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A plain-English read on every major Australian fund: what they cover, what they charge, and what members actually say.
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Written from the PDS, not the brochure
Health insurance premium increases by fund: every insurer's 2026 and 2025 average
The 4.41% average rise on 1 April 2026 split by insurer: all 35 funds in the government's list, 2025 and 2026, the brands behind each, and the cost in dollars.
AIA Health insurance: who owns it, and what changed for Vitality members in 2026
AIA Health returns 90.4% of contributions as benefits but draws 1.6% of complaints on a 0.5% share. What the April 2026 Vitality change is worth in dollars.
Frank health insurance: who really insures you, and what it costs in 2026
Frank is a brand of GMHBA Limited, not a separate insurer. Its 2026 rise was 1.98% against a 4.41% average. What Frank covers, pays and leaves out, dated.
GMHBA health insurance: the lowest 2026 rise, and what else the figures show
GMHBA raised premiums an average 1.98% in 2026, under half the 4.41% industry figure. What GMHBA cover costs, pays and leaves out, each figure dated.
Health Partners health insurance: is it only for South Australians?
Health Partners covers 91.0% of hospital charges and keeps 88.7% of members, above industry. Cover is Australia-wide; its clinics are SA-only. Figures dated.
Westfund health insurance: 2026 prices, cover and the record behind it
Westfund keeps 86.3% of hospital members against an 85.0% industry figure. Its 2026 prices, ambulance and extras limits, care centres and record, each dated.
ahm health insurance: a Medibank brand, and what that means for you
What ahm extras pay back, whether ambulance is capped, and why its 2026 premium rise, performance figures and privacy exposure are all Medibank's.
Bupa health insurance: what it costs, and what the Federal Court found in 2025
Bupa's 4.8% rise from 1 April 2026, its performance on the government's own figures, and the $35 million penalty the Federal Court ordered in December 2025.
HBF health insurance: the smallest 2026 rise, and what it costs you elsewhere
HBF raised premiums 2.15% from 1 April 2026, half the industry average. The government figures show where that shows up, and where it does not.
HCF health insurance: what not-for-profit actually returns to members
HCF's 4.96% rise from 1 April 2026, and the government figure that tests its not-for-profit claim: 87.8% of contributions paid back as benefits.
Medibank private health insurance: what it costs, what the government data shows
Medibank's 5.10% rise from 1 April 2026, its retention, benefits and complaints figures from the government's own data, and what the tier names do not tell you.
nib health insurance: the brands it underwrites, and what the data shows
nib's 5.47% average rise for 2026, the eight brands it underwrites including Qantas and Suncorp, and the 79.0% retention figure behind them.
Qantas Health Insurance: who actually insures you, and what the points are worth
Qantas Health Insurance is issued by nib, not by Qantas. What that means for your cover, your complaints route, and the 1 point per dollar earn rate.
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