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A guide to private health insurance

Updated March 20, 2023
Written by Sarah Reid
Reviewed by Josh Smith
Expert reviewed by Sarah Reid

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Don't pay too much

Top tips from our experts

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Josh Smith
Lead Writer
Buy for your current needs

When selecting your coverage, make sure you’re across the waiting periods and don’t pay for things you don’t need right now. In Hospital cover, most waiting periods are only 2 months, excluding pregnancy and birth and pre-existing conditions.

So for example, if you’re not looking to have a family for several years, getting coverage for pregnancy may raise your premium, although the waiting period is only 12 months.

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Sarah Reid
Expert person

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Contrary to popular belief, Lorem Ipsum is not simply random text. It has roots in a piece of classical Latin literature from 45 BC, making it over 2000 years old.

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Contrary to popular belief, Lorem Ipsum is not simply random text. It has roots in a piece of classical Latin literature from 45 BC, making it over 2000 years old.
Sarah Reid
Expert person

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Dr Ginni Mansberg explains the benefits of having private health insurance

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Josh Smith
Lead Writer
 

Top 5 things to know about health insurance

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1
Save tax if you earn over $90k
Avoid the Medicare Levy Surcharge (MLS) if you take Private Hospital insurance.
Learn More
2
From age 30, you’ll pay more
The longer you leave it to take Private Hospital insurance, the higher premium you’ll pay.
Learn More
3
Choose from two types
There are two types of Health Insurance, Private Hospital insurance and Extras cover. Choose one, or both.
4
Avoid waiting lists
With Private Hospital insurance, plus choose your own hospital and doctors.


Learn More
5
Extras cover
Pays towards out-of-hospital medical care such as dental, physio and optical. 


Top 5 things slider to know about health insurance

We need some copy here the heading doesn’t work as well on it’s own

1
Save tax if you earn over $90k
Avoid the Medicare Levy Surcharge (MLS) if you take Private Hospital insurance.
Learn More
2
From age 30, you’ll pay more
The longer you leave it to take Private Hospital insurance, the higher premium you’ll pay.
Learn More
3
Choose from two types
There are two types of Health Insurance, Private Hospital insurance and Extras cover. Choose one, or both.
4
Avoid waiting lists
With Private Hospital insurance, plus choose your own hospital and doctors.


Learn More
5
Extras cover
Pays towards out-of-hospital medical care such as dental, physio and optical. 


Top 5 things slider to know about health insurance

We need some copy here the heading doesn’t work as well on it’s own

Save tax if you earn over $90k
Avoid the Medicare Levy Surcharge (MLS) if you take Private Hospital insurance.
Text
From age 30, you’ll pay more
The longer you leave it to take Private Hospital insurance, the higher premium you’ll pay.
Text
Choose from two types
There are two types of Health Insurance, Private Hospital insurance and Extras cover. Choose one, or both.
Text

Top 5 things slider to know about health insurance

We need some copy here the heading doesn’t work as well on it’s own

1
Save tax if you earn over $90k
Avoid the Medicare Levy Surcharge (MLS) if you take Private Hospital insurance.
Text
2
From age 30, you’ll pay more
The longer you leave it to take Private Hospital insurance, the higher premium you’ll pay.
Text
3
Choose from two types
There are two types of Health Insurance, Private Hospital insurance and Extras cover. Choose one, or both.
Text

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Get started by answering a few quick questions to help us understand your needs.

It pays to compare

Compare quotes in minutes and start saving today.

 

Simple to use

Get started by answering a few quick questions to help us understand your needs.

It pays to compare

Compare quotes in minutes and start saving today.

 

Simple to use

Get started by answering a few quick questions to help us understand your needs.

It pays to compare

Compare quotes in minutes and start saving today.

 

Simple to use

Get started by answering a few quick questions to help us understand your needs.

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