Australian Health Directory


Health insurance


Australians enjoy universal public health insurance, Medicare, financed through progressive personal income tax and an income-related levy. They also have the option to take out privately funded health insurance to cover the costs of becoming a private patient in a private or public hospital, medical costs in hospital, and costs associated with services not covered under Medicare (such as ambulance, natural therapies and private dental care).

Health insurance funds offer hospital covers and ancillary covers and a combination of these.

Private health insurance is provided through organisations registered under the Private Health Insurance Act 2007. There are two types of private health funds: restricted membership organisations (such as employees of a particular firm or industry) and funds open to the general public.

Private health insurance funds are registered with and monitored by the Private Health Insurance Administration Council , a statutory authority. Most private health insurance providers adhere to the Private Health Insurance Code of Conduct, a voluntary, self-regulatory industry code.

The Private Health Insurance Ombudsman deals with inquiries and complaints about any aspect of private health insurance. The Private Health Insurance Ombudsman (PHIO) is an Australian Government agency but acts independently in dealing with complaints and is independent of the private health funds and health service providers.

Australians under 65 years of age, eligible for full Medicare benefits, enjoy the Federal Government's 30% rebate on private health insurance premiums. The rebate is 35% for people aged between 65 and 69 and 40% for those aged 70 and over.

Australians who took out hospital cover before 1 July 2000 and maintain it, only pay a base rate regardless of their age, pursuant to the Federal Government's Lifetime Health Cover initiative. We recommend perusal of a website developed by the Department of Health and Ageing and maintained by PHIO, for information and comparison of policies.

Private health insurance organisations are regulated by the Federal Government to ensure affordable access to private health insurance for all through the principle of community rating. Pursuant to this principle, the insurance premium is the same regardless of the health status or claims history of a member or new member. Reinsurance supports the principle of community rating by sharing between health insurers the hospital and medical costs of high risk members admitted to hospital. Funds with a greater proportion of low risk members contribute into a reinsurance pool and those with a greater proportion of high risk members receive transfers from it.



23 listings - Page 1 of 3
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CBHS Health Fund Limited

CBHS Health Fund Limited

Parramatta, NSW 2150

CBHS is a not-for-profit, private health insurer, catering exclusively for current and former employees of the Commonwealth Bank Group, as well as their eligible family members.
Queensland Country Health Fund Ltd

Queensland Country Health Fund Ltd

Aitkenvale, QLD 4814

Service centres in Townsville, Mount Isa, Burdekin, Mackay and Gladstone.

Publisher of the Living Healthy magazine.
 

Private Healthcare Australia

Deakin, ACT 2600

Private Healthcare Australia represents health funds from the Australian private health insurance industry. Its main objective is to advance the interests of its members and their contributors in their dealings with governments, the media and other organisations in health care.
 

Private Health Insurance Ombudsman

Canberra, ACT 2601

The Private Health Insurance Ombudsman deals with inquiries and complaints about any aspect of private health insurance.

The organisation provides independent health insurance comparison on its website.
 

The Private Health Insurance Code of Conduct - consumer information brochure

Australian Health Insurance Association

The Private Health Insurance Code of Conduct brochure was produced for consumers to generate awareness and advise them of the benefits of the Code.
The code was developed by the Australian Health Insurance Association (AHIA) and the Health Insurance Restricted Membership Association of Australia (HIRMAA).
nib health funds

nib health funds

Newcastle, NSW 2300

Please visit the website for your nearest branch office or call 13 16 42.
Health Partners

Health Partners

More than just a health fund
Call 1300 113 113

Adelaide, SA 5000

Health Partners specialise in hospital cover, private health insurance and extras cover. After 70 years in the business, we have become the largest South Australian based health fund, with membership now totaling over 33,000 - covering more than 70,000 people.
Peoplecare

Peoplecare

Health cover full of MWAH!
Private Health Insurance

Wollongong, NSW 2500

At Peoplecare, we genuinely love people. And that means giving you more of the things you love and less of the things you don't. So if you're looking for cover, or need a hand with anything to do with your health cover, just give us a buzz.
Cigna Global

Cigna Global

International Health Insurance
Expatriate Medical Plan

Greenock, Scotland, G2 5SG

Across Australia and other countries around the world, Cigna Global is a provider of international medical insurance to over 700,000 expatriates and travellers with different health needs.

Visit the Cigna Global website to find out more about the health cover and peace of mind that this class leading insurance brand can bring to your life.
Frank Health Insurance

Frank Health Insurance

GEELONG, VIC 3220

Covers that are simple and low cost. Make claims online and get health insurance you can understand.

Frank is here to make health insurance clear and simple, powered by GMHBA so you know you're healthcare is safe with Frank.

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