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Choose your cover.

We understand everybody is unique and by completing the form below you can get a personalised quote to suit the level of cover you need. Click the 'Join Now' button when you are ready and make the switch to Australia's most experienced health fund.

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Who would you like to cover?

Government rebate

We will apply a 'base tier' rebate to the price quoted. If you are not entitled to the 'base tier', choose another rebate tier below. If you don't want to claim the rebate, choose 'no rebate'.

Choose your hospital cover

Important information

On April 1, the Australian government will introduce reforms to the private health insurance industry. These reforms are a positive step forward for consumers, but it does mean that all health funds will need to make changes to their Hospital and Extras products.
Key dates
April 1 – Removal of a small number of natural therapies from our Extras covers - but limits remain the same. There will also be changes to our current prices.
May 1 – Changes to the services covered by some of our Hospital covers.

I don't need hospital cover

Premium Hospital

  • $500
  • $250
  • $0

Smart Hospital

  • $500
  • $250

Step Up Hospital

  • $500
  • $250

First Start Hospital

  • $500
  • $250

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Obstetrics and other pregnancy-related services and IVF
Public only
Treatment of broken bones
Knee or shoulder reconstruction
Joint replacement
ICDs and pacemakers
Public only
Angioplasties and stents
Public only
Coronary artery by-pass surgery
Public only
Heart valve surgery
Public only
Rehabilitation treatment
Public only
Public only
Colonoscopy / Gastroscopy
Spinal surgery
Gall bladder surgery
Bariatric surgery
Public only
Public only
Major eye surgery
Kidney dialysis
Psychiatric treatment
Public only
Public only
Public only

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Choose your extras cover

I don't need extras cover

Premium Extras

Smart Extras

Value Extras


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Major dental
Chiropractic/ Osteopathy
Occupational therapy
Remedial massage
Alternative therapies — see cover guide for full list
Health aids — see cover guide for full list
Hearing aids
Nicotine replacement therapies

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Your quote

  • Weekly
  • Fortnightly
  • Monthly

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  • Select your type of cover
  • Select your location
  • Base tier government rebate
  • Please select your hospital cover
  • Please select your extras cover

You must select at least one Hospital or Extras cover option.

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*Price calculated with 0% LHC loading. Based on your personal circumstances an LHC loading may be applicable.

If the information you provide when you join differs from this, the cost of your cover may change.

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Hospital excess

Lifetime Health Cover loading

The Australian Government Rebate on Private Health Insurance