Health Insurance

Get a Suncorp Health Insurance quote and you'll go in the draw to Win 1 of 40 $200 Virtual Visa Gift Cards.*

*Competition ends 01 July 2024. Permits: ACT TP 24/00797, SA T24/624.

Eligibility and T&Cs apply.

Get up to $600 credit plus skip the 2 & 6 month wait on Extras^

When you take out any new combined Hospital and Extras cover by 01 July 2024. 

^Available to eligible, new members. Offer fulfilled in month 3 of membership. 
Value of offer based on level of cover and plan selected.
Eligibility and T&Cs apply.

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?

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.

Hospital Cover

Cover for healthcare costs in hospitals

pencil sketch for home

Private hospital accommodation

Sketch for group in a cultural way

Avoid public hospital waiting lists

Medical instrument stethoscope sketch

Choose your specialist

Extras Cover

Cover for services you can use every day to stay healthy

Sketch for dental surgery

Dental check-ups

Optical sketch

New glasses

Pencil sketch of spine in human body

Physio & Chiro

Get a quote in 60 seconds

Get a quote

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.

Explore Health Lifestage Guide

icon - switch arrows   Switching funds?

There’s no re-serving waiting periods – if you’ve already served a waiting period for equivalent services with your old fund.

Find out more

Frequently Asked Questions

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.

Get the full picture - make sure you read the Policy Booklet

Health Insurance Articles

Showing 3 of 4 articles Showing 2 of 4 articles Showing 1 of 4 articles
Read more

We are here to help

Call us

For contact hours click here

Apply online

Get a quote and apply online in minutes.

^ This Offer is only available to new members who are Australian citizens, permanent residents of Australia, or those who are entitled to full reciprocal rights under Medicare, registered for Medicare and listed on an active Medicare card, and join an eligible combined Suncorp Health Insurance Hospital & Extras policy by 11:59pm AEST 01 July 2024. Not available to existing health insurance policy holders with nib Health Insurance, nib Overseas Students Health Insurance, nib International Workers Health Insurance, nib Corporate Private Health Insurance, GU Health Insurance, AAMI Health Insurance, Apia Health Insurance, Suncorp Health Insurance, ING Health Insurance, Priceline Health Insurance, Real Health Insurance, Seniors Health Insurance, Qantas Health Insurance, 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 a maximum of AUD $300 (inclusive of GST) for single policies and a maximum of AUD $600 (inclusive of GST) for couples, families and single-parent family policies. The Eligible Member must maintain the Eligible Product up to the date of the Offer being applied to the active policy, being 26 June 2024 for policies purchased between 03 April 2024 and 30 April 2024, 31 July 2024 for policies purchased between 01 May 2024 and 31 May 2024 and 28 August 2024 for policies purchased between 01 June 2024 and 01 July 2024. The Offer will be forfeited if the Eligible Member is not an active policyholder on this date.

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.

*This competition is only available to persons who visit and generate a quote by 11:59pm (AEST) 01/07/2024. Entry into the Competition is open only to permanent residents of Australia who are aged 18 years or over who are not a current Suncorp Health Insurance policy holder (Including Qantas Health Insurance, GU Health Insurance, Suncorp Health Insurance, AAMI Health Insurance, Apia Health Insurance, ING Health Insurance, Priceline Health Insurance, Real Health Insurance, Seniors Health Insurance, nib Health Insurance, nib International Workers Health Insurance, nib Overseas Students Health Insurance or nib Corporate Health Insurance). Max 1 entry per person. Draw: 12pm (AEST) 8/7/24, L13, 447 Collins St, Melb. VIC 3000. 40 prizes: $200 Virtual Visa Gift Card. Max 1 prize per person (except in SA). See on 08/07/24 for winners. The Promoter is nib health funds limited (ABN 83 000 124 381) and is marketed by Platform CoVentures Pty Ltd (ABN 82 626 829 623). Permits: ACT TP 24/00797, SA T24/624. The Virtual Visa Gift Card (‘Card’) is issued by Heritage and People’s Choice Limited trading as Heritage Bank ABN 11 087 651 125 (‘Heritage’) pursuant to a licence from Visa Worldwide PTE Ltd. Please visit for T&Cs. 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. Click here for a copy.