Hunter Health InsuranceCovering the community since 1952
Hunter Health Insurance –
Local, Member-Owned Private Health Insurance
With a range of Hospital, Extras, Ambulance-Only and Combined policy options available, you can find the right level of health cover for your needs. As a local, not-for-profit health insurer, we’re able to provide competitive private health cover backed by a knowledgeable, local support team.
Why choose Hunter Health Insurance?
Based in the Hunter region for over 70 years, we are one of the Hunter region’s first not-for-profit health insurers. Dedicated to supporting and improving the health and wellbeing of our members and our community.
We are proud of what we do, where we do it and who we do it for.
- Not-for-profit insurer covering the community for over 70 years
- Supported by our local, knowledgeable team at our Hunter Valley branch – no call centre queues
- Choose your doctor, dentist, or other medical practitioner – you are not limited to a preferred network
- Easy online claim portal or in-person
- Competitive benefit limits to reduce out-of-pocket expenses
Switching insurers has never been so easy
30 day cooling off period
Sign up within minutes
We’ll do the paperwork
Maximise Your Health Benefits
Get 4 weeks free or $200 cashback
Take up an eligible Hunter Health Insurance policy and receive 4 weeks free cover or $200 cashback. Simply commence a new Hospital private health insurance policy or combined Hospital and Extras cover before 30 April 2025 to redeem this offer.
Get a quote online in minutes – no registration needed!
Health insurance that puts you first
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Expect the Unexpected.
Ambulance-only cover with HHI for as little as $1.24* per week means you are prepared for the unexpected and can focus on what matters most.
Get covered today!
Premiums payable 6 monthly or annually. 7 day waiting period applies to new cover. Weekly cost based on single policy with base tier government rebate. Ambulance costs based on information published by Ambulance NSW. NSW residents are charged 51% of the actual cost of service. From 1 July 2021 a minimum of $415 will be charged for a call-out fee, plus $3.74 per kilometre from the ambulance station to your pick-up address, to the destination and back to the ambulance station. The maximum amount you can expect to pay is $5,797. Exemptions apply for some people (e.g. Pensioner Concession Card holders) — see Ambulance NSW for details.
Refer a friend and you get 4 weeks free cover
Refer a friend or family member to Hunter Health Insurance (HHI) and you will receive 4 weeks free cover once your referred member has held a hospital-level policy with HHI for two (2) consecutive months.
PLUS if your friend adds any extras package, we’ll waive their usual 2 and 6 month waiting periods! Terms and conditions apply.
Extras cover you can use!
Our Hunter extras policy includes a range of useable benefits:
- Two gap-free preventative dental visits per year (1)
- Claim up to $700 back on physiotherapy
- Claim up to $480 combined on other therapies such as chiropractic, remedial massage, podiatry and more
- 100% back on optical up to $299 including contact lenses and prescription sunglasses
- Up to 100% back on wellbeing programs like the CSIRO Total Wellbeing Diet (2)
1. For approved item numbers only
2. When referred by your GP as part of your overall health plan
Hear from Our Members
As one of the Hunter’s first not-for-profit health insurers, we’ve been supporting the local community for over 70 years. As a member-owned fund, our mission is to support our members and to contribute positively to the health needs of our local communities.
“My husband and I are in our 30s and now have a newborn. We shopped around for the best health cover. We are delighted with HHI. Their contribution rates are very reasonable, and their service and benefits are reliable.”
– Tracey
“We have recommended HHI 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 HHI without fuss.”
– Gwen
“We are very happy with HHI and wouldn’t dream of going to another health fund. They’re friendly and their contribution rates are very competitive.”
– Trevor
Comprehensive Coverage
for Individuals, Couples or Families
Comprehensive health insurance provides extensive coverage for individuals, couples or families, providing financial support and peace of mind when you need it most.
Hospital cover helps to provide greater flexibility for you to choose your operating doctor or specialist when being treated in hospital. Whether you’re after an affordable hospital policy for basic cover or comprehensive hospital cover, we have a range of policies for you to choose the best cover for your needs.
Extras cover extends to other health services outside of hospital cover, otherwise known as ancillary cover. This may include services such as general dental, major dental, optical, physio, other natural therapies like chiropractic, remedial massage, acupuncture and more. Under our Hunter and Premium extras policies, members are entitled to two no-gap preventative dental visits.
Looking for only Hospital cover or only Extras cover? No problem! At Hunter Health Insurance, you can take out Hospital only or Extras only cover so that you’re only paying for what you need. We also have combined policy options available for individuals, couples or families seeking comprehensive cover for both hospital and extras.
Find a cover that suits your needs
With a range of different policies available, you can choose the best level of cover to suit your needs. Whether you’re looking for ambulance only cover, hospital cover, extras only or a combined policy, we’ve got you covered.
- Hospital cover
- Extras cover
- Ambulance only
