Health Insurance
Suncorp Health Insurance has flexible cover options to take the worry out of injury and illness. You can get cover for in-hospital treatments, everyday extras, or both, for a little extra peace of mind.
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?
Female 1: My most valuable thing would have to be our house.
Female 2: Probably my house.
Female 3: My apartment.
Female 4: My dog Archie.
Male 1: The most valuable thing I have would be my camera, it’s my tool for work, it’s probably the-financially the most valuable thing I have.
Male 2: My red sports car, you know, you need to have a sport car so I went out and bought that.
Female 5: The most expensive thing I own is my house, it’s a really nice house.
[On screen text]: What about your body?
Male 2: Mmm, yeah that’s super important.
Male 1: Uuumm
Male 3: That’s a very interesting question.
Female 3: I guess I picked a thing.
Female 1: It really probably, well definitely, is the most valuable thing that I have.
[One screen text]: You own your car…And protect it. You own your home…And protect it. So why not protect your body?
Male 2: It is probably the most important thing in your life but until something goes wrong you don’t really realise just how important it is.
Female 3: I would do a different drawing, I’d maybe do like muscles or something.
Male 4: I should think about that.
Male 1: You’ve only got one body.
[On screen text]: It’s your body. Protect it.
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.
Private hospital accommodation
Avoid public hospital waiting lists
Choose your specialist
New glasses
Physio & Chiro
Get a quote in 60 seconds
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.
Switching funds?
There’s no re-serving waiting periods – if you’ve already served a waiting period for equivalent services with your old fund.
Suncorp Health insurance HICAPS claims using an Apple Wallet is currently not available. Customers can continue to swipe their Suncorp Health Insurance Member Card through a HICAPS terminal to automatically process claims. Alternatively, claims can be made through Suncorp Health Online Services.
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.
Do I need private health insurance?
Suncorp Health Insurance gives you peace of mind knowing you can access private treatment in Australia when you need it, without having to join a waiting list in a public hospital. Let's say you hurt your knee playing netball and need surgery - you can find a specialist and have the surgery in a private hospital without having to serve public hospital waiting times.
If you're concerned about tax, having private hospital cover could help you avoid the Medicare Levy Surcharge at tax time if you're eligible. Find out more
Suncorp private health cover offers:
- Access to treatment in private hospitals
- Avoiding public hospital waiting lists
- Choice of which specialists treat you, when and where
- No Lifetime Health Cover Loading fees if you have Hospital Cover by July 1 following your 31st birthday
Health Insurance Articles
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* 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 AEDT 31 October 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$250 (inclusive of GST) for single policies or a maximum of AUD $400 (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 27 November 2024 for policies purchased between 03 September 2024 and 30 September 2024, and 18 December 2024 for policies purchased between 01 October 2024 and 31 October 2024. The Offer will be forfeited if the Eligible Member is not an active policyholder on this date. 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.