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There’s nothing more important than good health, which enables you to live life to the fullest.

It allows you to have an active childhood, hold down a job, raise your family, and continue to enjoy life as you age.

Budget Direct Health Insurance gives you the assurance of knowing that if you, your partner or another family member becomes sick or injured, you can choose who treats you, when and where — putting you in control.

We offer not only hospital cover, but also extras cover, which helps you minimise your out-of-pocket expenses for physiotherapy, chiropractic, dental, optical, and other popular ancillary services.

Get more with Budget Direct Health Insurance

  • We’ve teamed up with GHMBA, an Australian not-for-profit health fund with more than 80 years’ experience and over 230,000 members
  • You can either select a pre-packaged hospital and extras bundle or mix ‘n’ match covers to create your own package – it’s up to you
  • Your hospital excess is capped – you know the most you’ll pay each calendar year and you won’t have to pay an excess for your dependent children
  • You can choose any extras provider you like and get back between 50% and 85% of your consultation or treatment fees, depending on your cover
  • If you switch to Budget Direct from another insurer, you won’t have to re-serve waiting periods for equivalent or lower levels of cover

Choose a pre-packaged Hospital and Extras bundle...

You can pick any package you like; we’ve made a few suggestions, based on your current life stage or circumstances

Young singles and couples

Starter Package

Basic cover for accommodation and a number of procedures in a private hospital; and 50% back on a range of extras services, with one annual limit of $750.

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Starter Package Plus

Basic cover for accommodation and a number of procedures in a private hospital; and 60% back on a range of extras services, with one annual limit of $1,000.

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Families, including single parents

New Family Package

Cover for accommodation and treatment in a private hospital, including pregnancy- and birth-related services; and 60% back on a range of extras services.

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Family Value Package

Affordable cover for accommodation and treatment in a private hospital (though some services, such as pregnancy, are only covered in a public hospital); and 60% back on a range of extras services.

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Established Family Package

Cover for accommodation and treatment in a private hospital, excluding pregnancy; and 60% back on a range of extras services, with higher limits for physiotherapy and dental, including orthodontics.

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Older singles and couples (55+)

Freedom Package

Cover for accommodation, and treatment – including cardiac surgery, palliative care and joint reconstructions – in a private hospital; and 60% back on a range of extras services, including dental and optical.

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...or mix ‘n’ match Hospital and Extras cover

If a pre-packaged bundle doesn't suit your needs, you can create your own tailored solution. Simply follow these steps:

Step 1

Choose Hospital Cover

Select one of three levels of hospital cover:

Public Hospital Cover

Our entry-level insurance, covering you for treatment as a private patient in a shared room in a public hospital. 

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Mid Hospital Cover

Our mid-range insurance, covering you for treatment in a shared room or – subject to a co-payment and availability – a single room in a participating private hospital.

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Top Hospital Cover

Our highest level of insurance, covering you for treatment in a shared room or – subject to availability – a single room in a participating private hospital.

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Step 2

Choose Extras cover

Select one of two levels of extras cover.

Basic Extras Cover

Entitles you to claim on physiotherapy, chiropractic, dental, optical and other services, and get back 55% or 85% of your fees.

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Top Extras Cover

Similar to Basic Extras, but with higher annual limits and cover for more services, including podiatry, psychology, occupational therapy and speech therapy.

Read more

Step 3

Call 1800 234 004 to receive your personalised quote today.

 

Hospital only or Extras only cover

If you prefer, you can buy hospital only or extras only cover — the choice is yours.

Compare health cover

Still unsure which hospital and/or extras cover is most suitable for you? Compare them side by side:

Waiting periods

When you take out private health insurance for the first time or increase your level of cover, you are required to serve a waiting period before you can start claiming benefits.

The following table shows the waiting periods that apply to certain services or conditions.

(If you are transferring to Budget Direct Health Insurance from another health fund, you will not have to re-serve waiting periods for equivalent or lower levels of cover.)

Hospital cover
12 months Pregnancy, and pre-existing conditions (except psychiatric treatment, rehabilitation, and palliative care)
2 months Psychiatric treatment, rehabilitation, and palliative care
1 day Accidents, and ambulance cover
Extras cover
12 months Major dental and orthodontics, podiatric surgery, and orthotics
2 months Optical
1 day Any other extras benefit

Hospital excesses

An excess is the amount you pay if you’re admitted to hospital. The following table shows the most you’ll pay each calendar year:

Hospital only cover
Singles $450
Couples & Families $900
Child dependents Nil
Hospital & Extras cover
Singles $500
Couples & Families $1,000
Child dependents Nil

Find out more

The information on this page is a summary only. For more information about the terms, conditions, limits and exclusions that apply, please read the member guide.

Get a quote

If you’re looking for affordable private health cover, including hospital and/or extras cover, look no further than Budget Direct.

Get a Quote

How to switch

Switching to Budget Direct from another health fund is as easy as 1-2-3:

  1. Select Budget Direct health insurance that suits you.
  2. Join online or over the phone – we’ll call your previous provider to arrange the transfer.
  3. Claim. No waiting periods for services you were already covered for.

How to make a claim

Claiming on your Budget Direct health insurance is quick and easy: In most cases, you can claim on the spot, by giving your healthcare provider your membership card.

Make a claim on your health insurance policy

Hospital substitute programs

While there’s no substitute for a hospital when we’re seriously ill, given a choice many people would prefer to be treated in the comfort of their own home.

Indeed, research shows patients treated in their own homes instead of a hospital can recover faster and with fewer complications.

That’s why we offer Hospital in the Home (HITH) and Rehabilitation in the Home (RITH) – programs eligible members can access at no extra cost.

For more information, call Budget Direct Health Insurance on 1800 234 004

Why private health insurance?

While all citizens and permanent residents in Australia have access to public healthcare, private healthcare comes with lots of benefits, including:

More control

You have greater control over when and where you are treated, including shorter waiting times for elective surgery and a single, private room in hospital (subject to availability).

Choice of doctor

Unlike public patients in public hospitals, you can choose your own specialist doctor, who can provide you with follow-up care after you leave hospital.

Ancillary services

You get cover for health services not funded by Medicare, including ambulance, dental, optical, physiotherapy, chiropractic, podiatry and psychology services.

Less taxes

Having private hospital cover entitles you to the Australian Government Rebate and depending upon your circumstances, you may be able to avoid the Lifetime Health Cover loading and the Medicare Levy Surcharge.

Frequently asked questions

What is private health insurance?

Private health insurance is a contract whereby, in exchange for a premium, your health fund agrees to cover some or all of your private (or public) hospital and/or non-hospital healthcare, or ‘extras’, costs. (The cost of general practitioners and specialists you visit outside of hospital are fully or partly covered by Medicare.)  

In an emergency, which hospital will I be taken to?

In an emergency, you’ll typically be admitted to a public hospital as a public patient (private hospitals generally don’t have emergency wards). If you have Budget Direct Mid Hospital or Top Hospital cover, you can ask to be transferred to a private hospital once you’re well enough to be moved. 

What expenses are there if I go into hospital?

There are usually two bills: the hospital’s (for your accommodation, food, etc.) and your specialist doctor’s.

How will my hospital bill be paid?

If you’re treated as a private patient in one of our participating private hospitals or in a public hospital and your cover does not exclude the treatment, all you’ll need to pay is the excess and – if applicable – the co-payment. All other agreed costs will be billed to us after you’ve gone home.

How will my specialist doctor’s bill be paid?

Medicare will generally pay 75% of the Medicare Benefits Schedule (MBS) fee for the in-hospital treatment provided by your specialist doctor; we’ll pay the remaining 25%. If your doctor charges the MBS fee, there will be no ‘medical gap’ for you to pay. If your doctor charges more than the fee, we’ll cover you for 20% of the additional cost, provided they are one of the 14,000 doctors participating in our medical gap cover scheme. To avoid surprises, you should discuss your potential out-of-pocket expenses with your doctor before being admitted to hospital.

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