How Does ING Health Insurance Rate in Australia? Review 2025
Our expert's review of ING
ScoreING Health Insurance Australia offers a robust suite of hospital and extras covers, with flexibility across several tiers from Basic Plus to Gold Hospital and Essential to Premium Extras. Hospital coverage aligns with industry standards and includes key benefits such as accidental injury upgrades, emergency ambulance, and wide private hospital coverage, with excesses of $500 or $750 depending on plan. Extras offerings range from 60% to 75% back at recognised providers, and annual limits are competitive: Premium Extras goes up to $1,200 for major dental, $1,200 for hearing aids (every 3 years), and $2,500 life-time for orthodontics. ING is administered by NIB, one of Australia's largest health funds, providing operational reliability and network access. Pricing is mid-market, often with competitive incentives for new customers, but ING does not noticeably undercut its main rivals (like Bupa, Medibank). The lack of direct customer review data means service quality cannot be directly compared, though the digital-first claims experience and NIB’s established administration support timely reimbursements. ING suits singles, couples and families seeking flexible, inclusive cover options with strong extras and comprehensive hospital policy choices, especially for those valuing digital tools and established partner networks.
- ✅Wide choice of hospital and extras plans
- ✅No-gap dental and optical network benefits
- ✅Emergency ambulance always included
- ✅Strong accidental injury benefits
- ✅75% back on extras (Premium)
- ✅Online claiming and digital tools
- ✅NIB administration and national provider network
- ❌No publicly available customer review scores
- ❌Higher out-of-pocket at non-partner hospitals
- ❌Gold Hospital only with Extras
- ❌Major dental and orthodontics capped annually
- ❌No telehealth nurse/medical hotline
Score- ✅Wide choice of hospital and extras plans
- ✅No-gap dental and optical network benefits
- ✅Emergency ambulance always included
- ✅Strong accidental injury benefits
- ✅75% back on extras (Premium)
- ✅Online claiming and digital tools
- ✅NIB administration and national provider network
Our expert's review of ING
- ✅Wide choice of hospital and extras plans
- ✅No-gap dental and optical network benefits
- ✅Emergency ambulance always included
- ✅Strong accidental injury benefits
- ✅75% back on extras (Premium)
- ✅Online claiming and digital tools
- ✅NIB administration and national provider network
- ❌No publicly available customer review scores
- ❌Higher out-of-pocket at non-partner hospitals
- ❌Gold Hospital only with Extras
- ❌Major dental and orthodontics capped annually
- ❌No telehealth nurse/medical hotline
Score- ✅Wide choice of hospital and extras plans
- ✅No-gap dental and optical network benefits
- ✅Emergency ambulance always included
- ✅Strong accidental injury benefits
- ✅75% back on extras (Premium)
- ✅Online claiming and digital tools
- ✅NIB administration and national provider network
- What does ING health insurance cover?
- What is the price of ING health insurance in 2025?
- Is ING health insurance accessible to newcomers?
- Does ING health insurance cover seniors?
- How does the refund work with ING?
- How to contact ING health insurance?
- ING promo codes
- FAQ
- On the same topic
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Why trust HelloSafe? HelloSafe is an international private health insurance expert, guiding over a million users every month in their choice of cover. Our specialists have reviewed the offers of 48 insurers in Australia, thoroughly analysing their cover, prices and quality of service.
What does ING health insurance cover?
ING provides flexible hospital and extras covers designed for broad needs, from budget to comprehensive Gold cover. Hospital plans combine key inclusions like accidental injury benefits, wide admission categories, and unlimited ambulance, with Silver Plus and Gold tiers offering private patient access for almost all treatments—including pregnancy and joint replacements. Extras covers refund 60% to 75% of claimed fees, with clear annual and lifetime limits across dental, optical, allied health, and wellness support. ING excels in accidental coverage and digital claims, but offers less cover for non-Medicare services and limits home nursing or natural therapies to top tiers.
Important
for you to easily compare and make your choice, we have added a column with what the public health system reimburses.
Routine medical care
| Garantie | Medicare | Basic Plus Hospital / Essential Extras | Bronze Plus Hospital / Everyday Extras | Silver Hospital / Everyday Advanced Extras | Silver Plus Hospital / Premium Extras | Gold Hospital / Premium Extras |
|---|---|---|---|---|---|---|
| Médicaments sur ordonnance | par défaut (PBS, co-payment applies) | non couvert | non couvert | non couvert | $450/an (Premium Extras) | $450/an (Premium Extras) |
| Hospitalisation | 100% Chambre standard, jours illimités | 100% Chambre standard, jours illimités | 100% Chambre standard, jours illimités | 100% Chambre standard, jours illimités | 100% Chambre standard, jours illimités | 100% Chambre privée, jours illimités |
| Transport ambulancier | par défaut (state-based, souvent partiel) | 100% Illimité, période : par année | 100% Illimité, période : par année | 100% Illimité, période : par année | 100% Illimité, période : par année | 100% Illimité, période : par année |
| Soins à domicile | par défaut (public schemes, limited scope) | non couvert | non couvert | non couvert | $200/an (Premium Extras) | $200/an (Premium Extras) |
| Analyse de laboratoire | 100% Si Medicare-eligible/public hospital | non couvert | non couvert | non couvert | non couvert | non couvert |
(PBS, co-payment applies)
Chambre standard, jours illimités
Chambre standard, jours illimités
Chambre standard, jours illimités
Chambre standard, jours illimités
Chambre standard, jours illimités
Chambre privée, jours illimités
(state-based, souvent partiel)
Illimité, période : par année
Illimité, période : par année
Illimité, période : par année
Illimité, période : par année
Illimité, période : par année
(public schemes, limited scope)
Si Medicare-eligible/public hospital
Dental care
| Garantie | Medicare | Essential Extras | Everyday Extras | Everyday Advanced Extras | Premium Extras |
|---|---|---|---|---|---|
| Soins dentaires préventifs et courants | par défaut Actes publics, faible montant, attente possible | 60% jusqu'à 500 $/an Période : par an | 60% jusqu'à 600 $/an Période : par an | 60% jusqu'à 700 $/an Période : par an | 75% jusqu'à 1 000 $/an Période : par an |
| Soins dentaires de base | par défaut Faible, actes Medicare/remboursables | Inclus dans 500 $/an Par an | Inclus dans 600 $/an Par an | Inclus dans 700 $/an Par an | Inclus dans 1 000 $/an Par an |
| Soins dentaires majeurs | par défaut Couvert hospitalier exclusivement | 60% jusqu'à 400 $/an Période : par an | 60% jusqu'à 600 $/an Période : par an | 60% jusqu'à 700 $/an Période : par an | 75% jusqu'à 1 200 $/an Période : par an |
| Orthodontie | non couvert Public adulte très rarement, enfants quotés | non couvert | non couvert | 60% jusqu'à 500 $/an (100 $/an sup.; plafond 1 700 $) | 75% jusqu'à 800 $/an (100 $/an sup.; plafond 2 500 $) |
Actes publics, faible montant, attente possible
Période : par an
Période : par an
Période : par an
Période : par an
Faible, actes Medicare/remboursables
Par an
Par an
Par an
Par an
Couvert hospitalier exclusivement
Période : par an
Période : par an
Période : par an
Période : par an
Public adulte très rarement, enfants quotés
Vision care
| Garantie | Medicare | Essential Extras | Everyday Extras | Everyday Advanced Extras | Premium Extras |
|---|---|---|---|---|---|
| Lunettes, lentilles, chirurgie | par défaut Urgence public, chirurgie enfants, réglementation stricte | 60% jusqu'à 200 $/an Par an | 60% jusqu'à 250 $/an Par an | 60% jusqu'à 250 $/an Par an | 75% jusqu'à 300 $/an Par an |
| Consultation d’un optométriste | 100% Bénéfice public, fréquence limitée | non couvert | non couvert | non couvert | non couvert |
Urgence public, chirurgie enfants, réglementation stricte
Par an
Par an
Par an
Par an
Bénéfice public, fréquence limitée
Specialized and paramedical care
| Garantie | Medicare | Essential Extras | Everyday Extras | Everyday Advanced Extras | Premium Extras |
|---|---|---|---|---|---|
| Médecines douces | non couvert Praticiens non remboursés | non couvert | 60% jusqu'à 150 $/an, limite par type, 2 mois attente | 60% jusqu'à 150 $/an, 2 mois attente | 75% jusqu'à 200 $/an, 2 mois attente |
| Psychologue | non couvert Consultations non remboursées | 60% jusqu'à 150 $/an, 2 mois attente | 60% jusqu'à 300 $/an, 2 mois attente | 60% jusqu'à 300 $/an, 2 mois attente | 75% jusqu'à 400 $/an, 2 mois attente |
| Orthophonie | non couvert Pas de remboursement | non couvert | non couvert | 60% jusqu'à 250 $/an, 2 mois attente, max par consult | 75% jusqu'à 300 $/an, 2 mois attente, max par consult |
| Assurance voyage | non couvert Pas de protection santé au voyage | non couvert | non couvert | non couvert | non couvert |
Praticiens non remboursés
Consultations non remboursées
Pas de remboursement
Pas de protection santé au voyage
Good to know
Who can get ING Health Insurance: - Any Australian resident - Must be eligible for and enrolled in Medicare - Minimum age to join is 18 - Dependent children can be covered up to age 25 if they are full-time students. You can add or remove family members (like a partner or children) from your policy at any time. Choose from 4 types of cover to suit your situation: - Single – For yourself only - Couple – For you and your partner - Single Parent – For one adult and their dependent children - Family – For two adults and their dependent children
What is the price of ING health insurance in 2025?
| Type of protection (household composition) | Basic Plus Hospital + Essential Extras | Bronze Plus Hospital + Everyday Extras | Silver Hospital + Everyday Advanced Extras | Gold Hospital + Premium Extras |
|---|---|---|---|---|
| Individual (1 insured) | Approx. $48/month | Approx. $78/month | Approx. $130/month | Approx. $164/month |
| Couple (2 insured) | Approx. $90/month | Approx. $150/month | Approx. $250/month | Approx. $320/month |
| Single parent family (1 adult + 2 children) | Approx. $75/month | Approx. $118/month | Approx. $202/month | Approx. $252/month |
| Family (2 adults + 2 children) | Approx. $135/month | Approx. $220/month | Approx. $365/month | Approx. $465/month |
*Ces tarifs sont donnés à titre indicatifs. Les primes réelles peuvent différer en fonction de votre situation personnelle et des options choisies.*
👉 Compare the best health insurance offers in Australia for free.Discover the offersIs ING health insurance accessible to newcomers?
ING health insurance targets new arrivals, international workers, students, and short- or long-term visitors who may not immediately access the public health system. It is designed to help during waiting periods before Medicare eligibility or for those ineligible for government cover, providing reassurance and financial protection.
- Medical care
- Benefit for consultations with general practitioners or specialists up to annual limits; for example, 60% reimbursement per visit up to $500/year depending on your plan.
- Prescribed care
- Support for medicines not subsidised by the government (non-PBS scripts), with cap amounts such as $400/year.
- Specialised care
- Coverage for hospital admissions from accidents or illness, including theatre, in-hospital medical fees, prosthetics and associated support; inpatient psychiatric or palliative care usually limited to statutory minimum.
- Emergency dental care
- Urgent dental treatment following an accident or acute infection is included within the general dental limits (e.g., $500–$1,000 per year depending on your chosen option).
- Medical transport
- 100% reimbursement of eligible emergency ambulance costs is included in all policies.
- Additional expenses (hospitalisation or death)
- May include set benefits for hospital accommodation, some post-operative care, and, on the highest covers, a contribution to funeral costs or repatriation after accidental death.
The maximum policy duration is generally 12 months, but depends on the type of visa and residency status. Benefits are only available in Australia, and no cover is provided for care obtained outside the country. Eligibility typically requires being aged 18 to 69, with proof of legal residence or visa, and not being entitled to Medicare at the time of joining. Waiting periods apply: accidents are immediately covered, other services often require 2 to 12 months before use, especially for pre-existing conditions and maternity benefits.
Up-front Payments and Reimbursement
Plan ahead for possible up-front payments at the time of care; reimbursement occurs after claim approval.
Does ING health insurance cover seniors?
ING health insurance provides solutions for retirees and those losing access to an employer collective insurance, with processes designed to ensure ongoing health cover without a coverage gap. The Continuity Advantage Program applies for people who recently left group insurance and wish to move to an individual plan. No medical evidence is required to join if the application is lodged within 60 days after the end of the collective contract, guaranteeing continuity of cover and recognition of waiting periods already served.
Available options within the Continuity Advantage Program offer different levels of health protection according to your needs:
- Basic Plus Hospital
- Covers main medical and surgical hospital admissions for essential conditions, plus emergency ambulance; suited for basic needs.
- Bronze Plus Hospital
- Provides a broader range of inpatient treatments, including select surgeries and chronic illness care; includes psychiatric and palliative support (at minimum statutory levels).
- Silver and Silver Plus Hospital
- Adds coverage for more complex inpatient care, eye health, joint replacements, rehabilitation and a larger variety of specialist treatments.
- Gold Hospital
- Comprehensive hospital cover including all treatments listed on the official Medicare schedule, such as maternity, IVF, major surgeries and chronic disease management; highest excess applies.
- Essential, Everyday, Advanced and Premium Extras
- Extras cover tiers providing dental, optical, physiotherapy, psychology, pharmacy assistance, home nursing, and hearing aids, with reimbursement rates up to 75% and higher annual limits for advanced levels.
Continuity Advantage Program
To ensure no interruption to your healthcare, the Continuity Advantage Program requires you to submit your application within 60 days of leaving your collective insurance. Contact ING support for help with the process and eligibility.
How does the refund work with ING?
| Functionality | Availability | Expert opinion |
|---|---|---|
| Online claim submission | ✅ | Submit health claims through the online portal anytime, supporting digital reimbursement with less paperwork. |
| Mobile application | ✅ | The app allows users to upload receipts, track claims, and access policy info from a mobile device. |
| Member portal for claim tracking | ✅ | View claim history, payment status, and annual policy usage at any time in the secure online portal. |
| Benefit simulator | ❌ | No online simulation tool; users should check cover tables or ask support for reimbursement estimates. |
| Reimbursement processing time | 48h | Most approved claims paid directly to your bank account within two business days of submission. |
| Add or remove members without fees | ✅ | Adults can change who’s insured on a policy at any time, with no administration charges applied. |
| Phone support with medical professional | ❌ | No direct nurse or doctor hotline; members must contact GPs or external professionals for medical advice. |
| Second medical opinion | ❌ | ING does not facilitate second medical opinions; members arrange these independently with their practitioner. |
| 24/7 travel assistance | ❌ | There is no dedicated worldwide assistance—travelers manage emergencies through regular support channels. |
How to contact ING health insurance?
| Reason for contact | Contact ING |
|---|---|
| I want a health insurance quote 🧾 | Online request via this link or call 1800 111 831 (Mon–Fri 8am–8pm, Sat 8am–1pm, choose health insurance option). |
| I need a certificate of insurance 🧾 | Log in to your online account to download your certificate, or phone 1800 111 831 (menu: documents/certificates, Mon–Fri 8am–8pm, Sat 8am–1pm). |
| I need medical assistance 🩺 | Call 1800 111 831 (health claims/assistance, 24/7; follow voice menu for urgent medical or hospital support). |
| I want to report an incident or track a claim 🔍 | Access your online claim portal for claims and status, or phone 1800 111 831 (menu: claims/services, Mon–Fri 8am–8pm, Sat 8am–1pm). |
ING promo codes
| ING promo codes | Details |
|---|---|
| HelloSafe promo code | -5% via HelloSafe health insurance comparison |
Note: Les codes promos sont susceptibles de changer. Pour obtenir les derniers codes promos, rendez-vous sur notre comparatif des meilleures assurances santé.
FAQ
Who can subscribe to ING health insurance?
You can subscribe to ING health insurance directly through the HelloSafe comparator, allowing you to quickly compare available options and proceed with your application online.
Are there any age restrictions with ING?
ING health insurance is generally available to adults aged 18 and over. There are no published maximum age limits for joining, but dependent children may only be covered up to specific ages or conditions detailed in policy documents.
Can you add or remove insured members with ING?
You can add or remove insured family members, such as spouses or children, from your ING policy by contacting customer support or updating your details online. Changes can usually be made anytime, but may affect your premium and level of cover.
Are waiting periods applied to new ING health insurance members?
Yes, standard waiting periods apply when joining ING health insurance or upgrading your cover. These include 2 months for most hospital and extras services, 12 months for pre-existing conditions and pregnancy, and varied waits for some extras such as major dental.
Can I transfer my waiting periods if switching to ING from another fund?
Yes, ING recognises waiting periods already served with another Australian health fund for equivalent services. When transferring, you’ll generally only need to serve waiting periods for higher or new benefits not previously covered.
How do I claim with ING health insurance?
You can claim using your membership card directly at recognised providers, or by submitting claims online, via the mobile app, or by mailing your receipts and forms. Most eligible benefit payments are made by direct deposit to your nominated bank account.
Who can subscribe to ING health insurance?
You can subscribe to ING health insurance directly through the HelloSafe comparator, allowing you to quickly compare available options and proceed with your application online.
Are there any age restrictions with ING?
ING health insurance is generally available to adults aged 18 and over. There are no published maximum age limits for joining, but dependent children may only be covered up to specific ages or conditions detailed in policy documents.
Can you add or remove insured members with ING?
You can add or remove insured family members, such as spouses or children, from your ING policy by contacting customer support or updating your details online. Changes can usually be made anytime, but may affect your premium and level of cover.
Are waiting periods applied to new ING health insurance members?
Yes, standard waiting periods apply when joining ING health insurance or upgrading your cover. These include 2 months for most hospital and extras services, 12 months for pre-existing conditions and pregnancy, and varied waits for some extras such as major dental.
Can I transfer my waiting periods if switching to ING from another fund?
Yes, ING recognises waiting periods already served with another Australian health fund for equivalent services. When transferring, you’ll generally only need to serve waiting periods for higher or new benefits not previously covered.
How do I claim with ING health insurance?
You can claim using your membership card directly at recognised providers, or by submitting claims online, via the mobile app, or by mailing your receipts and forms. Most eligible benefit payments are made by direct deposit to your nominated bank account.
On the same topic
