Important Disclosure

Our mission at ComparingExpert is to provide our users with free information and tools that empowers you to make decisions with confidence. We may be paid when readers visit links, purchase products or services from partners listed on this site.

You do not pay any extra for using our service.

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. compares a select range of products, providers and services, but we don’t provide comparisons or information on all available products, providers or services. 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

Private Health Insurance Queensland

Megan Fraser Fact Checked Updated: 27 November 2023
Types of Health Insurance

If you’re looking for the best private health insurance Queensland has to offer, you’ve come to the right place. We help you better understand which options are available to you and how to go about getting the cheapest cover at the best price.

As the health insurance market in Australian varies between state and premiums are loosely based on the residents’ needs, demographics and health profile, you might benefit more when choosing a policy specific to your region.

Compare Health Insurance Quotes

Please select your state
Please select your health cover

Compare and Review Health Insurance in Queensland

QLD offers locals a large network of health facilities, including 276 hospitals. The health insurance companies operating in your region gives you the option to choose between Hospital, Extras and Combined Hospital and Extras cover.

Hospital Cover pays for hospital-related procedures performed in a public or private hospital, while Extras cover generally pays for health needs that Medicare does not cover, for example, most dentistry, optical and weight loss programs.

Costs associated with private health insurance in QLD

Recently, health insurance premiums throughout Australia has risen close to 5%. As a family living in Queensland, you can expect to pay an average of $6,378.54 annually for Hospital & Extras Health Insurance Cover.

Instead of being discouraged by the rising costs, this might be the ideal time for you to review your current policy and see what else is available. If you do not yet have health insurance, you might want to start considering your options.

The best private health insurance companies in Queensland

Information represented in the table below is based on the results for a single adult, without dependents, purchasing the most affordable combined hospital and extras policy.

Health Fund Policy OptionExcessAverage Monthly Premium Description
Queensland Country Health Public Hospital with Extras $250 to $500 $146.35 Their most basic option covers the cost of treatment received in a public hospital, including major eye surgery and assisted reproductive services.
Australian Unity Basic Saver $500 $112.25Covers you for joint reconstruction and emergency ambulance transportation, as well as general dental, physiotherapy and dietetics.
Medibank Everyday Essentials $250 $120.90 Benefits towards overnight and same day accommodation in a shared room are paid for when receiving treatment as a private patient in a public hospital.
nib Kickstarter Plus $500 $108.33 Only provides private hospital cover for nibs Accidental Injury Benefit and includes extras like general dental, chiropractic and physiotherapy.
Nurses and Midwives Starterpak$0 $119.80 Combines basic Hospital and Extras cover exclusive to the nursing and midwifery community. Includes your choice of doctor, access gap cover and general dental and optical.
Police Health Platinum Health $0 $327.20 Combines Top Hospital and SureCover Extras for current employees of a State, Territory or Federal police department. There are no exclusions, excesses or daily co-payments.
Teachers Health Fund Starterpak $0 $97.20 100% owned by its members. Profits go straight back into offering better products and services for the education community. Covers the cost of hernia removal, accidents, as well as dental and optical.

Health Insurance Quotes

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

Want to talk to a specialist? Call 1300 795 560

Exclusions and waiting periods

Exclusions and waiting periods form an integral part of every health insurance policy. Their function is to prevent people from merely upgrading or purchasing a policy to get hospital insurance for an immediate health concern and then cancelling once the treatment has been completed. This will result in higher premiums for everyone.

How do exclusions work?

Having an exclusion means you will not be covered for treatment as a private patient in a public or private hospital for the conditions mentioned in the terms and conditions of your policy.

For example, if your policy excludes cardiac services and you need coronary artery bypass surgery, your policy will not pay anything towards your hospital and medical costs. Exclusions vary from insurer to insurer, so be sure you carefully read through your policy disclosure statement.

Waiting periods explained

Waiting periods refer to the length of time you need to wait before you can claim for services. These periods differ between policies, so you need to familiarise yourself with the terms and conditions of your policy to determine how it will affect you.

Take note; a waiting period might not apply if you transfer from one health insurer to another of similar value.

The maximum waiting period that can be imposed are set out by the government. Below is a general list of waiting periods adopted by most health funds.  

Waiting period Services
12 months
  • Pre-existing conditions: Any illness, ailment or conditions that you had 6 months before joining.
  • Pregnancy: You generally need to have had your policy for 12 months before getting pregnant.
6 months
  • Benefits for optical items, like glasses and contact lenses.
2 months
  • Psychiatric, Rehabilitative and Palliative Care.
  • This includes eating disorders, post-natal depression, drug and alcohol rehabilitation.

Queensland health insurance levies and rebates

What are levies and how do they work?

A levy is a fee you are required to pay to a governing body when you’re single and earn $90,000 or more and $180,000 or above for couples and families. You are required to pay a levy of 1 – 1.5% of your annual income to the Australian government. This is known as the Medicare Levy Surcharge (MLS) and applies to you if you do not have private health insurance.

Your MLS rate is dependant on your income and age, but can be avoided when purchasing private health insurance as this alleviates demand on the public health care system.

What is a private health insurance rebate and how can I claim?

A private health insurance rebate is the amount the Australian government contributes toward the cost of your health insurance premiums. It is introduced as a financial incentive to help Australians more easily afford private health cover.

The amount you are entitled to receive depends on three things: 1. your private health policy, 2. your income and 3. the age of the oldest person on your policy.

There are 2 ways you can go about claiming your rebate:

  1. As ongoing reduction of your premiums.
  2. Paying less on your annual tax.

Frequently asked questions

  • Are ambulance services covered in Queensland?

    Yes, ambulance services, including emergency pre-hospital treatment and transport fees are covered for all permanent resident in Queensland. You receive ambulance coverage anywhere in Australia and if you are sent an invoice for these services, simply forward it to the Queensland Ambulance Service (QAS) for payment.
  • Are there free dental services available in QLD?

    Yes, there are free dental services available in Queensland. However, to qualify for publicly funded dental care, you need to be in possession of one of the below cards:

    • Pensioner Concession Card issued by the Department of Veterans’ Affairs
    • Pension Concession Card issued by Centrelink
    • Health Care Card
    • Commonwealth Seniors Health Card
    • Queensland Seniors Card

With a better understanding of what is available, make sure you compare your health insurance options in detail so you can get the best level of cover at the most affordable price.

Health Insurance Quotes

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

Want to talk to a specialist? Call 1300 795 560

Other topics

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.

Did you know we also compare Life Insurance?

Get life insurance quotes online in under 60 seconds. Compare the features and benefits from some of the largest life insurance companies in Australia.

  • Protect Your Loved Ones
  • Save Time & Money
  • Support at Every Stage
To receive great value when comparing premiums and policy features from select insurance brands, please provide us with a few details about yourself in the quote form below.
Please select your level of cover
Please select your age
Please select your gender
Please select your smoking status
Please select your state

Almost done...

We just need a few more details about you, so that we can help you find the right cover for your requirements.
Please enter your full name, ie. John Smith
Please enter a valid email
Please enter a valid mobile number

By clicking ‘Compare & Save Now’, you are accepting our Terms of Use, Privacy Policy and consenting to us contacting you about the products and services provided. Please consider the PDS before purchasing any products.

Call 1300 743 254

Thank you!

We’ll be in touch soon to ensure that we have all the information needed to create a quote specific to your unique requirements.