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.
Pay with direct debit and save 4%
Receive a 4% discount on your monthly premiums when you pay by direct debit^.
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
Private hospital accommodation
Get a quote in 60 seconds
Need a coverage that suits your lifestage?
Your needs, priorities and finances can change over the course of your life. So choosing the right Health Insurance for your stage of life can help you focus on the important things.
There’s no re-serving waiting periods – if you’ve already served a waiting period for equivalent services with your old fund.
Pathology tests in an out-patient setting are covered by Medicare, and therefore aren’t covered by Suncorp Health Insurance. It’s best to check with Medicare to determine what tests are covered and whether you’ll experience any out of pocket costs.
If your Hospital cover provides cover for your treatment, you’ve served your waiting period (including waiting periods for pre-existing conditions) and are admitted as inpatient, your test will be covered.
To support members, coverage has been temporarily expanded for chest, lung, kidney or other treatment related to COVID-19 across all levels of Hospital cover at no additional cost until 30 September 2021. 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 My Account or call us on 13 11 55.
The Australian Department of Health announced the COVID-19 vaccine will be provided at no cost to all Medicare-eligible Australians, permanent residents and temporary visa holders who are aged 16 years and older. You will not need to use your private health insurance to cover the cost of the vaccine.
For more information relating to the COVID-19 vaccine, including the Australian Government’s roll-out strategy and eligibility criteria, visit health.gov.au/initiatives-and-programs/covid-19-vaccines
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 30 September 2021. For more information please call 13 11 55.
The telehealth services that we introduced during the pandemic to help access a range of Extras services are here to stay. For more information please call 13 11 55.
Suncorp Health insurance HICAPS claims using an Apple Wallet is currently not available. Customers can continue to swipe their Suncorp Health Insurance Member Card through a HICAPS terminal to automatically process claims. Alternatively, claims can be made through Suncorp Health Online Services.
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 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 join a combined Suncorp Health Insurance Hospital & Extras policy by 11:59pm (AEST) 30 September 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 to AU$150 (inclusive of GST) for a singles policy, or AU$300 (inclusive of GST) for a couples, family or single parent family policy. The Eligible Member must maintain the Eligible Product up to the date of the Offer being 11 November 2021 for policies joined between 01 August 2021 to 31 August 2021 and 16 December 2021 for policies joined between 01 September 2021 to 30 September 2021. The Offer will be forfeited if the Eligible Member is not an active policyholder on this date.
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.