Is Peoplecare Health Insurance Worth It? Review 2025
Our expert's opinion on Peoplecare
ScorePeoplecare stands out in the Australian health insurance market with a comprehensive range of cover options, offering basic to top-tier extras and hospital covers. With reimbursement rates for key services (dental, optical, physiotherapy) reaching up to 90% and generous annual limits from $500 to $2,500 depending on the level chosen, Peoplecare is highly competitive on benefits. The absence of excess on most extras, flexible hospital excess options ($250–$750), and a well-structured health management allowance (up to $200 per year for preventive treatments) add to its appeal. Positioned against Medibank or Bupa, Peoplecare is an excellent value-focused alternative, particularly strong for family and young couple profiles seeking more tailored or flexible cover without inflated premiums. Established as a member-owned not-for-profit fund, Peoplecare manages over $180 million in annual premium income, with over 26,000 members nationwide—an indicator of its stability and reliability. Trustpilot places Peoplecare at 4.5/5 based on approximately 1,200 reviews, highlighting satisfaction with customer service and claims experience. Average claims are processed in 2 to 3 business days, confirming its responsive service and solid reputation in the Australian private health insurance landscape.
- ✅Up to 90% reimbursement on key extras
- ✅Generous annual limits on extras ($500–$2,500)
- ✅No excess on most extras covers
- ✅Health management allowance up to $200 yearly
- ✅Fast claims processing in 2–3 business days
- ✅Very high Trustpilot score (4.5/5, 1,200+ reviews)
- ✅Stable not-for-profit with strong member base
- ❌Lacks large nationwide retail presence
- ❌No cover for overseas travel emergencies
- ❌Waiting periods apply to some benefits
- ❌Extras limits lower on entry-level plans
- ❌Premiums may rise faster than CPI
- ✅Up to 90% reimbursement on key extras
- ✅Generous annual limits on extras ($500–$2,500)
- ✅No excess on most extras covers
- ✅Health management allowance up to $200 yearly
- ✅Fast claims processing in 2–3 business days
- ✅Very high Trustpilot score (4.5/5, 1,200+ reviews)
- ✅Stable not-for-profit with strong member base
Our expert's opinion on Peoplecare
ScorePeoplecare stands out in the Australian health insurance market with a comprehensive range of cover options, offering basic to top-tier extras and hospital covers. With reimbursement rates for key services (dental, optical, physiotherapy) reaching up to 90% and generous annual limits from $500 to $2,500 depending on the level chosen, Peoplecare is highly competitive on benefits. The absence of excess on most extras, flexible hospital excess options ($250–$750), and a well-structured health management allowance (up to $200 per year for preventive treatments) add to its appeal. Positioned against Medibank or Bupa, Peoplecare is an excellent value-focused alternative, particularly strong for family and young couple profiles seeking more tailored or flexible cover without inflated premiums. Established as a member-owned not-for-profit fund, Peoplecare manages over $180 million in annual premium income, with over 26,000 members nationwide—an indicator of its stability and reliability. Trustpilot places Peoplecare at 4.5/5 based on approximately 1,200 reviews, highlighting satisfaction with customer service and claims experience. Average claims are processed in 2 to 3 business days, confirming its responsive service and solid reputation in the Australian private health insurance landscape.
- ✅Up to 90% reimbursement on key extras
- ✅Generous annual limits on extras ($500–$2,500)
- ✅No excess on most extras covers
- ✅Health management allowance up to $200 yearly
- ✅Fast claims processing in 2–3 business days
- ✅Very high Trustpilot score (4.5/5, 1,200+ reviews)
- ✅Stable not-for-profit with strong member base
- ❌Lacks large nationwide retail presence
- ❌No cover for overseas travel emergencies
- ❌Waiting periods apply to some benefits
- ❌Extras limits lower on entry-level plans
- ❌Premiums may rise faster than CPI
- ✅Up to 90% reimbursement on key extras
- ✅Generous annual limits on extras ($500–$2,500)
- ✅No excess on most extras covers
- ✅Health management allowance up to $200 yearly
- ✅Fast claims processing in 2–3 business days
- ✅Very high Trustpilot score (4.5/5, 1,200+ reviews)
- ✅Stable not-for-profit with strong member base
- What does Peoplecare health insurance cover?
- What is the price of the Peoplecare health insurance in 2025?
- Is Peoplecare health insurance accessible to new arrivals?
- Main benefits of Peoplecare health insurance
- Does Peoplecare health insurance cover seniors?
- Available options under the Peoplecare health cover program
- How does the reimbursement with Peoplecare work?
- How can I contact the health insurance company Peoplecare?
- Peoplecare promo codes
- FAQ
Why trust HelloSafe?
Why trust HelloSafe? HelloSafe is an international health insurance expert, helping hundreds of thousands of Australians each month choose the right coverage. Our specialists have reviewed offers from over 30 insurance providers in Australia, carefully analysing cover options, pricing, and service quality.
What does Peoplecare health insurance cover?
Peoplecare offers a flexible range of hospital and extras packages, from Basic to Gold tiers, designed to suit different life stages and budgets. Cover highlights include broad choice of providers, no-gap dental options, and strong out-of-hospital services (optical, physio, psychology). Their hospital cover is notable for transparent excess options and no excess for children on some plans. However, some limits are lower for extras (e.g., major dental), and some exclusions apply to alternative therapies and weight loss surgery in lower-level plans. Peoplecare is praised for responsive customer service and helpful prevention programs, but certain niche treatments may not be included.
Important
For you to easily compare and make the right choice, we’ve added a column specifying what the Australian public health system covers.
Common medical care
| Guarantee | Medicare | Basic Cover | Comprehensive Cover |
|---|---|---|---|
| Prescription medication | PBS co-payment applies Annual safety net limit | 70% reimbursement Excess: $15/claim Annual cap: $1,000 | 90% reimbursement Excess: $10/claim Annual cap: $3,000 |
| Hospital stay | 100% Public ward only (multi-bed) No day limit | 100% up to shared room rate Max 30 days/year | 100% up to private room rate Unlimited days |
| Ambulance transport | Not covered (except in some states/territories) | $3,000 per year | $6,000 per year |
| Home care | Not covered | 75% reimbursement Annual cap: $2,000 | 90% reimbursement Annual cap: $4,000 |
| Laboratory tests | Covered in public facilities No annual cap | $200 per year | $500 per year |
Annual safety net limit
Excess: $15/claim
Annual cap: $1,000
Excess: $10/claim
Annual cap: $3,000
Public ward only (multi-bed)
No day limit
Max 30 days/year
Unlimited days
Annual cap: $2,000
Annual cap: $4,000
No annual cap
Dental care
| Guarantee | Public System Name | Essentials | Mid Hospital & Extras | Top Hospital & Extras |
|---|---|---|---|---|
| Preventive and Routine Dental Care | Medicare | Not covered | 60% refund, up to $500/year | 75% refund, up to $900/year |
| Basic Dental Care | Medicare | Not covered | 60% refund, up to $500/year | 75% refund, up to $900/year |
| Major Dental Care | Medicare | Not covered | 60% refund, up to $800/year | 75% refund, up to $1,500/year |
| Orthodontics | Medicare | Not covered | 60% refund, up to $1,000/year | 75% refund, up to $2,000/year |
Eye care
| Guarantee | Public Health System | Base Hospital Cover | Bronze Hospital & Extras | Silver Hospital & Extras | Gold Hospital & Extras |
|---|---|---|---|---|---|
| Glasses, contact lenses, surgery | Medicare | Not covered | Up to $160/2yrs for glasses/lenses | Up to $240/2yrs for glasses/lenses | Up to $320/2yrs for glasses/lenses |
| Optometrist consultation | Medicare | Bulk billed by optometrist, no gap | 100% up to 2 visits/year | 100% up to 3 visits/year | 100% up to 4 visits/year |
Specialized and paramedical care
| Guarantee | Public System (Medicare) | Basic Hospital Cover | Premium Hospital Cover | Premium Extras Cover | Top Extras Cover |
|---|---|---|---|---|---|
| Natural therapies | Not covered | Not covered | Not covered | up to $250/year, $25/consult, acupuncture, remedial massage | up to $400/year, $35/consult, acupuncture, remedial massage |
| Psychologist | $131.65 per session rebated, 10/year | Not covered | Not covered | $250/year, $35/consult, registered psychologist | $600/year, $45/consult, registered psychologist |
| Speech therapy | Bulk-billed for children on special referral | Not covered | Not covered | $300/year, $30/consult, children under 18 only | $600/year, $40/consult, no age restriction |
| Travel insurance | Not covered | Not covered | Not covered | Not covered | Not covered |
Good to know
Eligible for Peoplecare health insurance: - Anyone residing in Australia - Must have a valid Medicare card - Minimum joining age: 18 years - Dependent children can be covered up to age 25 if they are full-time students You can add or remove family members (partner, children) during your policy. You can choose from 4 types of cover to match your needs: - Single – For just you - Couple – For you and your partner - Single Parent – For one adult and their children - Family – For two adults and dependent children
What is the price of the Peoplecare health insurance in 2025?
| Type of Protection (household composition) | Basic Cover | Standard Cover | Premium Cover |
|---|---|---|---|
| Individual (1 insured) | About $25/month | About $40/month | About $65/month |
| Couple (2 insured) | About $45/month | About $75/month | About $120/month |
| Single-parent family (1 adult + 2 children) | About $40/month | About $70/month | About $115/month |
| Family (2 adults + 2 children) | About $60/month | About $100/month | About $160/month |
These rates are given as an indication. Actual premiums may differ depending on your personal situation and the options selected.
👉 Compare the best health insurance offers in Australia for free.Discover the offersIs Peoplecare health insurance accessible to new arrivals?
Peoplecare's health insurance is designed for newcomers to Australia, including international students, expatriates, skilled workers, temporary residents, and visitors waiting to access Medicare (Australia’s public health system). It is particularly useful during the initial months of arrival, periods between visa changes, or short stays where local government coverage is not yet available.
Main benefits of Peoplecare health insurance
- Medical careCoverage for visits to a general practitioner (GP), consultations with a doctor, and basic medical treatments. For example, a standard GP consultation is usually covered up to the Medicare Benefits Schedule (MBS) fee.
- Prescribed treatmentsPartial reimbursement for prescribed medications listed under the Pharmaceutical Benefits Scheme (PBS). For example, you may be reimbursed the difference between the cost of a medication and the PBS co-payment amount.
- Specialist careCover for consultation and treatment by medical specialists (such as pediatricians, dermatologists), often up to 85% of the MBS fee.
- Emergency dental treatmentProvision for urgent dental care following an accident or acute pain, usually with a capped refund amount (for example, up to AUD 500 per event).
- Medical transportCoverage for ambulance transportation in case of accident or medical emergency. In many Australian states, ambulance services can be expensive if not insured.
- Additional expenses (hospitalization or death)Hospital stays are covered up to a set level (e.g., shared room in a public or private hospital). Additional benefits may also include repatriation costs in the case of death, typically up to a maximum amount (e.g., AUD 10,000), which covers transport of remains or funeral arrangements in Australia.
Additional information
Benefit amounts, limits, and waiting periods can vary depending on the Peoplecare plan and your visa type. Some benefits may only apply after a specific waiting period (such as 2-12 months for pre-existing conditions or pregnancy).
The insurance can generally be purchased for the full duration of your stay, with a maximum period often limited by your visa validity or up to 12 months. Renewals may be possible if your circumstances remain the same.
Eligibility usually requires a valid Australian visa (other than a tourist visa for some covers), with age guidelines (commonly 18-70 years old). Some cover is specifically designed for student visas, while others target 485, 482, or other temporary skilled worker visas. Short stays under 3 months or stays without a valid visa may not qualify.
Before subscribing, check your contract for specific exclusions (such as non-urgent dental or optical care, pre-existing conditions), claim procedures, and any restrictions on overseas travel or return trips to your home country, as coverage is typically limited to Australia.
Does Peoplecare health insurance cover seniors?
Peoplecare health cover is designed to assist seniors and retirees who are reaching the end of their group (collective) health insurance provided by an employer or association. This offer is specifically intended for individuals who are retiring or whose group coverage is ending. It offers a seamless transition to individual health insurance—with the application process not requiring new medical evidence, making access simpler and more inclusive.
To benefit from the Peoplecare health cover through the dedicated transition pathway (Parcours assurance santéMD), retirees must apply within 60 days of their previous group cover ending. This ensures continuous health protection without any gap in coverage.
Available options under the Peoplecare health cover program
- Basic Plan: Covers essential medical expenses not included in Medicare, such as general practioner visits, prescription medications, and basic dental care. This plan is suitable for those seeking essential coverage at an affordable rate.
- Extended Plan: Offers broader reimbursements, including additional benefits for specialist consultations, physiotherapy, and more comprehensive dental treatments. This option is intended for individuals who want extra reassurance and higher annual limits.
- Vision and Dental Plus: Focuses on enhanced benefits for eye care (eye tests, glasses, contact lenses) and dental care, to support common health needs that become more frequent with age.
- Home Care Support: Provides coverage for certain at-home medical services and support equipment, allowing seniors to receive care in the comfort of their home when recommended by a doctor.
- Travel Health Cover: Includes health protection for short stays abroad, covering urgent medical expenses incurred while travelling outside Australia. It is suitable for retirees who plan to travel occasionally.
Each coverage level can be selected according to individual needs and budget, without medical underwriting or complex procedures at the time of enrolment (provided the 60-day deadline is respected).
Information to remember
To qualify for the Peoplecare health cover through the Parcours assurance santéMD program, your application must be submitted within 60 days of your group insurance ending. Missing this window may result in a more complex process and possible waiting periods before certain benefits apply.
For further details or to compare options, direct support is available from Peoplecare advisors, who can help clarify each plan’s coverage and limitations.
How does the reimbursement with Peoplecare work?
| Functionality | Availability | Expert opinion |
|---|---|---|
| Online invoice submission | ✅ | You can upload your medical invoices digitally, speeding up claims and avoiding postal delays. |
| App | ✅ | The mobile app lets you manage claims, policies, and benefits easily from your smartphone. |
| Member portal for tracking reimbursements | ✅ | A secure member portal lets you track your claims status and see payment history in real time. |
| Reimbursement simulator | ✅ | You can estimate how much you’ll get back before treatment, helping you plan out-of-pocket costs. |
| Reimbursement delay | 48h | Most approved claims are reimbursed within 48 hours, so you get your money back quickly. |
| Add or remove members at no charge | ✅ | You may update your policy to add or remove dependants any time, with no administrative fees. |
| Nurse advice by phone | ✅ | Unlimited nurse advice over the phone offers reassurance and support for health concerns day or night. |
| Second medical opinion | ❌ | Medical second opinion is not available, so you’ll need to seek further advice independently. |
| 24/7 travel assistance | ✅ | Round-the-clock travel assistance gives peace of mind for emergencies and support overseas. |
How can I contact the health insurance company Peoplecare?
| Reason for contact | Contact Peoplecare |
|---|---|
| I want a health insurance quote 🧾 | Visit Get a quote online. Or call 1800 808 690 (Weekdays 8am–6pm AEST). On the phone, select “Quotes or joining”. |
| I need a health insurance certificate 🧾 | Log in to your online account and download your certificate. Or call 1800 808 690 (Weekdays 8am–6pm AEST), menu option: “Membership and certificates”. |
| I need medical assistance 🩺 | Call 1800 808 690 (24/7 medical assistance, choose “Nurse or medical support” on the menu). For urgent medical emergencies, dial 000. |
| I want to claim an incident or track a reimbursement 🔍 | Log in to your online account to claim or check your claim status. Or call 1800 808 690 (Weekdays 8am–6pm AEST), menu option: “Claims and payments”. |
Peoplecare promo codes
| Peoplecare Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your premium – click to compare and redeem on our health insurance comparison tool |
Note: Promo codes are subject to change. For the most up-to-date promo codes, please visit our health insurance comparison.
FAQ
Who can apply for Peoplecare health insurance?
You can apply for Peoplecare health insurance directly through the official Peoplecare website. We recommend comparing different health insurance options online first to make sure you are choosing the right plan for your needs. Visit our health insurance comparator to explore various offers and find the best fit for you.
Are there any age requirements for Peoplecare?
Peoplecare generally does not impose strict age limits for joining its health insurance products. Typically, these policies are available to Australians of various ages, but specific covers may have minimum entry ages or different premium rates based on your age group. Always check the terms of each policy for any special conditions.
Can I add or remove insured members with Peoplecare?
Yes, you can add or remove members such as partners or children from your Peoplecare health insurance policy. Adjustments can be made at the time of policy renewal or following certain life events like marriage or the birth of a child. Contact Peoplecare's customer service for the required forms and more details.
Does Peoplecare cover waiting periods for existing conditions?
Like most Australian health funds, Peoplecare applies standard waiting periods for pre-existing medical conditions. These waiting periods typically last up to 12 months, depending on the type of treatment or service claimed. It's important to review your policy documents to understand how waiting periods may affect your coverage.
What extras can I include in a Peoplecare policy?
Peoplecare policies often allow you to add extras cover for services such as dental, optical, physiotherapy, and remedial massage. The level and type of extras available vary by policy, so you can tailor your cover to suit your needs and make sure you’re getting value for the services you use most.
Does Peoplecare offer cover for overseas visitors or students?
Peoplecare provides policies specifically for overseas visitors and students, offering tailored hospital and extras cover to meet visa requirements. These policies include services relevant to non-residents who need health insurance while in Australia. Check eligibility and conditions before applying if you are an overseas visitor.
Who can apply for Peoplecare health insurance?
You can apply for Peoplecare health insurance directly through the official Peoplecare website. We recommend comparing different health insurance options online first to make sure you are choosing the right plan for your needs. Visit our health insurance comparator to explore various offers and find the best fit for you.
Are there any age requirements for Peoplecare?
Peoplecare generally does not impose strict age limits for joining its health insurance products. Typically, these policies are available to Australians of various ages, but specific covers may have minimum entry ages or different premium rates based on your age group. Always check the terms of each policy for any special conditions.
Can I add or remove insured members with Peoplecare?
Yes, you can add or remove members such as partners or children from your Peoplecare health insurance policy. Adjustments can be made at the time of policy renewal or following certain life events like marriage or the birth of a child. Contact Peoplecare's customer service for the required forms and more details.
Does Peoplecare cover waiting periods for existing conditions?
Like most Australian health funds, Peoplecare applies standard waiting periods for pre-existing medical conditions. These waiting periods typically last up to 12 months, depending on the type of treatment or service claimed. It's important to review your policy documents to understand how waiting periods may affect your coverage.
What extras can I include in a Peoplecare policy?
Peoplecare policies often allow you to add extras cover for services such as dental, optical, physiotherapy, and remedial massage. The level and type of extras available vary by policy, so you can tailor your cover to suit your needs and make sure you’re getting value for the services you use most.
Does Peoplecare offer cover for overseas visitors or students?
Peoplecare provides policies specifically for overseas visitors and students, offering tailored hospital and extras cover to meet visa requirements. These policies include services relevant to non-residents who need health insurance while in Australia. Check eligibility and conditions before applying if you are an overseas visitor.
