Australia health insurers

Medibank is one of Australia's largest private health insurers, ASX-listed and covering several million members nationwide, with a large Members' Choice agreement-hospital network. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Bupa Australia is one of the country's two largest private health funds, part of the global Bupa group, offering hospital and extras cover with a broad agreement-hospital network. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Australian Unity is a member-owned mutual offering private health insurance alongside its wealth and care services. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

CBHS Health is a restricted-membership not-for-profit fund founded for the Commonwealth Bank Group community — current and former employees and their families. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Defence Health is a restricted-membership not-for-profit fund for the Australian Defence community — serving and former ADF members, Defence employees and contractors, and their relatives. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

GMHBA is a Geelong-based not-for-profit private health insurer, founded by local cement workers and now serving members nationally. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

HBF is a major not-for-profit health insurer founded in Western Australia, where it is the largest fund, and serving members nationally. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

HCF is Australia's largest not-for-profit private health insurer, with close to 1.8 million members. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

nib is an ASX-listed health insurer headquartered in Newcastle, covering members across Australia and New Zealand. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.

Teachers Health, established in 1954, is Australia's largest industry-based health fund — a restricted fund for the education community and their families, covering more than 300,000 lives. Coverage for inpatient rehabilitation, outpatient therapy, home-based care, equipment, and medicines varies by plan and clinical documentation. Pre-approval is commonly required for higher-cost recovery care such as inpatient rehab and specialised equipment.