top cover for my children, required 1 specialist appointment and it was declined. Because, NiB appears to have a clause for everything to ensure they dont actually have to pay

  • Transparency
    1.7 (79)
  • Customer Service
    1.9 (96)
  • Value for Money
    1.6 (97)
  • Claim ApprovedYes (23) · No (26)
HBF Health Insurance

HBF Health Insurance

1.7 from 201 reviews

Latest review: Like many of the reviews here I too felt mislead, I agreed to an upsale on a policy as it was implied I would get better value for money. Turns out this wasn't the case. Just glad I never had to

  • Transparency
    1.4 (21)
  • Customer Service
    1.7 (32)
  • Value for Money
    1.5 (31)
  • Claim ApprovedYes (2) · No (8)
Phoenix Health Fund
  • Award Winner 2021

Phoenix Health Fund

4.5 from 61 reviews

Latest review: The lady over the phone was quite rude and just wanted to keep blaming me for something that was not my fault. So I didn't bother ringing up again

  • Transparency
    4.8 (33)
  • Customer Service
    4.8 (35)
  • Value for Money
    4.6 (33)
  • Claim ApprovedYes (14) · No (0)
Allianz Global Assistance

Allianz Global Assistance · includes 2 listings

4.2 from 1,558 reviews

Latest review: She was so patient with me and so helpful, she spent nearly an hour with me just explaining stuff for me , it definitely helps me a lot !I'm grateful and thank

  • Transparency
    4.0 (277)
  • Customer Service
    4.2 (365)
  • Value for Money
    3.9 (340)
  • Claim ApprovedYes (129) · No (35)
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)
Australian Unity Health Insurance

Australian Unity Health Insurance

1.7 from 213 reviews

Latest review: So like many I'v been affected by COVID having to take a cut in pay to ensure everyone in our company has a job. This being said I'v had to put on hold my policy over the past six months. Today I

  • Transparency
    1.3 (38)
  • Customer Service
    1.3 (44)
  • Value for Money
    1.4 (47)
  • Claim ApprovedYes (7) · No (13)
Teachers Health Fund

Teachers Health Fund

2.2 from 86 reviews

Latest review: I am part of the Uni health insurance which is owned by Teacher's health. I would say the prices and claims for hospitals and extras are straight forward and have been paid immediately. No hassle at

  • Transparency
    2.5 (20)
  • Customer Service
    2.1 (29)
  • Value for Money
    2.8 (26)
  • Claim ApprovedYes (12) · No (9)
Qantas Assure Health Insurance

Qantas Assure Health Insurance

2.3 from 52 reviews

Latest review: After I signed up with this fake insurance and provided my credit card details they stole 411000 points of my account. they took what they can get. Just a criminal organisation and Qantas just looks

  • Transparency
    2.0 (21)
  • Customer Service
    2.4 (27)
  • Value for Money
    2.0 (27)
  • Claim ApprovedYes (7) · No (7)
HIF (Health Insurance Fund)

HIF (Health Insurance Fund)

3.0 from 122 reviews

Latest review: My wife was admitted for emergency back surgery. Very stressful situation. I spoke to HIF literally 30min before she was admitted and they were very helpful with the process etc HIF were there when

  • Transparency
    2.6 (19)
  • Customer Service
    2.9 (23)
  • Value for Money
    2.8 (24)
  • Claim ApprovedYes (12) · No (2)
No Gaps Dental

No Gaps Dental

3.6 from 44 reviews

Latest review: Dr. Sujata was super professional and amazing in her services. Thank you so much The services provide were of good value. I would really recommend her for cleaning and scaling. Kind

  • Transparency
    3.7 (14)
  • Customer Service
    4.1 (15)
  • Value for Money
    3.9 (15)
  • Claim ApprovedYes (4) · No (0)
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)
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)
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,

Frank Health Insurance

Frank Health Insurance

4.2 from 503 reviews
Ad
  • Transparency
    3.8 (43)
  • Customer Service
    4.2 (57)
  • Value for Money
    3.8 (59)
  • Claim ApprovedYes (31) · No (3)
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