Do I need private health insurance?

Average customer rating: 4.3/5
Written by Joshua Malin
Reviewed by Steven Spicer
Updated 26 June 2024

What are the advantages of private health insurance?

  • Avoid public hospital waiting times as a private patient
  • Stay in your own private hospital room where available
  • Choose your doctor or surgeon if they’re available
  • Get cover for dentalphysiotherapy and chiropractic treatments, speech and eye therapy and more with extras
  • Save money by avoiding the Medicare Levy Surcharge depending on your circumstances.

Private health insurance cover explained

There are two main types of private health insurance, as well as ambulance cover. You can take these out individually or all together on a combined cover policy.

Hospital cover

Extras cover

Ambulance cover


What health services does Medicare cover

Do I need health insurance if I have Medicare?

Choosing the right health insurance

Why do I need private health insurance?

What health insurance do I need for tax?

Is private health insurance affordable?

Waiting periods

Out-of-pocket expenses

Meet our health insurance expert, Steven Spicer

Steven Spicer
Executive General Manager – Health, Life & Energy

As the Executive General Manager of Health, Life and Energy, Steven Spicer is a strong believer in the benefits of private cover and knows just how valuable the peace of mind that comes with cover can be. He is passionate about demystifying the health insurance industry and advocates for the benefits of comparison when it comes to saving money on your premiums. What is covered by Medicare? Accessed June 2024.