If you reside in the Australian Capital Territory, then count yourself lucky, because it is generally considered to be one of the healthiest states, compared to the rest of Australia.
However, even though the state has lower reported cases of heart disease, many residents still have high cholesterol, and 63.5% of adults are categorised as being overweight or obese.
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It’s important that you know your health status to determine whether you’ll benefit from private health insurance. For example, if you have pre-existing medical conditions you might want to review your health cover to ensure you’ll be able to afford the treatments and services you might need in future.
Find out if cheap health insurance in ACT offers value for money, and which fund best suits your specific requirements.
To ensure you’re getting maximum value for your premium, it’s crucial that you compare similar policies from the top health insurance companies in your state.
The below table shows what a single person without dependents can expect to pay for a combined hospital and extras package.
| Health Fund | Policy Option | Excess | Average Monthly Premium | What Stands Out |
|---|---|---|---|---|
| nib | Kickstarter | $500 | $108.09 | Receive hospital treatment in a private or public hospital with comprehensive ambulance cover. General dental, optical and Non PBS pharmaceuticals are also included. |
| Bupa | Young Singles Choice | $0 | $166.70 | Private benefits for accidents, selected dental and gynaecological surgery. Includes major dental, acupuncture and remedial massage. |
| HCF | Young Starter | $250 | $162.75 | Free overseas travel insurance and comprehensive ambulance cover. You’re also covered for optical, physiotherapy, chiropractic and naturopathy. |
| Medibank | Everyday Essentials | $250 | $137.15 | Hospital cover for knee and shoulder reconstructions, as well as heart related services. You’re covered for podiatry, optical and dental. |
| ACT Nurses and Midwives | StarterPak | $0 | $119.80 | Access to a national network of agreement hospitals & day facilities. Full benefits for hernias, knee and shoulder reconstructions. |
| Australian Unity | Basic Saver | $500 | $112.25 | Partial cover for ambulance & only provides private hospital cover for accidents. You’ll be covered for general dental, optical and physiotherapy. |
Exclusions and waiting periods are important to review when looking for the right health insurance because they can have a direct impact on your ability to claim.
You can save on the cost of your premiums by avoiding additional tax charges and making use of the private health insurance rebate.
Whether ambulance serves are free in ACT depends on some specific circumstances. Free ambulance cover is only available to school children, pensioners, concession card holders, and residents injured in car accidents. The charges can also be waived under extraordinary circumstances, such as in the case of the Good Samaritan act.
In all other situations, you will be charged the following fees:
The Australian Capital Territory offers some free dental services for:
We’ll help you compare policies and premiums from top health funds in ACT so that you can find the right policy for your requirements and budget.