Health Insurance Plans

At Fair Health Care Alliance, we believe that choosing the right health insurance plan should be simple and stress-free. With so many health funds and policies available, finding the right cover for your specific needs can sometimes feel overwhelming, especially when you have to compare all the different features, benefits, premiums and more. That’s where we come in. Our goal is to help Australians find a health insurance plan that not only suits your stage of life, but also gives you peace of mind and better value.

Whether you’re single, a couple, part of a growing family or enjoying your golden years, Fair Health Care Alliance can help you find the perfect health insurance plan to fit your needs and your budget.

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Health Insurance for Singles

Health Insurance for Couples

Health Insurance for Families

Health Insurance for Young Adults

Health Insurance for Over 50s

Health Insurance for Seniors

Health Insurance for Dental Cover

Health Insurance for Hospital Cover

Health Insurance for Physio Cover

Health Insurance for Optical Cover

Health Insurance for Remedial Massage Cover

Health Insurance for Singles

Why choose a singles plan?

Health Insurance for Couples

Couples’ health insurance plans combine cover for two people under a single policy. It’s a simple way to manage your healthcare if you have similar needs, while providing shared benefits that can be customised to suit your situation. Whether you’re newlyweds or long-term partners, having the right level of health cover means both of you will be protected against life’s uncertainties.

Why choose a couples plan?

Health Insurance for Families

Family health insurance plans deliver comprehensive cover for both parents and your children. Whether you need cover for just the essentials like hospital stays, or want to include maternity services, specialist visits and extras like dental and orthodontic treatments, which are especially important as your kids grow, you’ll find what you need with a family plan. Best of all, you have total flexibility to choose the level of cover that matches your family’s unique needs.

Why choose a family plan?

Health Insurance for Young Adults

As a young adult, staying in good health is something you might not think about until you actually need it. While you might not require the highest tier of health cover, getting health insurance for young adults is simple with an affordable plan that covers you for emergencies, mental health services and potentially a few extras like physiotherapy and optical. There are lots of young adult policies that will give you a balance between low premiums and essential cover, meaning you’ll avoid unexpected healthcare costs as you navigate your 20s and early 30s.

Why choose a young adult plan?

Health Insurance for Seniors

Senior-specific health insurance plans cover the treatments and services that matter most in later life. Depending on your circumstances and current healthcare needs, this might include joint replacements, cataract surgery and chronic-condition management. Extras like physiotherapy, dental and optical are also available in senior plans to help you stay in good overall health and maintain your wellbeing in your golden years.

Why choose a seniors plan?

What are the Benefits of Private Health Cover?

Having private health insurance is the only way to access benefits that aren’t available through Medicare. Whether you’re looking for more control over your individual healthcare or want to avoid lengthy wait times for elective surgeries, here are some of the main reasons why people take out health insurance:

Your choice of doctor and hospital: You can choose your own doctor or specialist, all while being treated in your preferred private or public hospital.
Shorter wait times: Avoid long queues for elective procedures, which are common in Australia’s public hospital system.
Access to extras: Depending on your level of cover, you can get benefits for dental, optical, physiotherapy and even alternative therapies like chiropractic care.
Private rooms: Health insurance gives you the option of having a private room in the hospital for more comfort and privacy during your stay.

What is Hospital Cover vs Extras?

Hospital cover: This policy type pays for your treatment as a private patient in a hospital. It covers the costs associated with your hospital stay, including accommodation, surgery, specialist fees and more. Hospital cover is what you’ll need if you want to skip long waiting times for surgeries and get cover for treatments in private hospitals.
Extras cover: Extras includes out-of-hospital treatments that aren’t covered by Medicare, including dental, optical, physiotherapy, chiropractic and more. It’s the best way to minimise your out-of-pocket costs for routine healthcare and wellness services.

Tip: You can combine hospital and extras cover or choose just one, depending on your needs.

Why Compare Health Insurance Plans?

At Fair Health Care Alliance, we make it easy to compare health insurance plans so you get the cover you need – without the hassle. Here’s why comparing is always a smart choice:

Better cover: By comparing plans, you can find one that matches your specific health requirements, whether it’s more extras cover for dental work or better hospital cover for specialist treatments.
Save on premiums: Comparing plans can help you avoid paying for services you don’t need and find a policy that fits your budget.
Better value: A cheaper policy might look appealing at first glance, but when you start comparing you’ll likely find a plan that gives you better long-term value, with more benefits and better cover for the services you use most.