Health Insurance

For freelancers, sole traders and small business owners, private health insurance can be both a significant cost and a practical safeguard. Whether it’s “needed” depends on your income, health priorities and how you want to manage risks like time off work, hospital waiting lists and potential tax impacts such as the Medicare Levy Surcharge.

Many Australian freelancers and home-based businesses assume their home and contents policy will protect them if something goes wrong. In practice, business activity is often excluded, leaving owners personally exposed to medical bills, legal fees, and claims. Here’s how key covers like Public Liability, Product Liability and Professional Indemnity work, and why regular policy reviews matter.

Australian health insurers often use sign-up offers such as weeks free, account credits, cashback, rewards points and waiting period waivers to attract new members. Here’s how common offer types work, what to watch out for in the fine print, and how to judge whether a deal is worthwhile for your needs.

Health insurance sign-up offers can reduce costs or add perks, but they come with conditions. Learn the common deal types—such as free weeks, account credits, cashback, rewards, waived waiting periods, and bundling discounts—and what to check before switching.

Private health insurance can offer more choice, faster access to some treatments, and help with services Medicare doesn’t cover, but it also comes with ongoing premiums, out-of-pocket costs, and complex policy rules. Here’s a balanced look at the main pros and cons to consider.

Singles health insurance covers one person and can be arranged as Hospital-only, Extras-only, or combined cover. Here’s how the tiers work, what to check in inclusions and limits, and the key cost factors such as rebates, excess, waiting periods and Lifetime Health Cover loading.

Dental insurance in Australia is typically provided through Extras cover, helping reduce out-of-pocket costs for services from routine check-ups to major dental and orthodontics. Understanding waiting periods, annual limits, preferred provider networks and benefit types can help you compare policies and choose cover that fits your needs.

Family health insurance can bundle Hospital cover, Extras, or both under one policy for parents and dependent children. Here’s how family policies work, what to check when comparing inclusions and limits, and the key cost factors such as rebates, loading, excess and waiting periods.

A practical guide to comparing private health insurance in Australia, including hospital and extras cover, waiting periods, excess and gap costs, government incentives, and ways to review and switch policies.

A practical guide to comparing private health insurance in Australia, including waiting periods, gap costs, excess options, government incentives, and ways to review value across hundreds of policies.