Seniors health insurance comparison
Could You Get More for Less From Seniors Health Cover?
Complete the 60 second cover check to review hospital, extras or combined cover as your health needs change, with expert help from Health Deal.
- ✓9 participating health funds
- ☎Expert help by phone
- ✓No obligation to switch
Health Deal compares policies from a panel of participating health funds.
Compare suitable options from 9 participating health funds
Health Deal compares policies from participating funds, not every health fund or policy available in Australia.
Health insurance for seniors
Cover that can change with your needs
As you get older, the services you value may change. The right cover depends on your health priorities, budget, preferred hospitals and the benefits you expect to use. Health Deal helps you review suitable options without focusing only on the headline premium.
Start my seniors cover check
Review rising premiums
Consider whether your premium, excess and included benefits still offer a suitable balance. Savings depend on your circumstances and are not guaranteed.
Prioritise useful services
Review hospital categories and extras services that reflect your current needs, including treatment you may value more as you get older.
Get expert help
Speak with a Health Deal specialist who can explain suitable options from participating Australian health funds.
Hospital, extras and combined cover
Choose the type of seniors cover that fits your needs
You can choose hospital cover, extras cover, or both. Each option serves a different purpose, so start with the hospital treatments and everyday health services that are most important to you.
Hospital cover
Hospital insurance can contribute towards treatment as a private patient, subject to inclusions, restrictions, waiting periods and excess.
- Basic, Bronze, Silver or Gold
- Review clinical categories
- Compare excess options
Extras cover
Extras can pay benefits towards selected out of hospital services, with limits and recognised providers varying between policies.
- Dental and optical
- Physiotherapy and chiropractic
- Compare limits and rebates
Hospital and extras
Combined cover brings hospital and extras together. Value depends on balancing the premium with services you expect to use.
- One combined review
- Balance cost and benefits
- Compare suitable panel options
What to compare
Look beyond the monthly premium
- Hospital categories, restrictions and exclusions
- Excesses and any co-payments
- Extras limits, rebates and recognised providers
- Waiting periods when adding or upgrading cover
- Your age, income and Australian Government rebate eligibility
- Whether the policy reflects your current health priorities
The cheapest policy is not automatically the best value. Check that important services are included and that you are not paying for benefits you are unlikely to use.
How Health Deal works
From seniors cover check to comparison call
Tell us what matters
Complete the guided cover check with your current fund, cover preferences and the services important to you.
Speak with Health Deal
A specialist calls to understand your needs and discuss suitable seniors cover options from participating funds.
Review the differences
Compare relevant premiums, benefits, excesses, limits and policy terms before deciding whether to switch.
Seniors health insurance questions
Seniors cover FAQs
What is seniors health insurance?
Seniors health insurance is private hospital cover, extras cover, or a combination selected to suit the needs of older Australians. It is not a separate government category, so inclusions and costs still vary between policies and funds.
Which hospital services should seniors consider?
Your priorities may include services such as cataracts, joint replacements, rehabilitation, cardiac treatment and other clinical categories relevant to your health. Check the exact inclusions, restrictions and exclusions before choosing a policy.
Should I keep extras cover as I get older?
It depends on the services you use and the benefits you receive. Compare your annual extras premium with likely benefits for dental, optical, physiotherapy, hearing and other services, including limits and recognised provider rules.
Does the private health insurance rebate change with age?
The Australian Government private health insurance rebate varies according to income and age group. Your insurer or a Health Deal specialist can help explain how the current rules may apply, but tax advice should be obtained where needed.
How does Lifetime Health Cover loading affect seniors?
Lifetime Health Cover loading can affect hospital premiums based on when you first took out hospital cover and your previous cover history. Ask the fund to confirm any loading that applies to you before changing policies.
Will I serve new waiting periods if I switch?
Waiting periods already served are generally recognised when you switch to an equivalent or lower level of cover. Waiting periods may apply to new or upgraded benefits. Confirm the applicable terms before switching.
Does Health Deal compare every Australian health fund?
No. Health Deal compares suitable policies from a panel of participating health funds, not every policy or health fund available in Australia. Available options depend on your circumstances and panel availability.
Is the Health Deal comparison free?
There is no charge to request a comparison through Health Deal. Health Deal may receive a commission from a participating health fund if you purchase a policy.
Ready to review seniors health cover?
Complete the 60 second cover check or call Health Deal on 1300 369 399.