Get the most accurate quote
The premium shown here is without the Medicare rebate. Depending on your level of income, you may be eligible for a rebate.
Rebate Questions
Hospital Cover
Excess Per Admission
Excess Per Person (per year)
Excess Per Policy (per year)
Excess Waiver
Co-payment
Accommodation
Ambulance
Waiting Period
?
Waiting Period
Benefit Limitation Period
?
Waiting Period
Benefit Limitation Period
?
Waiting Period
Benefit Limitation Period
?
Waiting Period
Benefit Limitation Period
?
Waiting Period
Benefit Limitation Period
?
Waiting Period
Benefit Limitation Period
?
Waiting Period
Benefit Limitation Period
?
Waiting Period
Benefit Limitation Period
?
Waiting Period
Benefit Limitation Period
?
Waiting Period
Benefit Limitation Period
?
Waiting Period
Benefit Limitation Period
?
Waiting Period
Benefit Limitation Period
?
Waiting Period
Benefit Limitation Period
?
Waiting Period
Benefit Limitation Period
Pre Existing Waiting Period
Gap Cover
Other Restrictions
None
Restricted
2 months
None
Restricted
2 months
None
Restricted
12 months
None
Restricted
2 months
None
Restricted
2 months
None
Covered
2 months
None
Covered
2 months
None
Restricted
2 months
None
Restricted
2 months
None
Restricted
2 months
None
Covered
2 months
None
Covered
2 months
None
Restricted
2 months
None
Restricted
2 months
None
Extras Cover
?
Waiting Period
Combined limit with:
Per Person
Per Service
Per Policy
Sub Limits?
Annual Limit?
Lifetime Limit
Service Limit
Periodic oral examination
Scale & clean
Fluoride treatment
Surgical tooth extraction
?
Waiting Period
Combined limit with:
Per Person
Per Service
Per Policy
Sub Limits?
Annual Limit?
Lifetime Limit
Service Limit
Surgical tooth extraction
Full crown veneered
?
Waiting Period
Combined limit with:
Per Person
Per Service
Per Policy
Sub Limits?
Annual Limit?
Lifetime Limit
Service Limit
Filling of one root canal
?
Waiting Period
Combined limit with:
Per Person
Per Service
Per Policy
Sub Limits?
Annual Limit?
Lifetime Limit
Service Limit
Braces for upper & lower teeth, including removal plus fitting of retainer
?
Waiting Period
Combined limit with:
Per Person
Per Service
Per Policy
Sub Limits?
Annual Limit?
Lifetime Limit
Service Limit
Per eligible prescription
?
Waiting Period
Combined limit with:
Per Person
Per Service
Per Policy
Sub Limits?
Annual Limit?
Lifetime Limit
Service Limit
Initial visit
Subsequent visit
?
Waiting Period
Combined limit with:
Per Person
Per Service
Per Policy
Sub Limits?
Annual Limit?
Lifetime Limit
Service Limit
Initial visit
Subsequent visit
?
Waiting Period
Combined limit with:
Per Person
Per Service
Per Policy
Sub Limits?
Annual Limit?
Lifetime Limit
Service Limit
Initial visit
Subsequent visit
?
Waiting Period
Combined limit with:
Per Person
Per Service
Per Policy
Sub Limits?
Annual Limit?
Lifetime Limit
Service Limit
Initial visit
Subsequent visit
?
Waiting Period
Combined limit with:
Per Person
Per Service
Per Policy
Sub Limits?
Annual Limit?
Lifetime Limit
Service Limit
Initial visit
Subsequent visit
?
Waiting Period
Combined limit with:
Per Person
Per Service
Per Policy
Sub Limits?
Annual Limit?
Lifetime Limit
Service Limit
Initial visit
Subsequent visit
?
Waiting Period
Combined limit with:
Per Person
Per Service
Per Policy
Sub Limits?
Annual Limit?
Lifetime Limit
Service Limit
Initial visit
Subsequent visit
?
Waiting Period
Combined limit with:
Per Person
Per Service
Per Policy
Sub Limits?
Annual Limit?
Lifetime Limit
Service Limit
Per hearing aid
?
Waiting Period
Combined limit with:
Per Person
Per Service
Per Policy
Sub Limits?
Annual Limit?
Lifetime Limit
Service Limit
Per monitor
?
Waiting Period
Combined limit with:
Per Person
Per Service
Per Policy
Sub Limits?
Annual Limit?
Lifetime Limit
Service Limit
Single vision lenses & frames
Multi-focal lenses & frames
Ambulance
General Dental
Major Dental
Endodontic (tooth extraction)
Orthodontic (braces)
Pharmaceuticals not covered by Medicare
Physiotherapy
Chiropractic
Podiatry
Psychology
Acupuncture
Natural Therapies (eg. Naturopathy, Homeopathy, Chinese Medicine)
Massage
Hearing Aids
Glucose Monitor
Optical
Bronze Plan
Coverage for Family with Hospital & Extras
Children over 21
Not all family policies cover your children if they're over 21. If your children are over 21 or for help finding the right policy for you and your family call us on 1300 867 283.
Hospital Cover Details
Excess waived for dependent children under the age of 21. Only 50% of the per person excess applies per admission where treatment is provided in a public hospital or as a day patient in a private hospital or day surgery facility. Includes national coverage for ambulance.
Accommodation
- Covers Accommodation as a private patient in a private or public hospital.
Extras Cover Details
Health Management Program benefits apply for approved programs such as stress management, quit smoking and weight management programs. Please contact the fund for details.
View the Standard Information Statement
Waiting Periods
Waiting periods may apply for services covered by this policy. Check the comparison table for each service's specific waiting period - just click on a covered service to see more.
If you have a pre-existing medical condition, and are taking out private health hospital insurance for the first time, a waiting period of 12 months will apply before you are entitled to claim for that benefit if you are admitted to hospital due to that condition. Once you have served this waiting period with one fund, you will not have to serve it again if you switch health funds. Read more about pre-existing condition waiting periods in our FAQ
Any waiting periods you have already served with your previous fund will be recognised in full so you can start getting the most out of your new health insurance straight away. Waiting periods may apply for services not covered with your previous fund.
To apply you'll need
- The details of everyone who will be covered by this policy
- Your Medicare number
- Your payment details (bank account or credit card)
- Details of your current health insurance, if you are transferring from another fund
What happens after you apply
We send your application straight to your health fund using a secure encryption interface. All funds offer a 30 days cooling off period in case you change your mind. At the end of the cooling off period, we get paid and will be in touch to pay your cash back!
Your new health fund will be in touch with your new membership information. If you are switching providers your new health fund will contact your old health fund to manage the transition for you.
What is the cashback bonus?
We get paid when you join this fund:
- we split anything we make with you 50/50
- the cashback bonus is your share
No catches:
- One off payment
- Government rebate doesn't change
- No hidden fees
- No price hikes
- No lock in contracts
Unlike the other sites we let you compare all policies. Only available at BetterBills!