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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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40 listings

Frank Health Insurance

Frank Health Insurance

4.2 from 501 reviews
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CUA Health
  • Award Winner 2020
  • 2019

CUA Health

4.5 from 592 reviews

Latest review: I have had CUA Health for nearly 5 years & have always been happy with it & the benefits it provides. I also love the wide range of choices of cover & how quick & easy the app is to use. CUA Health

  • Transparency
    4.5 (96)
  • Customer Service
    4.6 (133)
  • Value for Money
    4.3 (124)
  • Claim ApprovedYes (39) · 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 239 reviews

Latest review: We have been with the fund for years & to memory it was easy to set up when we lodge a claim it was paid within 1 to 3 weeks staff are always very helpful we have recommended them to everyone that

  • Transparency
    4.5 (63)
  • Customer Service
    4.6 (76)
  • Value for Money
    4.6 (74)
  • Claim ApprovedYes (52) · No (4)
Bupa Health Insurance

Bupa Health Insurance

1.5 from 724 reviews

Latest review: Too expensive each month - and another rise in two weeks. The way BUPA frames its policies is like Foxtel- you need to be covered a little bit from each one, so you end up having to take the priciest

  • Transparency
    1.6 (140)
  • Customer Service
    1.8 (171)
  • Value for Money
    1.7 (163)
  • Claim ApprovedYes (41) · No (35)
HCF Health Insurance

HCF Health Insurance

3.3 from 468 reviews

Latest review: Fraud!! Too many issues with this company. Staff don't understand their own policy and product. I joined after my 31 and before the following July, which LHC loading should not be applied. They

  • Transparency
    2.8 (68)
  • Customer Service
    3.2 (94)
  • Value for Money
    3.1 (91)
  • Claim ApprovedYes (38) · No (17)
AHM (Australian Health Management)

AHM (Australian Health Management)

2.1 from 239 reviews

Latest review: Horrible service and they find a lot of excuses to not honour claims during emergency procedures leaving you in a very vulnerable situation on their International Travel Insurance. No, the policy is

  • Transparency
    2.6 (31)
  • Customer Service
    2.5 (34)
  • Value for Money
    2.3 (35)
  • Claim ApprovedYes (12) · No (7)
Medibank Health Insurance

Medibank Health Insurance

1.5 from 744 reviews

Latest review: Unable to provide a good service for people that have been with the company for many years. Their websites don’t work properly and they didn’t give me what I actually needed and I didn’t realise as I

  • 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 513 reviews

Latest review: Hi everyone,i read all comments but i am not agree with all ,That is my personal experience,I was in life threatening condition ,Nib saved me ,they are still saving me ,life concern is too big for

  • Transparency
    1.7 (70)
  • Customer Service
    1.9 (87)
  • Value for Money
    1.6 (88)
  • Claim ApprovedYes (21) · No (22)
Allianz Global Assistance

Allianz Global Assistance · includes 2 listings

4.2 from 1,540 reviews

Latest review: Dissatisfied with their mail correspondence. Not good value for maney. Fairly easy to setup. Also, their service is not widely accepted compared to other OSHC providers. They were ok with the

  • Transparency
    4.0 (264)
  • Customer Service
    4.2 (351)
  • Value for Money
    3.9 (328)
  • Claim ApprovedYes (122) · No (34)
HBF Health Insurance

HBF Health Insurance

1.7 from 197 reviews

Latest review: Upgraded to Gold Hospital cover last October 2019. Now I have served 10 months of the 12 months waiting period. Due to health issues, unable to wait till 12 months, so had the procedure done. I have

  • 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 47 reviews

Latest review: I was happy with the price & the commitment to help me that the Michelle gave me. It is still early days & have not needed to claim as yet, but if the special treatment that I received continues I

  • Transparency
    4.7 (23)
  • Customer Service
    4.9 (25)
  • Value for Money
    4.7 (23)
  • Claim ApprovedYes (11) · No (0)
Australian Unity Health Insurance

Australian Unity Health Insurance

1.7 from 205 reviews

Latest review: I was phoned by Australian Unity to update my bank details. Completed this and then got a email saying they had cancelled my insurance. No request and no notice! Next minute I just get an email

  • 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 119 reviews

Latest review: Had a bad experience with hif. I took a policy but i cancelled before start a date but they debited from account. I requested them for refund they denied to

  • Transparency
    2.8 (16)
  • Customer Service
    3.0 (20)
  • Value for Money
    2.9 (21)
  • Claim ApprovedYes (11) · 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)
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)
No Gaps Dental

No Gaps Dental

3.6 from 42 reviews

Latest review: I was given a quote for 3 fillings. 2 of the item numbers showed and benefit and the third item number did not. No Gaps Chatswood tried to charge me $278 out of pocket because on the quote the did an

  • Transparency
    3.5 (12)
  • Customer Service
    3.9 (13)
  • Value for Money
    3.8 (13)
  • Claim ApprovedYes (4) · No (0)
Frank Health Insurance

Frank Health Insurance

4.2 from 501 reviews
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