Frequently Asked Questions (FAQs)

Good news! Peoplecare defers premium rise for 6 months

Premiums are locked at their current rate until 1 October 2022. We’ll take care of this automatically. You don’t need to do a thing. 

No increase to your premium on 1 April 2022 

It’s been another tough year for us all and this is the time of year health funds normally increase premiums. In good news, Peoplecare has continued to experience lower claims than expected due to the COVID-19 pandemic, so we are able to postpone the planned premium increase for six months. 

The Australian Government Rebate on Private Health Insurance will also remain the same for 2022. 


COVID-19 has been an unprecedented pandemic which has affected all of us in different ways. We recently returned around $5.4 million in cash back to our members.  

Since the start of the pandemic, in addition to the cash back to members, we have supported our members with a range of support packages to the value of approximately $3 million. These support packages included: 

  • deferring our April 2020 planned premium increase for 6 months;
  • introducing telehealth services & COVID-19-related benefits;
  • adding health programs; and 
  • assisting financially vulnerable members.

Telehealth was introduced as a temporary way to claim extras benefits remotely. We’re proud to say that these benefits are here to stay. Telehealth consultations are a way to claim one-to-one video and phone consults, based on your existing extras cover benefits. 
Claimable telehealth services include:  

  • physiotherapy 
  • occupational therapy  
  • psychology 
  • speech therapy 
  • dietetics
  • exercise physiology (new) 

Learn more about how to use telehealth benefits at 

We have also extended access to our fabulous health programs for those on Basic and Bronze Hospital covers until 1 April 2023. 

These include programs for: 

  • Heart health 
  • Mental health
  • Diabetes management
  • Joint health
  • Chronic disease management 

Read about our health programs in more detail at

* Waiting periods of 2 months (or 12 months for pre-existing conditions) apply. 

There are plenty of reasons private hospital cover is important. Things like: 

  • knowing you can have access to private hospitals with state-of-the-art facilities 
  • being able to choose your doctor 
  • not having to spend months (even years!) on a public hospital waiting list by going into a private hospital 
  • if you earn over the threshold for Medicare Levy Surcharge (currently $90,000 for singles and $180,000 for families), you may save tax by not having to pay the Medicare Levy Surcharge 
  • avoiding a Lifetime Health Cover loading (by having hospital cover before you turn 31) 

When you think about health insurance it’s important to think about more than just the cost – it’s about giving you more choice for your healthcare, less time waiting for the services you need and (most importantly) the peace of mind to know that you’ll be looked after when you need it most. 

Besides, hospital can be frighteningly expensive and that’s why there’s value in having health cover just in case the worst should happen. Here are some examples of claims we paid for individual members in 2021: 

Top 5 hospital claims
Admission reason Total benefit paid
Coronary artery bypass $104,551
Hospital psychiatric ECT $84,093
Surgery to treat brain swelling $80,003
Hospital psychiatric CBT $79,779
Spinal surgery $79,245

Again, it’s completely up to you, but you might want to get that money tree planted just in case.

We can help. We’re here for members in financial hardship. Call us on  1800 808 690 to talk about options for your personal situation.

No. We are a proud not-for-profit, member-owned fund. The fairly narrow surpluses we earn help sustain us as a fund and enable us to pay the expensive claims our members rightfully deserve towards their health.


About Private Health Insurance


Finding the right health cover can be tricky. And it can be even more confusing trying to compare your cover with another health cover.

We can help in a few different ways. Firstly, every health fund has a short summary of every product in a standard format to help you compare them side by side. They are called Private Health Information Statements (PHIS) and you can easily get them from the Private Health Insurance Ombudsman’s website at

We've got a new handy help me choose online tool that can help find the right fit for you.

If you’d like some personalised help, we’re just a phone call away. Our experts are happy to help you choose the right level of cover for you, and can help you compare your old cover so you know exactly what you’re covered for. Just give us a call on 1800 808 704. After all, what have you got to lose?!

If you're not sure what cover is the right fit for you, why not try our new handy help me choose tool?

If you know what you're after, you can go and get your personalised quote straight away.

Or why not road test our amazing customer service by calling 1800 808 704?

Just give us the details when you sign up (in the online sign up or over the phone) and we’ll take care of it all for you. Too easy!

Compare covers easily by using our Help Me Choose feature.

Prefer the direct help of a friendly Peoplecarer? Give us a buzz on 1800 808 704 and we'll be excited to help you. We know health insurance inside and out and because we love the personal touch we’re always happy to chat about your choices and help out by comparing your health cover.


Manage your cover


Well, you can!

How do I add someone to my cover?

Simply call us on 1800 808 690. We’re open 8:30 am - 5:00pm AEST Monday to Friday.

Can’t call us during business hours? We’re available online using contact us.

Will I need to pay more?

Your cover Adding a child Adding a partner







Single Parent






Will waiting periods apply?

When you call us we can give you accurate info about any waiting periods that may apply. The good news is that if your child or partner transfers from another health fund we’ll make sure we recognise any waiting periods they’ve already served if you switch within 30 days!

Read more about waiting periods and pre-existing conditions.

Do newborn babies need to serve waiting periods?

Newborns don’t need to serve waiting periods if you’ve already served your waiting periods and you add them to your cover before they’re 12 months old.

Not convinced?

Your kids and partners get a 30-day cooling-off period. So, if they change their minds about the cover, just let us know within 30 days of joining and you'll get a full refund of any premiums paid (as long as they haven't made any claims in that time, of course).

Just enter some of your basic details here and you’re on your way.

You’ll always be able to find the green login button at the top right of your screen. To save you scrolling up, here’s the page you need.

Just enter some of your basic details here and you’re on your way.

You can change your cover any time you like.

If you need a hand finding the right cover for you, use our new Help Me Choose tool, then give us a call on 1800 808 690 and we'll sort it out for you.

Of course, if you'd rather have a chat about it, just give us a buzz on 1800 808 690.

If you’re upgrading your cover, you may have waiting periods for things you weren’t covered for before.

Through the Peoplecare app

Our app makes it easy to take control of your health cover. Check your cover details, view your extras limits, claim, make a payment and a whole lot more. Get the app here.

Set up regular direct debits

The easiest way to pay your premiums is through a regular direct debit from your account. This makes sure your membership is kept up to date and you don’t have to remember to make your payments because they come out of your account automatically on the day you choose.

It's easy to set up your direct debit in the Online Member Services. On the Payments screen, click the green ‘Change’ button. This is where you can add or update a direct debit, change your payment dates and change the payment frequency.

Other payment options

Pay by credit card online or over the phone, BPay or cheque.

Make a one-off payment

You can also make credit card payments through Online Member Services to pay your cover’s outstanding balance or to a date in the future. Click to the Payments page, and you'll also find a calculator to see what date a lump sum payment will take you up to and how much you need to prepay to reach a certain date.

Give us a buzz on 1800 808 690 with the student number and place of study and we'll fix it for you!

You’re covered on your parents’ cover until you’re 21, or 25 if you’re studying full time (as long as you’re not married or in a de facto relationship).

If you’re 21 and not studying full time, you can stay on your parents’ cover until you’re 25 for an extra 30% premium. This is called Family Plus Cover.

Your kids between 18 and 21 can stay on your Peoplecare family cover regardless of whether they’re working or not.

You can keep full-time students on your family cover until they’re 25 for no extra cost if you register them each year for both semesters (or only the first semester if that’s the only one that applies) by the end of February 2021.

How to register

Info you’ll need:

  • Name of educational institution
  • Course
  • Student ID number
  1. Complete this short form
  2. Open our fabulous app Larry
  3. Click ‘Submit document’
  4. Attach the form and click ‘Submit’

Did you know?

If your kid isn’t studying full-time, they can still stay on your family cover until they’re 25 for an extra 30% of the cost (or a bit less, depending on the type of cover you have). It’s called Family Plus cover, and all you need to do is give us a call or email and we’ll get it sorted for you.


Forms & statements


There's a page for that! This is where all our forms live.

Tax statements should automatically populate with your tax agent or on the ATO's tax system. But you can also get it from your secure inbox in the app.


Saving money


You’ll probably be surprised to learn that, on average, couples actually claim more than families with kids. Who knew? This is mostly because a high proportion of couples are older people whose healthcare costs are generally higher than younger people, and also because kids generally have lower healthcare costs and don’t need to claim as much.

Our hands are tied with this one. All health funds are covered by Government legislation that says we have to charge everyone the same amount (for the same level of cover) – regardless of their age, health status or claims history. It’s called Community Rating, and we think it’s pretty fair to keep health cover more affordable for most people. We can provide a discount of up to 10% off the cost of our Basic Plus and Bronze Hospital Cover for under 30s. Get all the age-based discount info here.

We get this one a lot, but unfortunately Government says no. Private Health Insurance legislation says that health funds aren’t allowed to offer no-claim bonuses.

Some health funds offer corporate discounts to workplaces, but the trick is comparing products to make sure you’re actually getting a better deal. We’ve heard of corporate deals that are more expensive than Peoplecare products, even with their “discount”! We don’t offer corporate discounts because we don’t think it’s fair to offer one group of people a better deal than another – we’d rather offer great value cover for everyone. If you ever need a hand comparing health cover products, just give us a buzz and we’ll talk you through it.

This is another thing that’s controlled by Government legislation. We’re only allowed to pay benefits for products and services that treat a specific medical condition. If you have a medical condition and there’s something you think you might be able to claim for, get in touch and we’ll see what we can do.