Family health insurance comparison
Could Your Family Get More for Less From Health Cover?
Complete the 60 second cover check to review hospital, extras or combined cover for your household, 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 families
Cover designed around your household
Every family is different. The right cover depends on the adults and children included, your budget, preferred hospitals and the services your household is likely to use. Health Deal helps you review suitable options without focusing only on the headline premium.
Start my family cover check
Review the family premium
Consider whether your premium, excess and included benefits still offer a suitable balance. Savings depend on your circumstances and are not guaranteed.
Choose benefits your family may use
Focus on hospital categories and extras services that reflect the needs of the adults and children covered by the policy.
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 family cover that fits your needs
Your family can hold hospital cover, extras cover, or both. Each option serves a different purpose, so start with the protection and everyday health services that matter to your household.
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 family income and Australian Government rebate eligibility
- Rules and age limits for children and adult dependants
The cheapest family policy is not automatically the best value. Check that important services are included and that the policy structure suits every person you need to cover.
How Health Deal works
From family 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 family cover options from participating funds.
Review the differences
Compare relevant premiums, benefits, excesses, limits and policy terms before deciding whether to switch.
Family health insurance questions
Family cover FAQs
What is family health insurance?
Family health insurance is a policy that can cover two adults and eligible children or other dependants. It may include hospital cover, extras cover, or both, depending on the policy selected.
What is the difference between family and single parent cover?
Family cover commonly includes two adults and eligible dependants, while single parent cover generally includes one adult and eligible dependants. Definitions, dependant rules and pricing can vary between funds.
Can I add a newborn to my family policy?
Funds have rules and timeframes for adding a newborn. Contact your insurer as early as possible so the baby can be added correctly and you can understand any conditions or waiting period implications.
What should we consider if planning a baby?
Pregnancy and birth hospital services can have a waiting period. Check that your chosen hospital policy includes the relevant clinical category and confirm the waiting period well before you expect to need the cover.
How long can children remain on family cover?
Age limits and eligibility for adult dependants vary between health funds and may depend on whether the dependant is studying, working, married or otherwise eligible under the fund's rules. Confirm the current rules with the insurer.
Does a family need both hospital and extras cover?
Not necessarily. Hospital and extras cover different types of services. Consider the needs of everyone covered, including dental, optical, physiotherapy and other services your family may use.
Will our family serve new waiting periods if we switch?
Waiting periods already served are generally recognised when moving to an equivalent or lower level of cover. Waiting periods may apply to new people, new benefits or upgraded cover. 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 family health cover?
Complete the 60 second cover check or call Health Deal on 1300 369 399.