Private Health Insurance
Private health insurance gives you more choice, faster access and greater control over your healthcare - for you and your family.
Tailored cover that fits your needs
More choice, more control
Support you can count on
Top insurer access
We compare leading funds to find you the right cover and value
Better value
No hidden fees. More discounts. More peace of mind!
Specialist support
Local experts with 20+ years experience in insurance and finance
Trusted by 1,000
Protecting individuals families and businesses across Australia
Hospital Cover
Hospital cover lots you choose your doctor and whether to be treated in a public or private hospital.
It may also give you more choice around when and where you're admitted. If you're in a public hospital, waiting lists may still apply.
Many medical services listed on the Medicare Benefits Schedule (MBS) may be covered, while some items not listed - such as certain cometic procedures - may only be covered to a limited extent (or not at all). depending on your policy.
Extras & Ambulance Cover
General Treatment Cover
Covers everyday health services outside hospital including dental. optical, physiotherapy, chiropractic, podiatry, psychology, home nursing and more.
Ambulance
Medicare doesn't cover ambulance services, get cover as part or your
hospital policy or as a standalone option
Waiting Periods
When you start a new private health insurance policy or increase your level of cover, you have to complete waiting periods before you can claim benefits under your new level of cover.
Hospital treatment waiting periods
The government sets the maximum waiting periods that insurers can impose for hospital treatment:
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12 months for pre-existing conditions,
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12 months for pregnancy and birth (obstetrics),
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2 months for psychiatric treatments, rehabilitation or palliative care, even for a pre-existing condition,
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2 months in all other circumstances.
General treatment waiting periods
The waiting periods for general treatment (ancillary or extras) cover are set by individual health insurers.
Generally, waiting periods vary from 2 to 6 months for items such as general dental, optical and physiotherapy, and up to 12 months or more for major items such as orthodontics or hearing aids.
Overseas Visitors
If you're visiting Australia on a temporary visa, Overseas Visitors Health Cover (OVHC), this covers medical treatment while you are here.
Overseas Students
Studying as an international student in Australia, you are required to take health insurance as part of your visa conditions - for example, students are required to take Overseas Student Health Cover (OSHC).
Your Trusted Insurance Partner
Hippo Wealth has been helping Australians protect what matters for over 4 years, with more than 20 years of combined experience in insurance and finance.
We value trust, time and relationships. Our expert team delivers the right cover at the right price -tailored to your needs.
What Differentiate Us?
Free Comparison
Our comparison service will help you find the balance point, saving you time and effort.
Superior Product
Leading Insurers, Selective Insurance Brands, Dedicated Specialist Team Support.
Further Discount
No hidden fees, More discounts, and More Peace of Mind.
Hippo Care
Ongoing insurance management and claim services, 24/7 global protection, giving you a peace of mind.
Hippo Academy
Share wealth management knowledge, financial education and risk management techniques.
Hippo Club
Win-Win resources, network and partnerships with attractive reward programs.
Frequently asked questions
Private health insurance can include hospital cover, extras/general treatment cover, and ambulance cover. The level of cover depends on the policy you choose.
Yes. Waiting periods can apply when you take out a new policy, increase your level of cover or switch to a higher level of benefits. The length of the waiting period depends on the type of service and the insurer’s policy terms.
Yes, you can usually review and adjust your cover as your needs change. However, changing your cover may affect premiums, benefits and waiting periods.
Ambulance cover depends on your state or territory and your existing health insurance policy. In some places, ambulance costs may not be fully covered, so it is worth checking before choosing a policy.