Top private insurance company in Australia for students

1. Medibank: focuses on adding value to its offering. For instance, with their hospital cover, you get access to around-the-clock advice from Medibank nurses through their 24/7 Health Advice Line.
2. Bupa: offers added value products like Optional Pharmacy Saver, which gives you 20% off at National Pharmacies for beneficial medications, like medication for disease management or chronic conditions.
3. HCF: benefits include My Health Guardian chronic conditions program, telephone support from registered nurses, access to health coaches, and SMS/email reminders about screenings and GP appointments.
4. nib: offers a 30-day guarantee to new customers. If you aren’t happy with your cover and you cancel within 30 days without having lodged a claim, all your premiums will be refunded.
5. HBF: flexi options give you the freedom to update your extras cover depending on your needs. For example, with their Saver Flexi Extras you can choose four services that you’ll use most, and if your needs change, you can change your extras at any time.
6. Australian Unity: gives you the freedom to mix-and-match from their hospital and extras covers. You can also choose which health provider you want, so long as they are in private practice and recognised by Australian Unity.
7. Teachers Health: paid 90 cents in benefits for every dollar received in member contributions (2015). They focus on developing new products to provide you with more cover options, like “rehabilitation at home”.
8. GMHBA: members have access to several benefits, including the Bowel Cancer Risk Identification Program, Chronic Disease Management Program, Best Doctors Network, New Family Program, and their Midwifery Group Practice Program.
9. Defence Health: provides members discounts on prescription glasses, lenses, and frames with Defence Health’s optical network partners, as well as a 10% transition discount on the first year of your hospital cover or combined hospital and extras cover.
10. CBHS: gives you access to their Best Doctors network and their health management programs to support you in improving your health and wellbeing.