Important Disclosure

While we are a privately-owned business, the offers that appear on this site are from companies from which www.comparingexpert.com.au receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site.

While compensation arrangements may affect the order, position or placement of product information, it doesn’t influence our assessment of those products. Please don’t interpret the order in which products appear on our site as any endorsement or recommendation from us.

www.comparingexpert.com.au compares a select range of products, providers and services, but we don’t provide comparisons or information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.

or call 1300 795 560 to speak with a specialist

ACT Health Insurance

Avatar
Anneke Van Aswegen Updated: 21 June 2020
Types of Health Insurance

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.

Get Health Insurance Quotes

Make your health a priority. It’s easy, convenient and free!

Please select your state
Please enter your postcode
Please select your health cover
Please select your health cover type
Please enter a valid email
Please enter a valid mobile number
Please enter your full name, ie. John Smith

By clicking on ‘Request Quotes Now’ you agree and accept our Privacy Policy and Terms & Conditions.

Review Health Cover in The Australian Capital Territory

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.

Comparing the best private health insurance in ACT

The state you live in has an impact on your premiums.

For example, if most people in your state are healthy and claim less frequently from their health insurance, chances are your premiums could be lower for the same level of cover than for another state.

The cost of health insurance in the Australian Capital Territory is influenced by a variety of factors, including:

  • The level of competition between health funds,
  • Health trends in your region,
  • Your state’s demographics,
  • Cost of setting up offices in ACT, and
  • Local rules and laws.

Which ACT health insurance company is the cheapest?

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
nibKickstarter $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.

Health Insurance Quotes

  • Reduce out-of-pocket expenses
  • Keep you family healthy
  • Easy and convenient
  • Free to use

Want to talk to a specialist? Call 1300 795 560

Waiting periods and exclusions

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.

Exclusions

Exclusions refer to any services or treatments your health insurer will not cover. However, exclusion varies from policy to policy, so carefully read through the product disclosure statement before purchasing.

Some general exclusions might include:

Waiting periods

All health funds have waiting periods included on their policies. A waiting period is the length of time that must pass before you can claim for a service or treatment that is included with your policy. This is to ensure that people don’t merely take out a policy when they need immediate cover and then cancel after treatment has been received.

Health funds very rarely waive waiting periods. So, if you suspect that you might need to use a service or treatment in the future, for example, if you’re planning to become pregnant, it’s a good idea to take out cover now.

General waiting periods:

  • 2 months: For some extras, like physiotherapy and general dental services.
  • 6 months: Optometry, like for glasses and contact lenses.
  • 12 months: Pregnancy and pre-existing conditions.

Health insurance levies and rebates

You can save on the cost of your premiums by avoiding additional tax charges and making use of the private health insurance rebate.

Reduce your premiums through rebates

The Private Health Insurance Rebate was created by the Australian Government to encourage Australian residents to take out private cover in an effort to reduce the burden on the public health care system (Medicare).

The rebate is paid to you through a percentage of the cost of your premiums, up to a maximum of 34.579%. You can choose to receive your rebate through reduced premiums or by a reduction in your tax from the Australian Tax Office (ATO).

Avoid having to pay for levies

You’ll receive additional taxes in the form of levies when you don’t have private health cover.

  • The Medicare Levy Surcharge (MLS) is an additional 1.5% in tax that you’ll have to pay when your income is over a certain amount.
  • The Lifetime Health Cover (LHC) loading, will add another 2% tax if you don’t get private cover before the 1st of July following your 31st birthday. If this 2% gets added, you can only get rid of it when you have a private hospital or combined hospital and extras cover for 10 consecutive years.

Frequently Asked Questions

  • Is ambulance cover free in ACT?

    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:

    • Treatment & Transport for emergencies = $936.
    • Treatment only emergencies = $649.
    • Non-emergency ambulance services (treatment + transport by Ambulance Paramedic or Intensive Care Paramedic) = $669
    • Non-emergency ambulance services (treatment + transport by Patient Transport Service) = $241
  • Are dental services free in ACT?

    The Australian Capital Territory offers some free dental services for:

    • Children under the age of 14 years who attend an ACT school.
    • Young people older than 14 years who have access to a Health Care Card.
    • Adults who have a Centrelink-issued Pension Concession or Healthcare card.

Health Insurance Quotes

  • Reduce out-of-pocket expenses
  • Keep you family healthy
  • Easy and convenient
  • Free to use

Want to talk to a specialist? Call 1300 795 560

Other topics

Subscribe and stay up to date. Sign-up for our newsletter

By subscribing, you agree to our Privacy Policy.

Thanks for reaching out!

We will review your comment and get back to you as soon as possible. If your inquiry is urgent, please use the phone number listed at the top of this page.

Talk to you soon.

Have a question? Ask a specialist.