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Health Insurance Tasmania
AHM
AIA Health Insurance
Australian Unity Health
HCF
HIF
NIBAccording 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 Fund | Monthly 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.
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 Fund | Excess | 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 Gold | None | $394.12 |
| Medibank – Gold Ultra Health Cover | None | $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:
- Elective cosmetic surgery, unless specifically stated that your policy covers it.
- Any claim made after 2 years have passed since the service or treatments were received.
- Treatments and services provided by a member of your family, business partner, or a provider that isn’t recognised by your health fund.
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.
What funds will help cover for a pre-existing medical condition? We are a family of 4 and have no health cover at the moment. My wife has recently been diagnosed with a brain tumour which will possibly need surgery down the line. If we take out health cover now, would we be covered for this in 12 months time or would it be ineligible as it is a pre-existing condition?
Hello. I’m sorry to hear about your wife’s diagnosis.
Generally, health funds require a 12 month waiting period for pre-existing conditions. However, this might vary from fund to fund and it’s best to request and compare quotes to find a one suited to you and your family’s requirements.