A new name in health, a trusted name in Queensland.
It starts by making the whole process easier by letting you chat one-on-one with the specialist Suncorp Health Insurance team.
Suncorp Health Insurance’s commitment to its customers is to make the sometimes complex world of health insurance simple and transparent.
Trust is crucial when it comes to the health of you and your family - which is why you’ll be pleased to hear that you can now get Suncorp Health Insurance (backed by nib health funds).
There are 2 types of cover you can count on - Hospital Cover and Extras Cover. Hospital cover helps you avoid public hospital waiting lists and pays benefits towards the cost of private treatment when you need to be admitted. Extras cover is for everyday health services like physiotherapy and visits to your dentist. You can buy Hospital and Extras as combined cover for peace of mind, or you can choose Hospital only or Extras only.
Whether you’re a young healthy single or couple, a big family, or happily living the life of an empty-nester, we’ll help you with private health insurance that suits you and your budget.
Why Suncorp Health Insurance?
Get the great service that you’ve come to expect.
We’ve teamed up with nib health funds to develop a great range of new health insurance products.
Choose to use any Extras provider with professional qualifications recognised by nib health funds, giving you the comfort of knowing you’ll get 60% or 75% back every time up to your annual limit.
Claiming made easy – you can even just upload a photo of your receipt to claim.
Switching funds? There’s no re-serving waiting periods – if you’ve already served a waiting period on equivalent services with your current fund.
Talk to one of the Suncorp Health Insurance team over the phone and they’ll prepare a quote for your personal circumstances. Prices may vary based on which State you live in and what Government rebate you’ll receive.
Why do you need private hospital insurance? For most of us it’s the comfort of knowing that if you or your family is ill or injured you’ll be treated quickly and by the specialist you choose.
The team can help you compare our levels of private health insurance cover to suit your budget and situation. Whether you’re a family, single, young or entering retirement, you can trust us to provide the right private hospital insurance for you.
5 types of hospital cover
*Based on the price for a single in QLD, with a 0% Lifetime Health Cover Loading, Tier 0 Government rebate, $500 Excess for hospital cover, and a 4% direct debit discount
Compare Suncorp Health Insurance Hospital cover in detail
Extras health insurance covers everyday services like visits to the physio, chiropractor or dental check-ups. Natural therapies are popular treatment options for those who value complementary medicine. The premium end of Extras covers hearing aids and speech therapy.
Extras services aren’t usually covered by Medicare, so if you want up to 60% or 75% of the treatment cost back, up to your limit, then Extras cover is for you.
4 types of Extras cover:
*Based on the price for a single in QLD, with a 0% Lifetime Health Cover Loading, Tier 0 Government rebate, and a direct debit discount
Compare Suncorp Health Insurance Extras cover in detail
Switching from another private health fund
We’ll recognise waiting periods you’ve served under your current fund, which is great – it means you can claim straight away and not be disadvantaged for these services.
However, you may be required to serve a waiting period for benefits on your new private health insurance policy that aren't covered by your existing fund. Any benefit limits already used with your current health fund will apply to your Suncorp Health Insurance policy. For more information call Suncorp Health Insurance on 13 11 55 or read the Policy Booklet.
How much excess do you want to pay?
You can choose $250 or $500 as your hospital excess for the top two hospital covers (Suncorp Health Insurance Everyday Plus and Suncorp Health Insurance Top Hospital cover).
This is the amount you agree to pay toward your hospital admission, before we pay a benefit.
Choosing a higher excess will reduce the cost of your premiums.
Each adult on the policy will only pay one excess per calendar year if they go to hospital, no matter how many admissions they may need. There is no hospital excess for dependent children under 21 years of age.
What's not covered during my hospital stay?
A hospital excess is the amount you elect to pay towards the cost of a hospital stay before any benefits are payable. You only pay an excess if you or someone on your policy goes to hospital. There is no hospital excess for dependent children under 21 years of age. The excess applies once per person per calendar year and is payable directly to the hospital prior to your admission.
Extra fees & charges
Additional fees may be charged by the hospital for care and treatment associated with your stay. These are not covered and may include:
- private hospital emergency or out-patients fees
- admission or booking fees charged by a specialist or the hospital
- private room accommodation for a same day procedure
Services listed as policy exclusions
Any service listed as excluded on a customer's policy is not covered. This includes:
- procedures within waiting periods
- cosmetic procedures to enhance appearance
Additional or specialised nursing care
If you require additional or specialised nursing care, extra charges may apply. Examples of such care includes:
- special nursing
- services provided exclusively or primarily for the care or treatment of a mentally disabled person who is not a private patient in a hospital
- services rendered in a nursing home
- respite care
Additional medications & procedures
If you require additional medications or procedures, extra charges may apply. These include:
- pharmaceuticals that are not available under the Pharmaceuticals Benefits Scheme (PBS)
- oral contraceptives
- autologous blood collection and storage
- procedures performed in a doctor's surgery
Services that aren't directly related to your treatment and care. These include:
- beauty services
- phone calls
- TV hire
- car parking
- luxury rooms
- take-home items e.g. crutches
Services not recognised by Medicare
Services, drugs or disposable items which may be used in a hospital but that are not recognised by Medicare. These are considered experimental and are not covered e.g. some items associated with robotic surgery
Going to hospital?
Make sure you contact us before you go to hospital or undergo a new course of treatment. It’s the best way to be sure you are covered under your Policy.
When a customer has displayed signs or symptoms of a condition not previously covered at any time during the 6 months prior to joining the insurer or upgrading their Hospital cover, this condition is said to be pre-existing.
A medical practitioner appointed by the insurer will determine if a condition is pre-existing once they have reviewed relevant information, such as reports from the customer’s own doctor.
Out of pocket expenses
Out of pocket expenses refer to the difference between what the insurer pays for, and the total cost of your stay in hospital. No matter what cover you have, it’s possible you’ll have to pay something towards going to hospital.