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What is health insurance?
Most private health insurance lets you pick a level of cover to help pay some of the cost of medical services and treatments, such as in-hospital treatments and everyday health services like optical and dental. The kind and level of cover you choose often depends on your health or wellbeing needs and your budget.
You can buy Hospital and Extras as a combined cover for peace of mind, or you can choose Hospital only or Extras only. Taking out a Suncorp Health Insurance Extras policy means that every time you claim for an insured service or treatment, you’ll get 60% or 75% back depending on your product, up to the annual limit.
How much do you value your body?
Female 1: My most valuable thing would have to be our house.
Female 2: Probably my house.
Female 3: My apartment.
Female 4: My dog Archie.
Male 1: The most valuable thing I have would be my camera, it’s my tool for work, it’s probably the-financially the most valuable thing I have.
Male 2: My red sports car, you know, you need to have a sport car so I went out and bought that.
Female 5: The most expensive thing I own is my house, it’s a really nice house.
[On screen text]: What about your body?
Male 2: Mmm, yeah that’s super important.
Male 1: Uuumm
Male 3: That’s a very interesting question.
Female 3: I guess I picked a thing.
Female 1: It really probably, well definitely, is the most valuable thing that I have.
[One screen text]: You own your car…And protect it. You own your home…And protect it. So why not protect your body?
Male 2: It is probably the most important thing in your life but until something goes wrong you don’t really realise just how important it is.
Female 3: I would do a different drawing, I’d maybe do like muscles or something.
Male 4: I should think about that.
Male 1: You’ve only got one body.
[On screen text]: It’s your body. Protect it.
Why Suncorp Health Insurance?
Pay with direct debit and save 4%
Receive a 4% discount on your monthly premiums when you pay by direct debit^.
Dedicated team
We’ve teamed up with nib health funds to develop a great range of new Suncorp Health Insurance products.
60% or 75% back on Extras Cover
Depending on the cover you choose, get 60% or 75% of the treatment cost back, up to your annual limit.
Claim online anytime
Claiming made easy – you can even just upload a photo of your receipt to claim.
What you get with Suncorp Health Insurance
Hospital and Extras cover bought together or separately.

Private hospital accommodation

Avoid public hospital waiting lists

Choose your specialist

New glasses

Physio & Chiro
Get a quote in 60 seconds
Switching funds?
There’s no re-serving waiting periods – if you’ve already served a waiting period for equivalent services with your old fund.
^This offer is only available to new customers who take out an Suncorp Health Insurance combined Hospital & Extras policy between 01/02/19 – 31/03/19. The Offer will only be fulfilled to the primary policyholder after the policy has been held for 45 consecutive days from the end of the month that the Eligible Product was purchased in, providing the policy is paid up to date. The offer will be applied by advancing the date paid to by the value of $200 and will be referenced in the primary policyholders policy statement. Not available to existing AAMI, nib, Apia, Suncorp or Qantas Health Insurance customers or to previous policyholders who have joined and cancelled 6 months before or during the offer period. See full terms and conditions.
Useful tips from our experts
Hospital Cover
When you need to go to hospital it's Hospital Cover that helps pay for treatment as a private patient. Things like accommodation, intensive care, surgery and any prescription medication required for specific treatment when you’re in hospital are covered under Hospital Cover, depending on your level of cover.
Extras Cover
Extras Cover helps with common healthcare services not usually covered by Medicare. It's for services like dental check-ups, spectacles from the optometrist, and physio appointments if you pull a muscle.
Do I need private health insurance?
Suncorp Health Insurance gives you peace of mind knowing you can access private treatment in Australia when you need it, without having to join a waiting list in a public hospital. Let's say you hurt your knee playing netball and need surgery - you can find a specialist and have the surgery in a private hospital without having to serve public hospital waiting times.
If you're concerned about tax, having private hospital cover could help you avoid the Medicare Levy Surcharge at tax time if you're eligible. Find out more
Suncorp private health cover offers:
- Access to treatment in private hospitals
- Avoiding public hospital waiting lists
- Choice of which specialists treat you, when and where
- No Lifetime Health Cover Loading fees if you have Hospital Cover by July 1 following your 31st birthday