How Good Is Suncorp Health Insurance in Australia? 2025 Review

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Why trust HelloSafe? HelloSafe is an international expert in health insurance, guiding over a million users each month in choosing their cover. Our specialists have evaluated policies from dozens of insurers in Australia, conducting an in-depth analysis of benefits, premiums and service quality.

What does Suncorp health insurance cover?

Suncorp stands out by offering flexible hospital covers, from Basic to comprehensive Gold, tailored to diverse healthcare needs and budgets. Refund rates for extras are strong, with 60% back on most benefits, generous dental limits, and unlimited preventative dental on all extras tiers. Accidental injury and ambulance are included across all hospital plans, and optional excess helps reduce premiums. Shortcomings include notable exclusions on basic tiers (pregnancy, joint replacement, and major heart/cancer for low/mid covers), limited natural therapy and psychology claims on entry extras, and relatively low optical limits.

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

Dental care

Vision care

Specialist and Paramedical Care

Good to know

Who can apply for Suncorp Health Insurance: - Any person residing in Australia - Must be eligible for Medicare - Minimum age to join is 18 years - Dependent children can be covered up to the age of 25 if they are studying full-time. You can add or remove family members (such as a partner or children) from your policy at any time. Choose from 4 types of cover to suit your situation: - Single – For one adult - 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 cost of Suncorp health insurance in 2025?

*Ces tarifs sont donnés à titre indicatifs. Les primes réelles peuvent différer en fonction de votre situation personnelle et des options choisies.*

Is Suncorp health insurance accessible to new arrivals?

Suncorp health insurance is intended for new arrivals, temporary residents, international workers, students, and visitors who may not yet qualify for Medicare or need extra support during their first year in Australia. This cover is designed to protect against healthcare costs during waiting periods and for care excluded from the public system.

• Medical care
  Inpatient hospital services are included for conditions covered by your tier: Silver and Gold plans cover a broad range, with Gold including all 38 clinical categories. For example, chemotherapy, surgery, heart care, and maternity (Gold level) are paid in full when treated at an agreement hospital.
• Prescribed care
  Pharmaceuticals needed during hospital stays are included. Out-of-hospital, most extras tiers provide 60% reimbursement up to annual limits; $150–$300 per year for non-PBS medicines.
• Specialist care
  Coverage for specialist surgery, day procedures, rehabilitation, cancer treatment, and complex health needs—levels depend on the selected hospital product, with Silver Advantage and Gold offering the most extensive coverage.
• Emergency dental care
  Dental surgery in hospital is included for hospital costs (not the dentist's fee unless you also have Suncorp Extras). For urgent dental visits outside hospital, the Extras plan reimburses up to 60% for general and major dental, subject to service limits—e.g., up to $600 for everyday extras or $800 for mid-extras major dental annually.
• Medical transport
  100% cover for emergency ambulance transport, with claims paid directly (except for residents of QLD/TAS, where state cover applies).
• Additional costs (hospitalisation or death)
  Hospital accommodation, prosthetics, theatre, and ward services are covered within your policy. Extras plans may include health aids, dietitian, mental health, and some home support—generally up to annual caps depending on your chosen level.

You can subscribe for a maximum of 12 months, renewable as long as you remain eligible (Australian resident or valid visa and no public coverage). Most hospital excess options are per person/year, with no excess for dependent children. Waiting periods: 1 day for accidents/ambulance, 2 months for most conditions, and 12 months for pregnancy and pre-existing conditions. Cover is only valid in Australia, and only recognised providers are eligible for Extras claims.

Selecting the Mid Extras Plan for Specific Coverage

If you want orthodontic cover or higher limits for health aids, select the mid extras plan and check sublimits and waiting periods before subscribing.

Does Suncorp health insurance cover seniors?

Suncorp health insurance is available for retirees and those reaching the end of a corporate or collective health insurance contract, offering continued access to healthcare without proof of medical status. The Suncorp Transition Program enables individuals to convert their group coverage to an individual policy, recognising waiting periods already served. To maintain uninterrupted cover, the application must be completed within 60 days of ending the previous group policy.

Several options under the Suncorp Transition Program allow you to select cover according to your needs and budget:

• Basic Hospital Plus
  Provides cover for essential surgeries, certain in-hospital treatments, rehabilitation and palliative care (minimum statutory level), and includes emergency ambulance.
• Bronze Hospital
  Adds more categories such as blood disorders, diabetes, major surgery, a wider range of in-hospital treatments, and psychiatric support (base public level).
• Silver Everyday Hospital Plus
  Covers most routine and complex admissions including cataracts, joint reconstructions, back/neck, sleep studies, and implantable devices (excluding maternity, fertility, and weight loss).
• Silver Advantage Hospital Plus
  Offers advanced hospitalisation including more procedures, with the main exception of pregnancy, assisted reproduction, and weight-loss surgery.
• Gold Hospital
  Full hospital cover for all treatments listed under Medicare including pregnancy, assisted fertility treatments, major surgeries, weight loss, and heart care.
• Everyday Extras
  Includes dental care, physiotherapy, optical expenses, limited natural therapies, and 60% reimbursement of each eligible service (annual limits apply).
• Mid Extras
  Expands on dental, optical, rehabilitation devices, allied health, psychology, dietary services, and more, while maintaining 60% service reimbursement and higher annual benefit caps.

Suncorp Transition Program: Application Process

To benefit from the Suncorp Transition Program, ensure your application is lodged within 60 days of leaving a collective insurance. For personalised guidance, reach out to Suncorp’s support services.

How does reimbursement work with Suncorp?

How to contact Suncorp health insurance?

Suncorp promo codes

Note: Les codes promos sont susceptibles de changer. Pour obtenir les derniers codes promos, rendez-vous sur notre comparatif des meilleures assurances santé.

FAQ

A. Fruchard

Insurance expert

Co-founder of HelloSafe and an experienced entrepreneur in the insurance and personal finance sector, Antoine uses his experience and in-depth knowledge of the market to help Internet users make the right choices. With an MBA in economics, he is a committed expert whose mission is to make personal finance and insurance issues simple and understandable. With a rich career marked by the creation of innovative companies, Antoine's ambition has always been to bring transparency to complex issues and to give power back to consumers. With HelloSafe, he continues to translate this vision by providing accurate advice, impartial comparisons and detailed explanations of travel insurance. He has analysed hundreds of contracts to reveal the best options available on the market.