Hunter Health Insurance Covering 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
Paying For Cover That Doesn’t Quite Fit?
With a range of different policies available, you can choose the right level of cover to suit your life.
Not sure if your health insurance is the right fit? Call or visit us today and have a chat with our local, expert team to make sure you’ve got the right cover to suit your lifestyle or compare health insurance plans online instantly.
New Member Newsletter Released
Our December 2025 newsletter is now out! In this issue, you’ll find helpful information on Kieser physiotherapy and what you may be eligible to claim as a Hunter Health Insurance member.
This edition also includes some of the ways we are proud to support our community such as partnering with not-for-profit charity Little Wings and stepping up for heart health.
Love your smile with no annual limit on general dental1
Plus two gap-free dental check-ups each year
with Hunter and Premium Extras2
1. Members can claim a fixed rebate an unlimited number of times on selected dental item numbers for fillings, surgical tooth extraction and root canal at any dentist in Australia. If your preferred dentist charges above this amount, an out-of-pocket fee will be incurred.
2. Gap free preventative dental covers periodical oral examinations and scale and clean treatments twice annually.
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.
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
