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Product review
Updated June 2023

Health insurance

Compare 12 policies and their premiums.

Accuro

SmartCare

  • Insurance type

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  • Financial strength

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  • Phone

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  • Cooling-off period

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Overview

Our survey of health insurance providers took place in January/February 2023. Monthly premiums are for non-smokers with no pre-existing conditions. Where applicable discounts have been applied for direct debit payments, non-smoker discounts, or discounts for joining healthy living or lifestyle programmes.

n/a = not applicable.

Policy

Insurance type

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Financial strength

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Phone

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Cooling-off period

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Hospital surgical

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Hospital medical

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Specialist consultations associated with hospitalisation

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Specialist consultations not associated with hospitalisation

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Major diagnostics associated with hospitalisation

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Major diagnostics not associated with hospitalisation

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Oral surgery

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Minor surgery

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Pharmaceuticals

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Additional cover

Physiotherapy after being discharged

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Post-op home nursing

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Overseas treatment

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Travel and accommodation benefit

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Public hospital benefit

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Funeral benefit

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Common exclusions

Allergy (ie desensitisation or testing)

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Dementia

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Infertility

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Mental health

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Obesity

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Pregnancy

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Vision correction

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Other

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More info

Claims paid to premiums collected

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Satisfaction

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Member reviews

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