Using information available from the Private Health Insurance Ombudsman’s website (www.privatehealth.gov.au), Smart Investor compared health covers from all public and restricted membership health funds, looking for those best suited for young single people, families and older couples.

All covers were ranked on the basis of a number of criteria aimed at identifying those that offered the highest level of benefits with the fewest restrictions and lowest possible out-of-pocket costs – all at the best value prices.

Our Private Hospital + Extras Cover and Fit + Healthy Cover have made the grade for the third year running, being named among the best-value combined hospital and extras covers on the market.