Health insurance

Our survey of health insurance providers took place in January/February 2023. Monthly premiums are for non-smokers with no pre-existing conditions. Where applicable discounts have been applied for direct debit payments, non-smoker discounts, or discounts for joining healthy living or lifestyle programmes.

n/a = not applicable.

Insurance type

Financial strength

Phone

Cooling-off period

Hospital surgical

Hospital medical

Specialist consultations associated with hospitalisation

Specialist consultations not associated with hospitalisation

Major diagnostics associated with hospitalisation

Major diagnostics not associated with hospitalisation

Oral surgery

Minor surgery

Pharmaceuticals

Physiotherapy after being discharged

Post-op home nursing

Overseas treatment

Travel and accommodation benefit

Public hospital benefit

Funeral benefit

Allergy (ie desensitisation or testing)

Dementia

Infertility

Mental health

Obesity

Pregnancy

Vision correction

Other

Claims paid to premiums collected

Satisfaction