Site map
Costs, Tiers and 2026 Rules
- Extras cover explained: annual limits, benefit percentages and what Medicare skips
- Gold, Silver, Bronze and Basic hospital cover: what each tier must include
- Lifetime Health Cover loading: base day, the 2% rule and how to remove it
- Medicare Levy Surcharge thresholds 2025–26 and 2026–27, with worked examples
- Private health insurance and Medicare: how they fit together in 2026
- Private health insurance rebate 2026: tiers, percentages and how to claim
- Health insurance waiting periods and pre-existing conditions in Australia
Worked Examples and Checklists
- Choosing a hospital excess: $0, $250, $500 or $750 worked out
- How to compare private health insurance policies in Australia, step by step
- Hospital cover or pay the Medicare Levy Surcharge? Worked examples for 2026–27
- Is extras cover worth it? A calculation you can do with your own receipts
- What a Lifetime Health Cover loading costs if you join at 31, 35, 40 or 50
- Gap fees for surgery: a worked example of what you pay with private cover
- Switching health insurer without losing waiting periods: a step-by-step guide
Mistakes, Disputes and Official Sources
- Ambulance cover in Australia: what each state and territory does
- How to complain about a health insurer: the Private Health Insurance Ombudsman
- Private health cover for new migrants and Australians returning from overseas
- How to read a Private Health Information Statement, plus the official sources to check
- Private health insurance mistakes Australians make, and how to avoid them
- Public or private patient in hospital? What changes when you use your cover
- Restricted cover and exclusions: what 'covered' really means on your policy