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Health Insurance
Suncorp Health Insurance has flexible cover options to take the worry out of injury and illness. You can get cover for in-hospital treatments, everyday extras, or both, for a little extra peace of mind.
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.
To support members, coverage has been expanded for chest, lung, kidney or other treatment related to COVID-19 across all levels of Hospital cover at no additional cost. You'll just need to have served the standard two-month waiting period before requiring treatment. Along with other health insurers across Australia, any treatment for COVID-19 as an outpatient that is covered by Medicare will not be covered by Suncorp Health Insurance. To review your level of cover, log in to your Suncorp Health Online Services Account or call us on 13 11 55.
Some temporary changes have been made to the suspension policy to help members through this difficult time. If you’re experiencing financial hardship as a result of the COVID-19 outbreak, and are eligible you can suspend your health cover. You won’t be charged premiums while it’s suspended, but you can’t claim during this period. However all members with Hospital cover who suspend during this time will still be able to access cover for COVID-19 related treatment.
The maximum financial hardship suspension period has been extended from three to six months to help eligible members impacted by COVID-19.
You’ll be reminded as your resumption date gets closer but your policy will automatically resume at the end of your agreed suspension period. You can also contact Suncorp Health Insurance to resume it sooner, if you wish.
Members normally will need to have been with Suncorp Health Insurance for 12 months or more to request a suspension but, for eligible members, this will be waived to make sure you are better supported during this challenging time.
In order to be eligible for COVID-19 premium suspension, you must have been an active member of Suncorp Health Insurance as at March 26, 2020 before being able to apply for a suspension. Please call 13 11 55 to discuss your options.
Please contact the hospital you’ll be having your surgery at, your medical practitioner, specialist or surgeon for any questions relating to COVID-19 and your upcoming procedure. This includes any questions about changing the date or what your options are in terms of cancellations.
For more information on the Australian Government management of the outbreak, travel restrictions and advice, contact the National Coronavirus Health Line on 1800 020 080. Otherwise, visit their website for more information.
Some temporary changes have been made to the suspension policy to help members through this difficult time. If you’re experiencing financial hardship as a result of the COVID-19 outbreak, and are eligible you can suspend your health cover. You won’t be charged premiums while it’s suspended, but you can’t claim during this period. However all members with Hospital cover who suspend during this time will still be able to access cover for COVID-19 related treatment.
The maximum financial hardship suspension period has been extended from three to six months to help eligible members impacted by COVID-19.
You’ll be reminded as your resumption date gets closer but your policy will automatically resume at the end of your agreed suspension period. You can also contact Suncorp Health Insurance to resume it sooner, if you wish.
Members normally will need to have been with Suncorp Health Insurance for 12 months or more to request a suspension but, for eligible members, this will be waived to make sure you are better supported during this challenging time.
In order to be eligible for COVID-19 premium suspension, you must have been an active member of Suncorp Health Insurance as at March 26, 2020 before being able to apply for a suspension. Please call 13 11 55 to discuss your options.
If your Extras cover includes Pharmaceutical Prescriptions, Suncorp Health Insurance will pay benefits towards the cost medicines prescribed by a licensed medical practitioner. They must be dispensed by either a doctor, pharmacy or licensed Chemist registered with Suncorp Health Insurance in order to be eligible.
Suncorp Health Insurance will pay a Pharmaceutical Prescriptions benefit when the medicine is:
- listed on the Australian Register of Therapeutic Goods (ARTG);
- listed with the Poisons Standard; and as 4 or 8
- not subsidised or claimable through the Schedule of Pharmaceutical Benefits.
If the vaccine meets these criteria, then Suncorp Health Insurance will cover the vaccine under Extras cover that includes the Pharmaceutical Prescriptions benefit.
If you have any upcoming appointments with the dentist, physio or other health care providers, it’s important you contact them about your COVID-19 related questions.
For more information on the Australian Government management of the outbreak, travel restrictions and advice, contact the National Coronavirus Health Line on 1800 020 080. Otherwise, visit their website for more information.
To support the mental health of Health Insurance members, Suncorp Health Insurance has temporarily expanded cover for psychology to eligible members until 31 March 2021. For more information please call 13 11 55.
Health insurers in Australia are unable to cover out-patient services covered by Medicare, such as GP visits. This means Suncorp Health Insurance does not cover doctors’ appointments for Australian residents, including appointments via video.
Telehealth consultations are temporarily available for selected services until 31 March 2021. Members with Extras cover can claim on the following services (provided it is included in their level of cover and subject to waiting periods and limits):
- Psychology
- Physiotherapy
- Dietetics
- Speech pathology
- Occupational therapy
- Exercise physiology
- Podiatry
For more information please call 13 11 55.
Related link: How to Access Telehealth Services from Home
Claims for complications arising from COVID-19 will be assessed in line with the Pre-Existing Conditions section of your policy. Please refer to the Suncorp Health Policy Booklet or call 13 11 55.
To support members experiencing ongoing financial hardship as a result of the COVID-19 pandemic, Suncorp Health will be waiving the 1 October 2020 premium increase until 1 April 2021 for members receiving the Australian Government’s JobSeeker and JobKeeper assistance.
This will be applied in the form of a one-off credit that covers the cost of six months’ worth of premium increases (1 October 2020 to 1 April 2021) to provide our members with assistance now, when they may need it most.
The credit will be applied to the member’s first scheduled premium payment after their application has been processed. Following this payment, the premium will change to the new rate as outlined in the member correspondence.
The one-off premium credit will be automatically applied to the members on these Government subsidies who have previously received our special COVID-19 financial hardship support package.
Members who were previously ineligible to receive Suncorp Health’s COVID-19 financial hardship support and are now receiving the Australian Government JobSeeker and JobKeeper payments are able to apply for the premium subsidy until 15 October 2020.
To apply or find out more, please contact Suncorp Health by 15 October 2020 on 13 11 55.
Members who are not receiving JobKeeper and JobSeeker payments are unable to access this offer. However members experiencing ongoing financial hardship as a result of the COVID-19 pandemic, are encouraged to contact 13 11 55 to discuss how we can support them.
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
Health Insurance Articles
^This Offer is only available to new members who take out a combined Suncorp Health Insurance Hospital and Extras policy by 11:59pm (AEDT) 28 February 2021. Not available to existing health insurance policyholders with AAMI, Apia, Suncorp, nib, GU Health or Qantas, or to previous policyholders who have held health insurance with any of these brands and cancelled their policy 6 months before or during the Offer Period.
The Offer consists of adjusting the “paid to” date on the qualifying policy to reflect the reduction off the premium payable for an amount equating 4 weeks of the annual premium. The Eligible Member must maintain the Eligible Product up to the date of the Offer being applied to the active policy, being 31 March 2021 for members who join before 31 January 2021 and 29 April 2021 for members who join before 28 February 2021. The Offer will be forfeited if the Eligible Member is not an active policyholder on these dates.
In addition, 2 & 6 month waiting periods will be waived for Eligible Members on all Extras services that normally require a 2 or 6 month waiting period under the Eligible Product. The Waiver will be fulfilled at the time the Eligible Member takes out the Eligible Product. Longer waiting periods may apply for some services.
See full terms and conditions. Suncorp Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib), a registered private health insurer, and is marketed by Platform CoVentures Pty Ltd ABN 82 626 829 623 (PC), a Suncorp Group company. PC is an authorised agent of nib and receives commission from nib. nib is not a part of the Suncorp Group. Read the policy booklet before buying this insurance.