In Australia, Medicare provides comprehensive health care coverage for citizens and most permanent residents. Medicare coverage is not without its limitations however. To provide your family adequate and flexible health care coverage, a private health cover is recommended.

Choosing the right private health cover for your family should not be hard. Useful information is always readily available online for your examination. The real challenge is how to make sense of this information to find the perfect private health cover that suits your family’s needs.

This article discusses the things you should consider before committing your family to a private health insurance policy.

60 Day Money Back Guarantee*

We pride ourselves on providing great value health cover. That’s why all our products are backed by a 60 day money back guarantee. If for any reason your circumstances change and you have not claimed, we will fully refund your membership. *For new members

Premium Family Package

Our most comprehensive health cover package. Includes pregnancy option, single room guarantee and 75% back on a wide range of extras with generous annual limits.
$ 97.65
per week
Select

Gold Hospital & Gold Extras Set Benefits

Very comprehensive. Access many services. Flexibility to remove pregnancy. Includes general and major dental.
$ 97.90
per week
Select

Everyday Family Package

A high level health cover with a pregnancy option. Get 65% back on a range of extras including dental, optical and chiro.
$ 81.05
per week
Select
  • Our most comprehensive package
  • Shared / single room in a private hospital
  • Knee and shoulder reconstruction
  • 100% back on optical
  • 100% back on preventative dental
  • Orthodontics benefits which increase over time
  • No hospital excess for kids
  • Our most comprehensive hospital cover
  • Shared / single room in a private hospital
  • Knee and shoulder reconstruction
  • Our most comprehensive extras cover
  • Dental (preventative, general and major)
  • Claim more than Silver
  • Shared / single room in a private hospital
  • Knee and shoulder reconstruction
  • Gynaecological procedures
  • 100% back on optical
  • 100% back on preventative dental
  • No hospital excess for kids

Premium Family Package

Our most comprehensive health cover package. Includes pregnancy option, single room guarantee and 75% back on a wide range of extras with generous annual limits.
$ 97.65
per week
Select
  • Our most comprehensive package
  • Shared / single room in a private hospital
  • Knee and shoulder reconstruction
  • 100% back on optical
  • 100% back on preventative dental
  • Orthodontics benefits which increase over time
  • No hospital excess for kids

Gold Hospital & Gold Extras Set Benefits

Very comprehensive. Access many services. Flexibility to remove pregnancy. Includes general and major dental.
$ 97.90
per week
Select
  • Our most comprehensive hospital cover
  • Shared / single room in a private hospital
  • Knee and shoulder reconstruction
  • Our most comprehensive extras cover
  • Dental (preventative, general and major)
  • Claim more than Silver

Everyday Family Package

A high level health cover with a pregnancy option. Get 65% back on a range of extras including dental, optical and chiro.
$ 81.05
per week
Select
  • Shared / single room in a private hospital
  • Knee and shoulder reconstruction
  • Gynaecological procedures
  • 100% back on optical
  • 100% back on preventative dental
  • No hospital excess for kids

* The price shown is per week and applies to a Family living in VIC with a $500 excess. It excludes LHC loading and includes a Base Tier Government Rebate

What you need to remember is to tailor insurance policy components to fit your family’s needs. Different families have different health care needs. Your health insurance coverage should therefore match these specific needs. What is your family like and what are your plans for your family? The answer will help you decide which insurance components would be useful for you.

Couples who are planning to have children would need pregnancy coverage well in advance to cover the waiting period imposed by insurance funds. Couples who do not have children or have no plans to have children will have no use for such coverage in their health insurance policies.

Some health insurance components like dental coverage might be important for young families. Children often need dental services like braces. Other components like hip replacement surgery coverage might not be significant for young couples who are only in their twenties. Families who are into sports might need more components in their private health insurance policies than families who mostly remain at home.

The best private health coverage for you also depends on the nature of your dependants. Find out from insurance funds what their rules on dependant coverage are before committing to one.

Your doctor could also greatly help you in choosing the best private health insurance policy. Knowing your family history of health risks and illnesses would help you adjust your insurance components to fit your family’s needs.

Call your preferred hospital to inquire about their agreements with private health insurance funds. Check which funds provide coverage for the services that you might need from your hospital of choice. Know the restrictions of each health insurance policy to find out which works best for you. Some funds for example limit you to being treated as a private patient in a public hospital.