Health insurance is a necessity. The type of cover you choose should provide you with peace of mind and certainty that the costs of unexpected medical and surgical expenses will be paid for. Unlike most health insurers, allows you to choose the health care practitioner, pharmacy and clinic you are most comfortable with.
Fact Checked

Updated: 24 May 2024

This is an easily accessible online health insurance provider with simple, readily available customer service. However, if you’re looking for health insurance coverage for the first time or want to make sure your current cover is the best one available, it’s a good idea to shop around and compare different policies.

Compare Health Insurance Quotes

Protect what’s most important to you. It’s easy, convenient and free!

By clicking ‘Request Your Quotes’, you agree and accept our Privacy Policy and Terms of Use and consenting to us contacting you about the products and services provided.

ComparingExpert does not currently have access to this provider. Visit to request a quote and compare their price and benefits to the Australian private health insurance companies we have access to.

Who is is an online health insurance service provider for both in and out of hospital treatments. Their parent company, NIA Limited, incorporated in 2011, offering policies that cover same day and overnight stays, meals, nurses, intensive care, operating theatre costs and government approved surgically implanted prostheses.

In July 2015, became a subsidiary of GMBHA. GMBHA is an Australian non-profit private health insurance company who has been providing health insurance to the public for over 80 years. private health insurance options

You can choose the most suitable option for your needs from among their three policy types:

Who is

The Hospital only, Extras only and Combined policies cover children and dependents until they reach 21 years of age. If one of your dependents is a student studying full time, the policy will cover him/her until age 25. private health insurance has a 30 day cooling off period, which means if you decide to cancel your policy within 30 days of purchase, they will refund all your premiums paid up until that point.

Standard benefits include: Review

If you’re interested in the services has to offer, there are four options you can choose from: Base Hospital, Pulse Extras, Extras 50 and Simple Essentials 60.

Base Hospital

Base Hospital is targeted at the young and healthy who only need the essentials. All commonly claimed medically-recognised services are covered by this option:

Restricted cover is offered for rehabilitation, podiatric surgery and Psychiatric services.
This means that you are covered as a hospital patient in a public hospital’s shared ward, but not in a private hospital.

Base Hospital excludes cover for:

Pulse Extras

If you find you need a little more than what Base Hospital has to offer, you might want to consider looking at Extras Cover. One of the benefits of Extras Cover is that your bill can be paid up to 50% or 60% of the annual cap.

Services that are excluded by Pulse Extras:

Extras 50

As the more comprehensive option, Extras 50 allows you to get 50% of your bill paid back from your medical care provider, up to your annual cap. This option covers the following services and cap limits.

Simple Essentials 60

60% of your bill up to the annual cap, will be paid for when you have the Simple Essentials 60 option. Covering the following services, it adds up to be worth $1200 per year.

Frequently Asked Questions and Answers

Claiming is easy. There are two way you can claim your benefits:

  • Present your Claims Card once you’ve been admitted to hospital or upon entering a medical contract.
  • Claim online by logging into your account, enter your Customer Number then send a snapshot of your receipt.

All bills, apart from assisting surgeons and anaesthetists, should be forwarded to au for processing.

No, does not offer Overseas Visitors Health Cover (OVHC). Visitors’ health cover in Australia is offered by service providers such as Allianz Global Assistance, Australian Unity, Bupa, Frank Health Insurance, hbf, HCF, hif and nib.



Megan has extensive experience writing about health and life insurance in Australia. Megan has a special interest in health and wellness. She relies on her background in counselling psychology to convey the latest findings in a manner that is most beneficial to ComparingExperts readers. In every article she writes, Megan aims to uphold the standards of the Private Health Insurance Intermediaries Association (PHIAA) which ComparingExpert is part of.

Other Topics

Find out more with our useful guides

Have a question? Ask a specialist.


loading comments...