Products

We are the Hunter’s hidden gem.

Our products have been designed to provide great value for money.

Discover our cover options

When it comes to cover, we’ll help you cover against the unexpected with the choice of hospital, extra benefits and ambulance only cover options should you have an accident or fall ill.

Compare hospital cover options

Hospital cover is designed to help with the cost of treatment if you need to go to hospital.
We offer a range of Hospital products to choose from so you can pick the product that you think best meets your needs in the future.

Clinical category is covered on an unrestricted basis, providing cover as a private patient in a public or private hospital
Restricted benefit that provides partial cover for hospital costs as a private patient in a public hospital. You may incur significant out of pocket expenses in a private room or private hospital. Members should check with Hunter Health Insurance for details.
No coverage for these clinical categories for that product
Basic

For those who want affordable cover with just the basics covered.

This product provides just the basic cover for all hospital costs where you may incur additional fees or be happy to receive care in a public hospital.

This cover includes -

  • Brain and nervous system i
  • Eyes (not cataracts) i
  • Ear, nose and throat i
  • Tonsils, adenoids and grommets i
  • Bone, joint and muscles i
  • Joint reconstructions i
  • Kidney and bladder i
  • Male reproductive system i
  • Digestive system i
  • Hernia and appendix i
  • Gastrointestinal endoscopy i
  • Gynaecology i
  • Miscarriage and termination of pregnancy i
  • Chemotherapy, radiotherapy, and immunotherapy for cancer i
  • Skin i
  • Breast surgery (medically necessary) i
  • Diabetes management (excluding insulin pumps) i
  • Heart and vascular system i
  • Lung and chest i
  • Blood i
  • Back, neck and spine i
  • Plastic reconstructive surgery (medically necessary) i
  • Dental surgery i
  • Podiatric surgery (provided by a registered podiatric surgeon) i
  • Implantation of hearing devices i
  • Rehabilitation i
  • Hospital psychiatric services i
  • Palliative Care i
  • Cataracts i
  • Joint replacements i
  • Dialysis for chronic kidney failure i
  • Pregnancy and birth i
  • Assisted reproductive services i
  • Weight loss surgery i
  • Insulin pumps i
  • Pain management i
  • Pain management with device i
  • Sleep studies i
Bronze Plus Smart

For those who are not planning to start a family, and don’t want to pay for benefits they will never use.

This product is the smart choice for those who are not looking for Pregnancy cover but require cover for some of the basics. This cover is only available for Singles.

This cover includes -

  • Brain and nervous system i
  • Eyes (not cataracts) i
  • Ear, nose and throat i
  • Tonsils, adenoids and grommets i
  • Bone, joint and muscles i
  • Joint reconstructions i
  • Kidney and bladder i
  • Male reproductive system i
  • Digestive system i
  • Hernia and appendix i
  • Gastrointestinal endoscopy i
  • Gynaecology i
  • Miscarriage and termination of pregnancy i
  • Chemotherapy, radiotherapy, and immunotherapy for cancer i
  • Skin i
  • Breast surgery (medically necessary) i
  • Diabetes management (excluding insulin pumps) i
  • Heart and vascular system i
  • Lung and chest i
  • Blood i
  • Back, neck and spine i
  • Plastic reconstructive surgery (medically necessary) i
  • Dental surgery i
  • Podiatric surgery (provided by a registered podiatric surgeon) i
  • Implantation of hearing devices i
  • Rehabilitation i
  • Hospital psychiatric services i
  • Palliative Care i
  • Cataracts i
  • Joint replacements i
  • Dialysis for chronic kidney failure i
  • Pregnancy and birth i
  • Assisted reproductive services i
  • Weight loss surgery i
  • Insulin pumps i
  • Pain management i
  • Pain management with device i
  • Sleep studies i
Silver Plus Thrifty

For first timers who want to be covered for a bit more than the basics.

This product is an affordable option for those who do not require Pregnancy cover or some of the major surgeries like Joint Replacements.

This cover includes -

  • Brain and nervous system i
  • Eyes (not cataracts) i
  • Ear, nose and throat i
  • Tonsils, adenoids and grommets i
  • Bone, joint and muscles i
  • Joint reconstructions i
  • Kidney and bladder i
  • Male reproductive system i
  • Digestive system i
  • Hernia and appendix i
  • Gastrointestinal endoscopy i
  • Gynaecology i
  • Miscarriage and termination of pregnancy i
  • Chemotherapy, radiotherapy, and immunotherapy for cancer i
  • Skin i
  • Breast surgery (medically necessary) i
  • Diabetes management (excluding insulin pumps) i
  • Heart and vascular system i
  • Lung and chest i
  • Blood i
  • Back, neck and spine i
  • Plastic reconstructive surgery (medically necessary) i
  • Dental surgery i
  • Podiatric surgery (provided by a registered podiatric surgeon) i
  • Implantation of hearing devices i
  • Rehabilitation i
  • Hospital psychiatric services i
  • Palliative Care i
  • Cataracts i
  • Joint replacements i
  • Dialysis for chronic kidney failure i
  • Pregnancy and birth i
  • Assisted reproductive services i
  • Weight loss surgery i
  • Insulin pumps i
  • Pain management i
  • Pain management with device i
  • Sleep studies i
Silver Plus Young

For young families or individuals wanting to save money in exchange for a lower premium.

This product is ideal for those looking for standard hospital cover including Pregnancy, but not some of the major surgeries such as Joint Replacement.

This cover includes -

  • Brain and nervous system i
  • Eyes (not cataracts) i
  • Ear, nose and throat i
  • Tonsils, adenoids and grommets i
  • Bone, joint and muscles i
  • Joint reconstructions i
  • Kidney and bladder i
  • Male reproductive system i
  • Digestive system i
  • Hernia and appendix i
  • Gastrointestinal endoscopy i
  • Gynaecology i
  • Miscarriage and termination of pregnancy i
  • Chemotherapy, radiotherapy, and immunotherapy for cancer i
  • Skin i
  • Breast surgery (medically necessary) i
  • Diabetes management (excluding insulin pumps) i
  • Heart and vascular system i
  • Lung and chest i
  • Blood i
  • Back, neck and spine i
  • Plastic reconstructive surgery (medically necessary) i
  • Dental surgery i
  • Podiatric surgery (provided by a registered podiatric surgeon) i
  • Implantation of hearing devices i
  • Rehabilitation i
  • Hospital psychiatric services i
  • Palliative Care i
  • Cataracts i
  • Joint replacements i
  • Dialysis for chronic kidney failure i
  • Pregnancy and birth i
  • Assisted reproductive services i
  • Weight loss surgery i
  • Insulin pumps i
  • Pain management i
  • Pain management with device i
  • Sleep studies i
Silver Plus

For those who want the highest level of cover while feeling the benefit of great value and saving money.

This product is ideal for those who are looking to be covered for almost everything from cataracts to hearing devices

This cover includes -

  • Brain and nervous system i
  • Eyes (not cataracts) i
  • Ear, nose and throat i
  • Tonsils, adenoids and grommets i
  • Bone, joint and muscles i
  • Joint reconstructions i
  • Kidney and bladder i
  • Male reproductive system i
  • Digestive system i
  • Hernia and appendix i
  • Gastrointestinal endoscopy i
  • Gynaecology i
  • Miscarriage and termination of pregnancy i
  • Chemotherapy, radiotherapy, and immunotherapy for cancer i
  • Skin i
  • Breast surgery (medically necessary) i
  • Diabetes management (excluding insulin pumps) i
  • Heart and vascular system i
  • Lung and chest i
  • Blood i
  • Back, neck and spine i
  • Plastic reconstructive surgery (medically necessary) i
  • Dental surgery i
  • Podiatric surgery (provided by a registered podiatric surgeon) i
  • Implantation of hearing devices i
  • Rehabilitation i
  • Hospital psychiatric services i
  • Palliative Care i
  • Cataracts i
  • Joint replacements i
  • Dialysis for chronic kidney failure i
  • Pregnancy and birth i
  • Assisted reproductive services i
  • Weight loss surgery i
  • Insulin pumps i
  • Pain management i
  • Pain management with device i
  • Sleep studies i
Find the right quote for you

Extras cover

Extras cover is the perfect product to help you meet the cost of items such as optical, dental, physiotherapy or chiropractic treatment.
Extras are a great way to supplement your hospital cover, and we have some great packages to choose from which complement any of our hospital covers.

Ideal Extras

This product is for those looking for the everyday benefits.

 

Benefits include -

Dental

  • Periodical oral examination i
  • Scale and clean i
  • Fluoride Treatment i
  • Surgical tooth extraction i
  • Direct fillings 1-3 surfaces posterior i
  • Indirect fillings 1-4 surfaces metallic i
  • Root canals i
  • Crowns and Bridges i
  • Dentures i
  • Orthodontics i

Optical

  • Frame and Lens – single vision i
  • Frame and Lens – Multi-focal i
  • Contact Lens (dependant on type) i

Non-PBS Pharmaceuticals

  • Per eligible script i

Therapies

  • Physiotherapy i
  • Chiropractic i
  • Podiatry i
  • Psychology i
  • Acupuncture i
  • Remedial Massage i

Hearing Aids

  • One appliance and services i

Artificial Aids

  • One appliance and services i

Health Management

  • Weight Management, First Aid, Stop smoking, etc i
Healthy Extras

Everyday Extras for the Young Family

Benefits include -

Dental

  • Periodical oral examination i
  • Scale and clean i
  • Fluoride Treatment i
  • Surgical tooth extraction i
  • Direct fillings 1-3 surfaces posterior i
  • Indirect fillings 1-4 surfaces metallic i
  • Root canals i
  • Crowns and Bridges i
  • Dentures i
  • Orthodontics i

Optical

  • Frame and Lens - single vision i
  • Frame and Lens - Multi-focal i
  • Contact Lens (dependant on type) i

Non-PBS Pharmaceuticals

  • Per eligible script i

Therapies

  • Physiotherapy i
  • Chiropractic i
  • Podiatry i
  • Psychology i
  • Acupuncture i
  • Remedial Massage i

Hearing Aids

  • One appliance and services i

Artificial Aids

  • One appliance and services i

Health Management

  • Weight Management, First Aid, Stop smoking, etc i
Classic Extras

This product is ideal for those who want all the basics covered.

 

Benefits include -

Dental

  • Periodical oral examination i
  • Scale and clean i
  • Fluoride Treatment i
  • Surgical tooth extraction i
  • Direct fillings 1-3 surfaces posterior i
  • Indirect fillings 1-4 surfaces metallic i
  • Root canals i
  • Crowns and Bridges i
  • Dentures i
  • Orthodontics i

Optical

  • Frame and Lens – single vision i
  • Frame and Lens – Multi-focal i
  • Contact Lens (dependant on type) i

Non-PBS Pharmaceuticals

  • Per eligible script i

Therapies

  • Physiotherapy i
  • Chiropractic i
  • Podiatry i
  • Psychology i
  • Acupuncture i
  • Remedial Massage i

Hearing Aids

  • One appliance and services i

Artificial Aids

  • One appliance and services i

Health Management

  • Weight Management, First Aid, Stop smoking, etc i
Optimum Extras

This product is ideal for those looking to optimise their extras.

 

Benefits include -

Dental

  • Periodical oral examination i
  • Scale and clean i
  • Fluoride Treatment i
  • Surgical tooth extraction i
  • Direct fillings 1-3 surfaces posterior i
  • Indirect fillings 1-4 surfaces metallic i
  • Root canals i
  • Crowns and Bridges i
  • Dentures i
  • Orthodontics i

Optical

  • Frame and Lens – single vision i
  • Frame and Lens – Multi-focal i
  • Contact Lens (dependant on type) i

Non-PBS Pharmaceuticals

  • Per eligible script i

Therapies

  • Physiotherapy i
  • Chiropractic i
  • Podiatry i
  • Psychology i
  • Acupuncture i
  • Remedial Massage i

Hearing Aids

  • One appliance and services i

Artificial Aids

  • One appliance and services i

Health Management

  • Weight Management, First Aid, Stop smoking, etc i
Elite Extras

This product is ideal for those looking for an extensive range of healthcare benefits.

 

Benefits include -

Dental

  • Periodical oral examination i
  • Scale and clean i
  • Fluoride Treatment i
  • Surgical tooth extraction i
  • Direct fillings 1-3 surfaces posterior i
  • Indirect fillings 1-4 surfaces metallic i
  • Root canals i
  • Crowns and Bridges i
  • Dentures i
  • Orthodontics i

Optical

  • Frame and Lens - single vision i
  • Frame and Lens - Multi-focal i
  • Contact Lens (dependant on type) i

Non-PBS Pharmaceuticals

  • Per eligible script i

Therapies

  • Physiotherapy i
  • Chiropractic i
  • Podiatry i
  • Psychology i
  • Acupuncture i
  • Remedial Massage i

Hearing Aids

  • One appliance and services i

Artificial Aids

  • One appliance and services i

Health Management

  • Weight Management, First Aid, Stop smoking, etc i
Find the right quote for you

Ambulance cover

Ambulance cover helps with the costs incurred when being treated by paramedics and transported in ambulances.

Ambulance cover

Ambulance cover helps with the costs incurred when being treated by paramedics and transported in ambulances.

It is advised that everyone in Australia has Ambulance Cover, as it is not covered under Medicare. Ambulance Only cover will give you the peace of mind to know you will avoid potentially thousands of dollars’ worth of ambulance bills.

With Hunter Health Insurance Ambulance only cover, benefit is only paid where the service is provided by a State Government Service, or an organisation recognised by HHI. That includes the cost of emergency or ambulance service that is also contracted to a States Ambulance services.

We offer 6 months or 12 months cover to add on to your hospital cover or to have as stand alone.

Who is covered?

Family Cover entitles benefits to the person whose names appear on the HHI Ambulance Cover membership, their spouse or co-habiting partner, and the children or dependents under 21 years, or under 25 years if they are a full-time student.

Single cover entitles benefits to the person whose name appears on the Ambulance Cover membership.

When does it start?

For accident or emergency cases, Ambulance Cover commences immediately.

A 7-day waiting period applies before a member becomes entitled to benefits. Persons transferring from another health insurers ambulance cover or changes in membership (e.g. single to family) receive immediate cover.

What is and is not covered?

All emergency services provided by the State Government ambulance transport scheme or their contracted service providers are covered in the following circumstances

  • All services must be medically justified.
  • Where it is medically necessary to be admitted to hospital.
  • Emergency call out to your home even if you are not subsequently admitted to hospital.

Our Ambulance cover does not provide benefits when

  • Ambulance transport involving patient movement between hospitals (Patient Transport).
  • Transport to and from hospital when it is not medically necessary and alternative transport is available e.g., taxi, motor vehicle.
  • Transport to places including outpatient departments, day centre when the services are not deemed necessary by a medical practitioner.

Things to remember

  • Ambulance services are funded differently in some States.
  • In NSW and the ACT, cover is provided through an ambulance levy which is included in some hospital premiums. Nevertheless, cover under this scheme does not cover all Australian states. Residents in other states should check their home state ambulance services for coverage and services, Alternative contact us at Hunter Health Insurance for your individual consultation.
  • As well, some people who receive a Government pension or social security entitlement may also be covered for ambulance services.
  • The Federal Government rebate on private health insurance also applies to ambulance cover. Find out more about rebates here
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Hear what our members have to say

As the Hunter’s first not-for-profit health insurer, we started by serving those in the community most in need — miners and their families.

Stewart

“My family has been with HHI since the beginning & we’ve never had any issues or problems. We like that they’re a not for profit, and community minded. In comparison to other funds, I believe Hunter Health Insurance to be the best value in both member contributions and benefit claims.”

Tracey

“My husband and I are in our 30’s and shopped around for the best health cover. And given we have a newborn baby, health cover was more important than ever. We are delighted with HHI. Their contribution rates are very reasonable, and their service and benefits are reliable.”

Shirley

“My husband was hospitalised and we never saw a bill!
Hunter Health Insurance looked after paying for everything, promptly and efficiently. We were previously with another health fund and now we enjoy the same cover for 20% less contributions!
Doesn’t get much better than that!”

Joy

“I believe Hunter Health Insurance is a marvellous fund. I was in hospital recently for a hip replacement and it didn’t cost me a penny – Hunter Health Insurance paid every bill very quickly.”

Gwen

“My husband and I have recommended Hunter Health Insurance to family and friends for years. We have Silver Plus cover and when my husband spent some time in hospital, the bill was immediately paid by Hunter Health Insurance without fuss.”

Trevor & Norma

“We are very happy with Hunter Health Insurance and wouldn’t dream of going to another health fund. They’re friendly and their contribution rates are very competitive.”