Australia private health insurance estimator
Free Australia private health insurance calculator. Estimate monthly and annual hospital and extras premiums with Lifetime Health Cover loading — community-rated, instant, private.
How to use
- Enter your age. Add your age. Because PHI is community-rated, age only affects your premium through the Lifetime Health Cover loading for joining after 31.
- Choose a cover level. Pick hospital only, hospital plus basic extras, or comprehensive (gold hospital + extras). More cover means a higher premium.
- Set who is covered and excess. Choose single, couple, family or single-parent cover and your hospital excess. A higher excess lowers your premium.
- Review your estimate. See your estimated monthly and annual premium, the typical range, and a cover-level comparison.
Features
- Community-rated model. Reflects that Australian PHI does not price on your health, so there is no smoker or health-status field — a genuine market difference.
- Lifetime Health Cover loading. Models the LHC loading that applies when you first take hospital cover after age 31, rather than age-based underwriting.
- Monthly, annual and a range. Shows both monthly and annual cost plus a low–high band for the spread between funds.
- Cover-level comparison. Compares hospital-only, hospital + extras and comprehensive cover so you can weigh the cost.
- 100% private. All maths runs in your browser. Your details are never uploaded, stored or shared.
When to use it
- Estimating hospital and extras cover before joining a fund
- Understanding the Lifetime Health Cover loading for joining later
- Comparing hospital-only vs comprehensive cover in dollars
- Deciding on cover to help avoid the Medicare Levy Surcharge
- Budgeting family private health premiums
Is it private?
Every calculation runs in your browser. Your age, household and cover details are never uploaded, stored or shared.
Frequently asked questions
Is this a real health insurance quote?
No. It is an educational estimate based on published Australian averages. Actual prices depend on the fund and product, so compare policies on privatehealth.gov.au or with funds for real quotes.
Why is there no health or smoker question?
Australian private health insurance is community-rated, so funds cannot charge you more based on your age or health at purchase. That is why those factors are deliberately absent.
What is the Lifetime Health Cover loading?
If you first take out hospital cover after 1 July following your 31st birthday, a 2% loading is added for each year you delayed, up to 70%. The age field models this loading rather than health-based pricing.
What is the Medicare Levy Surcharge?
Higher-income earners without an appropriate level of private hospital cover may pay an extra Medicare Levy Surcharge at tax time. Taking hospital cover can help avoid it — one reason many Australians hold PHI.
Do the rates stay accurate?
Premiums are reviewed regularly (typically annually), so each estimate shows its data vintage. The community-rated structure is stable.
Is my information private?
Yes. Everything runs locally in your browser with no upload, no storage and no sign-up.
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