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Health Insurance Tasmania

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Anneke Van Aswegen Updated: 22 September 2020
Types of Health Insurance

According to the 2019 Tasmanian Population Health Survey, cancers, depression/anxiety, and diabetes have increased significantly over the last 10 years. Additionally, over a quarter of all adults reported their oral health as only fair or poor with a serious rise in tooth decay.

Tasmanianites experiencing health problems and the threat of Covid-19 infections might want to consider private health insurance.

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Health Insurance in Tasmania

While Medicare does cover many medical expenses, it doesn’t cover everything. Private health insurance might be worth considering to ensure all your health concerns are taken care of.

We reveal the cheapest private health funds available in Tasmania and which ones might meet your changing lifestyle and familial obligations.

Find cheap health insurance in Tasmania

When shopping around for the right insurance policy, keep in mind that premiums are also affected by your location. Factors that play a role in determining your base premium rate include health trends in your area, the demographic composition of your state and the cost of living.

Although the price of Tasmania health insurance is an important consideration, your stage of life should be a primary factor in your decision-making process. Young, single people fresh out of university will have different requirements compared to families or retirees. Make sure your chosen cover reflects your current needs.

Compare health insurance in Tasmania

Single adult: Combined Hospital and Extras

The table below shows the average monthly premium for a combined Bronze Plus Hospital and Extras policy with a $750 hospital Excess, in Tasmania.

Health FundMonthly Premium
AIA Health Insurance – Bronze Plus Hospital Everyday 750 and Lite Extras $161.60
NIB – Bronze Kickstarter Plus $750 Excess $162.55
AHM – Lite Flexi Bronze Plus $163.20
GMHBA – Bronze Plus Choice Package $164.12
health.com.au – Classic Bronze Plus ($750 Excess) $164.25

Source: privatehealth.gov.au (September 2020). Prices exclude Lifetime Health Cover loading and Rebates.

Couples: Silver Hospital and Extras

Below table reveals the average monthly premium for a Mid-level combined Hospital ($750 Excess) and Extras policy designed for couples without dependents, livng in Tasmania. .

Health Fund Average Monthly Premium
PeopleCare – Silver Hospital $750 & Simple Extras $362.62
Phoenix – Silver Everyday Hospital 750 & Kick Strt Extras $364.00
AIA Health Insurance – Silver Hospital Classic 750 & Lite Extras $367.53
RACQ – Silver Hospital 750 and Lite 60 Extras $378.20
Frank Health Insurance – Frank Essential Bundle (Silver) $378.84

Source: privatehealth.gov.au (September 2020). Prices exclude Lifetime Health Cover loading and Rebates.

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

Best health insurance for famlies in Tasmania

The below table shows the cost of a combined Hospital ($750) and Extras policy for a Tasmania family (two adults with dependent children). The policies below include pregnancy and birth-related cover.

Health Fund Average Monthly Premium
NIB – Top Cover Gold $750 Excess $654.25
AIA – Health Insurance Ultimate 750 & Enhanced Extras
$722.70
Peoplecare – Gold Hospital $750 & Premium Extras
$730.12
St. Lukes Health – Packaged Ultimate Gold $759.40
Bupa – Ultimate Health Cover – Gold $831.70
Medibank – Gold Ultra Health Cover $906.60

Source: privatehealth.gov.au (September 2020). Prices exclude Lifetime Health Cover loading and Rebates.

Health options for seniors living in Tasmania

We’ve compared health insurance for a single senior, with no dependents, living n Tasmania and purchasing a combined Hospital and Extras package. The below policies include coverage for Cataracts, Heart problems, Joint replacement, Hearing Aids, Home nursing, and Major Dental.

Health FundExcess Average Monthly Premium
Bupa – Prime $750 Excess – Silver Plus$750$262.05
St. Lukes Health – Packaged No Obstetrics Slver+ 500$500$278.60
Peoplecare – Silver Plus Hospital $750 & High Extras$750 $305.24
CBHS Corporate Health – Premium Package GoldNone $394.12
Medibank – Gold Ultra Health CoverNone $453.30

Source: privatehealth.gov.au (September 2020). Prices exclude Lifetime Health Cover loading and Rebates.

General exclusions and waiting periods

Private health cover is considered an effective way of covering the cost of a wide range of medical treatments and services. However, it is important that you understand the fine print of a policy before buying, so you can avoid any nasty surprises.

Exclusions

Conditions or services that your health insurer won’t pay for. For example:

Waiting periods

To claim for most treatments and services, you generally have to serve a waiting period, which is almost never waived. This simply means you need to wait the specified amount of time before you can claim for any services and treatments included with your policy.

Examples of general waiting periods:

  • 1, 2, or 3 years for more expensive procedures, like orthodontics.
  • 12 months: Major dental procedures (like crowns and bridges), pre-existing conditions, and pregnancy and other birth-related services.
  • 6 months: Optometry, including glasses and contact lenses.
  • 2 months: Physio and general dental services, as well as psychiatric care, rehabilitation, and palliative care.

Frequently asked questions

  • Do I have to pay for ambulance services in Tasmania?

    No, you generally won’t have to pay for ambulance services in Tasmania. The Tasmanian Government normally waives most costs associated with ambulance transport within Tasmania and its islands. However, a third party might be responsible for the costs of ambulance services when injured at work or due to a car accident for which you are not at fault.
  • Do I get free dental when living in Tasmania?

    Free dental services are only available for children living in Tasmania. All children, up to 17 years old, will receive free dental check-ups, preventative care, and treatment under the Medicare Child Dental Benefits Schedule.

    There are no free dental services for adults living in Tasmania. However, the Tasmanian Government does subsidise dental services to Tasmanians who have a Health Care Card or Pensioner Concession Card. They are then only required to make co-payments.

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

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