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Choose your cover.

We understand everybody is unique and by completing the form below you can get a personalised quote to suit the level of cover you need. Click the 'Join Now' button when you are ready and make the switch to Australia's most experienced health fund.

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If you are having any issues please call Peta or Stephen on 1300 564 646.

Let's get your details

Who would you like to cover?

Government rebate

We will apply a 'base tier' rebate to the price quoted. If you are not entitled to the 'base tier', choose another rebate tier below. If you don't want to claim the rebate, choose 'no rebate'.

Choose your hospital cover


I don't need hospital cover

Gold Premium Hospital

  • $750
  • $500
  • $250
  • $0

Silver Plus Smart Hospital No Pregnancy

  • $750
  • $500

Bronze Plus Step Up Hospital

  • $700
  • $350

Bronze Plus First Start Hospital

  • $700
  • $350

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Hospital psychiatric services
Palliative care
Brain and nervous system
Eye (not cataracts)
Ear, nose and throat
Tonsils, adenoids and grommets
Bone, joint and muscles
Joint reconstructions
Kidney and bladder
Male reproductive system
Digestive system
Hernia and appendix
Gastrointestinal endoscopy
Miscarriage and termination of pregnancy
Chemotherapy, radiotherapy and immunotherapy for cancer
Pain Management
Breast surgery (medically necessary)
Diabetes management (excluding insulin pumps)
Lung and Chest
Heart and vascular system
Back, neck and spine
Plastic and reconstructive surgery (medically necessary)
Dental surgery
Podiatric surgery (provided by a registered podiatric surgeon)
Implantation of hearing devices
Joint replacements
Dialysis for chronic kidney failure
Pregnancy and birth
Assisted reproductive services
Weight loss surgery
Insulin pumps
Pain Management with device
Sleep studies

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Choose your extras cover

I don't need extras cover

Premium Extras

Smart Extras

Value Extras


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Major dental
Chiropractic/ Osteopathy
Occupational therapy
Remedial massage
Alternative therapies — see cover guide for full list
Health aids — see cover guide for full list
Hearing aids
Nicotine replacement therapies

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Your quote

New rates apply from 1st April 2021

  • Weekly
  • Fortnightly
  • Monthly

There was an error retrieving your quote. Please try again later.

  • Select your type of cover
  • Select your location
  • Base tier government rebate
  • Please select your hospital cover
  • Please select your extras cover

You must select at least one Hospital or Extras cover option.

Join Now

*Price calculated with 0% LHC loading. Based on your personal circumstances an LHC loading may be applicable.

If the information you provide when you join differs from this, the cost of your cover may change.

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1300 56 46 46

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Hospital excess

Lifetime Health Cover loading

The Australian Government Rebate on Private Health Insurance