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Health lifestyle guide

Health Insurance for families

Cover for you and your little ones

We understand that, as a parent, it’s important to make sure your family has access to quality healthcare as your children grow and go through important milestones. And we know that no two families are the same, so you’ll want to make sure you pick the right cover to best look after yours.

Choosing the right cover for your family

Whether you’re a growing family or have older children, you’ll want your Health Insurance to cover your needs, so you can stay focused on looking after those you love the most.

Gold Hospital

If you’re planning for a family

Gold Hospital offers comprehensive protection for now and in the future — giving you the choices you need to feel confident.

Get a quote

 Download PDS

Medicare Levy Surcharge

The Medicare Levy Surcharge (MLS) is a government tax on top of the normal Medicare Levy and impacts singles with a taxable income of over $90,000 or families (including couples and single-parents) with a taxable income of over $180,000 who don’t have an appropriate level of private hospital insurance for the full financial year.

Holding any Suncorp Health Insurance Hospital Cover product means you won’t pay the MLS if your income is above the government threshold and you maintain your hospital cover for the full financial year.

Read the Suncorp Health Insurance Policy Booklet for more information.

  • Choose which specialist treats you, as well as when and where.*
  • Avoid public hospital waiting lists.*
  • No hospital excess for dependents.
  • Avoid the Medicare Levy Surcharge if eligible.

Top Extras

If you want that little extra bit of cover for your family

Staying fit and active is important for your family’s wellbeing. Whether you’re running around with the kids, doing yoga or lifting weights, your body can take on a lot of stress. Adding Extras to your health cover can help keep you and your family fit and healthy.

Get a quote

 Download PDS

  • Physio, chiro and osteo cover with annual limits.
  • General dental cover.
  • Emergency Ambulance transport**.

This is just a summary. Waiting periods apply. For full details about what is and isn’t covered, read the Policy Booklet.

*Residents of QLD and TAS have ambulance services provided by their State Ambulance Schemes.

Registered as a Student Dependant

A Student Dependant is a member who is not the Policyholder or the Policyholders Partner and who: is aged between 21 up to the day before their 25th birthday, is engaged in full time study, and​​ is not married and does not have a defacto partner. This person is covered under the family’s health cover at no extra cost. When adding them to the policy you will be required to supply the name of the institution they are studying at and the expected date of graduation.

Have a young family at home?

Choosing the cover that suits you and your family’s needs depends on your current family situation. Consider the things you’ll probably need, plus any extras you may need in the future*. Having cover that’s flexible, reliable and available can help you to stress less and get on with life.

Silver Everyday Hospital Plus Cover can cover your little ones for many in-hospital costs with no excess. This can make common kids’ procedures, like tonsil or appendix removal, and ear grommets a little easier on you and your family*.

Once your kids have grown up, they can be covered by your Health Insurance policy up to the age of 25. However, they must be still studying full-time and registered as a Student Dependant. Plus, there’s no hospital excess for dependants — giving you peace of mind when you need it most.

Planning for a family with your Health Insurance

Getting your family Health Insurance sorted can help give you that little extra peace of mind during this exciting time. Having a baby is one of life’s greatest gifts, but it can also present a number of health considerations you haven’t dealt with before.

Gold Hospital Cover can help give you the choices and services you may need to make you feel comfortable, confident and secure during your pregnancy and birth*.

Health cover for you and your family

If you’re looking for private Health Insurance that suits your family, then your needs, lifestyle and budget are key factors. Families can grow and situations can change, which is why reassessing your policy as needed — both now and in the future — is important.

Pregnancy

Having a baby can be a complex and expensive process. The right level of cover can make you feel more confident about your choices, and what care and treatment options may be best for you.

Flexible

Suncorp Health Insurance can help you easily switch from another fund^ and will honour applicable waiting periods served (for equivalent services only) with a previous fund. We’ll also handle the paperwork for you.

Medicare Levy Surcharge

The Medicare Levy Surcharge (MLS) is a government tax on top of the normal Medicare Levy and impacts singles with a taxable income of over $90,000 or families (including couples and single-parents) with a taxable income of over $180,000 who don’t have an appropriate level of private hospital insurance for the full financial year.

Holding any Suncorp Health Insurance Hospital Cover product means you won’t pay the MLS if your income is above the government threshold and you maintain your hospital cover for the full financial year.

Read the Suncorp Health Insurance Policy Booklet for more information.

Tax smart

If your combined annual income is over $180,000 and you haven’t maintained private Hospital Cover for a full financial year, you’ll have to pay a Medicare Levy Surcharge to the government. That’s why it’s important to get your private Health Insurance sorted before tax time.

* Waiting periods and limits apply.

**Residents of QLD and TAS have ambulance services provided by their State Ambulance Schemes.

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. Read the policy booklet before buying this insurance.

Registered as a Student Dependant

A Student Dependant is a member who is not the Policyholder or the Policyholders Partner and who: is aged between 21 up to the day before their 25th birthday, is engaged in full time study, and​​ is not married and does not have a defacto partner. This person is covered under the family’s health cover at no extra cost. When adding them to the policy you will be required to supply the name of the institution they are studying at and the expected date of graduation.

Medicare Levy Surcharge

The Medicare Levy Surcharge (MLS) is a government tax on top of the normal Medicare Levy and impacts singles with a taxable income of over $90,000 or families (including couples and single-parents) with a taxable income of over $180,000 who don’t have an appropriate level of private hospital insurance for the full financial year.

Holding any Suncorp Health Insurance Hospital Cover product means you won’t pay the MLS if your income is above the government threshold and you maintain your hospital cover for the full financial year.

Read the Suncorp Health Insurance Policy Booklet for more information.