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Let's find the right health insurance for you

Tell us a bit about yourself and we'll help you find the cover that suits you best. Here's a few things to know:

2-3 minutes

It only takes around 2 - 3 minutes to find the right cover for you.

Your details

We'll ask you some simple questions about your health needs.

Affordable cover

Based on what you tell us, we'll always suggest the lowest cost cover.

What matters most to you?

If you tell us what's important to you, it'll help us figure out your best health insurance match.

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Please select an option below that best meets your needs

For tax reasons

Planning a baby

Common procedures for people my age

I want the lowest cost cover

I want peace of mind

I want to check I am on the right level of cover

I need cover for a specific condition

I want the top level of cover

Who do you want to cover?

Whether its for the whole family, or just for you - we've got you covered.

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Please select an option below that best describes who will be covered

Just me

Me and my partner

Me, my partner and my child(ren)

Me and my child(ren)

How old are you?

Don't worry, we won't tell! Your age helps us figure out what cover could be the most valuable to you.

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Please select an option below that best describes your current age

<30

30s

40s

50s

60+

Choose at least 3 Extras to match your lifestyle

Pick the health services you'd use the most.

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Please select at least 3 Extras services from the list below. Please select at least more Extras services from the list below.
Otherwise, if you're not interested in Extras cover, you can skip Extras cover.

Extras categories sorted by most popular for your age group

Preventative Dental

General Restorative Dental

Major Dental and Implants

Orthodontics

Optical

Physiotherapy

Chiropractic

Osteopathy

Urgent Ambulance

Healthy Living Programs

Pharmaceuticals (non PBS)

Podiatry

Remedial Massage

Appliances, Prostheses and Aids

Hearing Aids

Eye Therapy

Occupational Therapy

Speech Therapy

Dietetics and Nutrition

Natural Therapies

Exercise Physiology

Psychology

Preventative Dental

General Restorative Dental

Optical

Physiotherapy

Chiropractic

Podiatry

Pharmaceuticals (non PBS)

Major Dental and Implants

Remedial Massage

Orthodontics

Urgent Ambulance

Speech Therapy

Occupational Therapy

Natural Therapies

Osteopathy

Healthy Living Programs

Appliances, Prostheses and Aids

Dietetics and Nutrition

Exercise Physiology

Hearing Aids

Eye Therapy

Psychology

Preventative Dental

General Restorative Dental

Optical

Physiotherapy

Chiropractic

Remedial Massage

Major Dental and Implants

Pharmaceuticals (non PBS)

Podiatry

Urgent Ambulance

Natural Therapies

Osteopathy

Occupational Therapy

Appliances, Prostheses and Aids

Orthodontics

Dietetics and Nutrition

Healthy Living Programs

Speech Therapy

Exercise Physiology

Hearing Aids

Eye Therapy

Psychology

Preventative Dental

General Restorative Dental

Optical

Physiotherapy

Chiropractic

Major Dental and Implants

Pharmaceuticals (non PBS)

Remedial Massage

Podiatry

Urgent Ambulance

Natural Therapies

Osteopathy

Appliances, Prostheses and Aids

Occupational Therapy

Orthodontics

Dietetics and Nutrition

Healthy Living Programs

Speech Therapy

Exercise Physiology

Hearing Aids

Eye Therapy

Psychology

Preventative Dental

General Restorative Dental

Optical

Physiotherapy

Major Dental and Implants

Chiropractic

Pharmaceuticals (non PBS)

Podiatry

Remedial Massage

Urgent Ambulance

Natural Therapies

Appliances, Prostheses and Aids

Osteopathy

Occupational Therapy

Orthodontics

Dietetics and Nutrition

Healthy Living Programs

Hearing Aids

Exercise Physiology

Speech Therapy

Eye Therapy

Psychology

Preventative Dental

General Restorative Dental

Optical

Major Dental and Implants

Physiotherapy

Podiatry

Pharmaceuticals (non PBS)

Chiropractic

Urgent Ambulance

Appliances, Prostheses and Aids

Remedial Massage

Hearing Aids

Occupational Therapy

Natural Therapies

Healthy Living Programs

Orthodontics

Osteopathy

Dietetics and Nutrition

Exercise Physiology

Speech Therapy

Eye Therapy

Psychology

What hospital services do you want covered?

You might just want the basics, or you might need specialised cover for major events.

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Please select an option below that best describes your need for hospital insurance
Otherwise, if you're not interested in Hospital cover, you can skip Hospital cover.

I just want the basics

I want cover for the most common procedures in my age group

I want cover for the heart and vascular system

I'm planning a pregnancy, or may need fertility support

I might need a joint replacement soon

I'm considering weight loss surgery

I might need cataract surgery soon

I need cover for a specific condition

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Please select an option below that best describes your need for hospital insurance
Otherwise, if you're not interested in Hospital cover, you can skip Hospital cover.

What conditions do you need cover for?

Select the options that best reflect your health needs.

Dental surgery

In-hospital surgery for teeth and gums - such as wisdom teeth removal.

Tonsils, adenoids and grommets

Treatment of tonsils and adenoids, as well as insertion and removal of grommets.

Gastrointestinal endoscopy

Diagnosis, investigation and treatment of internal gastrointestinal systems - such as colonoscopy.

Pregnancy and birth

Pregnancy and child birth cover, including treatment of related conditions.

Joint reconstructions

Surgery for joint reconstruction, such as tendon or ligament repair.

Ear, nose and throat

Treatment of conditions affecting the ear, nose, throat and related areas - such as sinus surgery.

Bone, joint and muscle

Treatment of diseases, disorders and injuries affecting the musculoskeletal system.

Gynaecology

Investigation and treatment of the female reproductive system - such as endometriosis.

Hospital psychiatric services

In-hospital care for patients with psychiatric, mental, addiction or behavioural disorders.

Skin

Treatment of conditions relating to the skin and nails, such as melanoma removal.

Male reproductive system

Investigation and treatment of the male reproductive system - such as sterilisation.

Sleep studies

Investigation of sleep issues - such as sleep apnoea and snoring.

Plastic and reconstructive surgery (medically necessary)

Treatment of physical deformity deemed medically necessary, such as skin grafts for a severe burn.

Digestive system

Treatment of conditions affecting the digestive system - such as gall stones.

Hernia and appendix

Investigation and treatment (including surgery) of a hernia or appendicitis.

Kidney and bladder

Treatment of the kidney, adrenal gland and bladder - such as kidney stones.

Weight loss surgery

Surgery designed to reduce a person's weight and remove excess skin - such as gastric banding.

Eye (not cataracts)

Investigation and treatment of eye and eye socket conditions - such as eye infections.

Breast surgery (medically necessary)

Treatment of breast disorders, as well as medically necessary reconstructions or reductions.

Assisted reproductive services

Inpatient fertility treatments, such as IVF and retrieval of eggs or sperm.

Brain and nervous system

Investigation and treatment of the brain, spinal cord and peripheral nervous system.

Miscarriage and pregnancy termination

Investigation and treatment of miscarriage or pregnancy termination.

Chemotherapy, radiotherapy and immunotherapy for cancer

Treatment of cancer or benign tumours, such as chemotherapy for breast cancer.

Heart and vascular system

Investigation and treatment of the heart and related conditions - such as a heart attack.

Pain Management

Pain treatment without a devices, such as such as a nerve block injection.

Lung and chest

Investigation and treatment of chest conditions such as lung cancer and asthma.

Rehabilitation

Rehabilitation services at a hospital or day facility - like physical therapy.

Joint replacements

Partial or total joint replacement surgery, such as a knee replacement.

Pain management with device

Pain treatment using a device (including implantation and replacement).

Diabetes management (excl. insulin pumps)

Investigation and management of diabetes, such as stablilisation of hypo glycaemia.

Back, neck and spine

Investigation and treatment of conditions affecting the back, such as scoliosis or sciatica.

Implantation of hearing devices

Treatment for hearing loss, including implantation of prosthetic hearing devices.

Cataracts

Surgical removal of cataracts and replacement with an artificial lens.

Blood

Investigation and treatment of blood-related conditions, such as bone marrow transplants.

Palliative Care

Treatments to improve the quality of life for patients with a terminal illness.

Podiatric surgery

Cover for treatments affecting the feet and ankles - such as in-grown toenails.

Insulin pumps

Supply and replacement of an insulin pump for treatment of diabetes.

Dialysis for chronic kidney failure

In-hospital dialysis treatment - such as haemodialysis. Please note that while dialysis for a chronic kidney condition is an included service, this treatment can only be obtained as a private patient in a public hospital as no Member Plus hospitals currently offer this treatment. Waiting periods may apply before benefits are payable.

Pregnancy and birth

Pregnancy and child birth cover, including treatment of related conditions.

Gastrointestinal endoscopy

Diagnosis, investigation and treatment of internal gastrointestinal systems - such as colonoscopy.

Gynaecology

Investigation and treatment of the female reproductive system - such as endometriosis.

Assisted reproductive services

Inpatient fertility treatments, such as IVF and retrieval of eggs or sperm.

Joint reconstructions

Surgery for joint reconstruction, such as tendon or ligament repair.

Digestive system

Treatment of conditions affecting the digestive system - such as gall stones.

Bone, joint and muscle

Treatment of diseases, disorders and injuries affecting the musculoskeletal system.

Dental surgery

In-hospital surgery for teeth and gums - such as wisdom teeth removal.

Skin

Treatment of conditions relating to the skin and nails, such as melanoma removal.

Weight loss surgery

Surgery designed to reduce a person's weight and remove excess skin - such as gastric banding.

Ear, nose and throat

Treatment of conditions affecting the ear, nose, throat and related areas - such as sinus surgery.

Male reproductive system

Investigation and treatment of the male reproductive system - such as sterilisation.

Miscarriage and pregnancy termination

Investigation and treatment of miscarriage or pregnancy termination.

Hospital psychiatric services

In-hospital care for patients with psychiatric, mental, addiction or behavioural disorders.

Sleep studies

Investigation of sleep issues - such as sleep apnoea and snoring.

Breast surgery (medically necessary)

Treatment of breast disorders, as well as medically necessary reconstructions or reductions.

Kidney and bladder

Treatment of the kidney, adrenal gland and bladder - such as kidney stones.

Plastic and reconstructive surgery (medically necessary)

Treatment of physical deformity deemed medically necessary, such as skin grafts for a severe burn.

Hernia and appendix

Investigation and treatment (including surgery) of a hernia or appendicitis.

Brain and nervous system

Investigation and treatment of the brain, spinal cord and peripheral nervous system.

Chemotherapy, radiotherapy and immunotherapy for cancer

Treatment of cancer or benign tumours, such as chemotherapy for breast cancer.

Heart and vascular system

Investigation and treatment of the heart and related conditions - such as a heart attack.

Tonsils, adenoids and grommets

Treatment of tonsils and adenoids, as well as insertion and removal of grommets.

Pain Management

Pain treatment without a devices, such as such as a nerve block injection.

Eye (not cataracts)

Investigation and treatment of eye and eye socket conditions - such as eye infections.

Lung and chest

Investigation and treatment of chest conditions such as lung cancer and asthma.

Joint replacements

Partial or total joint replacement surgery, such as a knee replacement.

Rehabilitation

Rehabilitation services at a hospital or day facility - like physical therapy.

Pain management with device

Pain treatment using a device (including implantation and replacement).

Cataracts

Surgical removal of cataracts and replacement with an artificial lens.

Palliative Care

Treatments to improve the quality of life for patients with a terminal illness.

Blood

Investigation and treatment of blood-related conditions, such as bone marrow transplants.

Back, neck and spine

Investigation and treatment of conditions affecting the back, such as scoliosis or sciatica.

Diabetes management (excl. insulin pumps)

Investigation and management of diabetes, such as stablilisation of hypo glycaemia.

Dialysis for chronic kidney failure

Implantation of hearing devices

Treatment for hearing loss, including implantation of prosthetic hearing devices.

Podiatric surgery

Cover for treatments affecting the feet and ankles - such as in-grown toenails.

Insulin pumps

Supply and replacement of an insulin pump for treatment of diabetes.

Gastrointestinal endoscopy

Diagnosis, investigation and treatment of internal gastrointestinal systems - such as colonoscopy.

Gynaecology

Investigation and treatment of the female reproductive system - such as endometriosis.

Joint reconstructions

Surgery for joint reconstruction, such as tendon or ligament repair.

Digestive system

Treatment of conditions affecting the digestive system - such as gall stones.

Skin

Treatment of conditions relating to the skin and nails, such as melanoma removal.

Bone, joint and muscle

Treatment of diseases, disorders and injuries affecting the musculoskeletal system.

Weight loss surgery

Surgery designed to reduce a person's weight and remove excess skin - such as gastric banding.

Kidney and bladd