If you live in Western Australia, then you are privileged to experience the best health standards in the world. A state that also boasts of having one of the longest life expectancies. That said, 66% of Western Australians are obese and overweight, the drinking behaviour is considered risky, and the healthcare system is under pressure from an ageing and expanding population.
Western Australia Health Insurance
While Medicare does cover more comprehensive services like health management programs, weight-related surgery, rehabilitation, joint surgery, and osteoporosis treatment, private health insurers do.
Use this guide to find out which health insurance fund in Western Australia might offer you the cheapest premium. While price shouldn’t be your only consideration, we’ll also compare the features and benefits of some of the top health insurance funds available to you.
Who offers cheap health insurance in WA?
Western Australians can expect to pay higher Extras premiums than the rest of the country, with families paying around $1,898.00 in yearly premiums. Hospital cover will cost families around $4,112.85 per year, while combined packages for families are generally cheaper compared to other states, with annual premiums of around $6,145.54.
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*Premiums are based on a single adult, under the age of 30, living in NSW. It includes a 25.059% Australian Government Rebate and a 5% AIA Vitality discount.
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Compare private health insurance in WA
We’ve compared health insurers in Western Australia to give you a good idea of how much you could pay for private health insurance. The below table shows you the average monthly premium for a combined hospital and extras package for a single adult with no dependents.
|Health Fund||Policy Option||Excess||Average Monthly Premium||What Stands Out|
|HBF||Young Singles Saver Twin Pack||$100||$112||Biggest health fund in WA, covering 82% of medical treatments in hospitals. You can avoid or reduce outstanding costs by choosing their GapSaver.|
|Teachers Health Fund||StarterPak||$0||$97.20||Exclusively for teachers. Health & fitness discounts, quality health management programs, and access to 17 dental centres.|
|Medibank||Everyday Essentials||$250||$114.85||Access their 24/7 Health Advice Line in times of emergencies, and claim 100% back on your annual dental check-up and optical items.|
|Nurses and Midwives||Starterpak||$0||$97.20||Exclusive policies for nurses & midwives. One of the few funds to offer a 9-month waiting period for pregnancy and birth-related services instead of the usual 12 months.|
|AHM Health Insurance||black+white starter flexi||$500||$112.28||Backed by a trusted national brand (Medibank), AHM offers a range of policies with no individual limits on included Extras, so you can claim more and spend less.|
|Police Health||Platinum Health||$0||$283.72||A simple range of policies, designed specifically for policing communities, with a 99% customer satisfaction score.|
WA health insurance levies and rebates
Private health insurance is not only a means of effectively covering the cost of quality healthcare but also helps you avoid certain levies.
Exclusions and waiting periods
Private health insurance is considered an effective way of covering the cost of a wide range of medical treatments and services. However, it is important that you know the terms and conditions of your policy before buying, especially the exclusions and waiting periods.
Read your product disclosure carefully. Some general exclusions your policy might have, include:
- Claims made 2 years after treatment was received.
- Elective cosmetic surgery.
- Prostheses used for cosmetic reasons and where no Medicare benefit applies.
- Any treatments and services provided by a family member, business partner, or a provider that isn’t recognised by your health fund.
- Any treatments and services you received from outside of Australia.
- Any treatments and services you received while your policy is in arrears, suspended, or within a waiting period.
While the maximum for Hospital waiting periods is set by the Government, waiting periods for Extras are set by individual health insurers.
General waiting periods for Hospital treatments:
- 12 months for pre-existing conditions, pregnancy and birth-related services (like delivery costs, hospital accommodation, IVF, Obstetricians’ fees, etc.).
- 2 months for psychiatric care, rehabilitation, and palliative care (even if these are pre-existing conditions), like eating disorders, alcohol rehabilitation, and post-natal depression.
General waiting periods for Extras treatments:
- 1, 2, or 3 years for more expensive procedures, like orthodontics.
- 12 months for major dental procedures, like bridges.
- 6 months for optometry, including the cost of glasses and contact lenses.
- 2 months for physiotherapy and general dental services.
Frequently asked questions
How much does ambulance cover cost for people living in WA?
The cost of ambulance cover in WA varies according to your specific location and what services the ambulance provides. For example, residents of the Perth metro area are encouraged to take out private health cover to help pay for specific ambulance fees. Life-threatening and urgent trips cost $932, non-urgent trips cost $500, and patient transfer costs $458 in metro areas.
Take note that aged pensioners receive free ambulance services, and senior citizens over 65 need only pay half the cost of normal ambulance expenses.
Can I get free dental when living in Western Australia?
If you live in Western Australia and are between the ages 5-16, and a student at a school recognised by the Department of Education you’ll get free dental services from the School Dental Service, up until the end of year 11.
If you have a Pensioner Concession Card or Health Care Card, you are eligible to receive subsidised emergency and general dental care. The rate of subsidy is currently at 50% of the cost of treatment.
We can help you compare health insurance in WA, so you can find the policy to suit your specific requirements and budget; providing you maximum value for the type cover you want.
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