Frequently Asked Questions (FAQs)

1 April 2023 Premium Change FAQs

Every member will receive notice about Peoplecare’s premium changes which begin on 1 April 2023.

As a not-for-profit health fund, we aim to ensure that your access to our health cover is as affordable as possible while we continue supporting our members’ health and wellbeing.


You should have received information from us by now about any change to your membership payments from 1 April. You can find this  in the Peoplecare secure inbox available on the Peoplecare mobile app and Online Member Services.

As a not-for-profit health fund, we only ever increase premiums to manage the rising cost of health care and ensure that we can continue to improve the value of your health cover.

We try to keep our costs down in other ways such as:

  • closely monitoring your cover and looking for savings
  • working with the Australian Health Service Alliance (AHSA) to have more bargaining power with hospitals and doctors
  • working with industry bodies to lobby the Government for changes that make healthcare more affordable for everyone

If you’re wondering whether your cover is still right for you, our health cover experts are happy to talk you through your options and see if we can save you money. Call us on 1800 808 690 – we’re here to help.

Prepay in March 2023 (see dates below) and you won't have to pay this year's rate increase for the length of time you prepay for. You can prepay for up to 12 months. You can do this by:

  • Credit or debit card – by 5pm, Friday 31 March 2023 (or before midnight on the app or Online Member Services)
  • Direct debit – by Wednesday 29 March 2023
  • BPAY – before your bank's close of business on Tuesday 28 March 2023

We only ever increase premiums by what it costs to pay claims and keep our fund running, and any increases we make have to be approved by the Government. This is the same for all health funds.

We can’t charge people less if they don’t use their cover and more if they do. This is a rule set by the Government to make sure that everyone has the same access to private health insurance (it’s called ‘community rating’).

You don’t need to start paying the new premium until your next payment is due. For example, if you’re paid up to 30 May 2023, you’ll start paying the new amount from 1 June 2023.

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.

You might be surprised by how much it costs to pay for a private hospital procedure without private hospital insurance. To give you an idea, these are the highest hospital costs for individual Peoplecare members we paid in the 2022 financial year:

Top 5 hospital claims
Admission reason Total benefit paid
Digestive system $132,339
Heart and vascular system $117,168
Heart and vascular system $96,586
Heart and vascular system $95,477
Back, neck and spine $87,459


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. While we do aim to maintain a slight surplus so that we have a buffer to sustain us as a fund and enable us to pay the expensive claims, we look for opportunities to return large surpluses to our members through cash returns, keeping premiums as low as possible and by adding benefits.

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 


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 helpful 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 call us on 1800 808 704.

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

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

Or why not contact 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.

Compare covers easily by using our Help Me Choose feature.

Prefer the direct help of a friendly Peoplecarer? Call us on 1800 808 704 and we'll be happy to help you. We know health insurance inside and out and because we provide the personal touch our team of experts would love to discuss 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 information 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.

Our mobile 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

You can change or upgrade your cover any time you like, just call us on 1800 808 690. 

If you’re unsure what the right level of cover is for you, you can use our Help Me Choose tool on the website to compare our cover options, or you can call our health cover experts to discuss your cover options.  

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

Through the Peoplecare mobile app

Our mobile 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 Peoplecare app or in Online Member Services.

Set up direct debit here.

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 the Peoplecare mobile app or our Online Member Services to pay your cover’s outstanding balance or to a date in the future. We have a helpful calculator so you can check what date a payment will take you up to and how much you need to prepay to reach a certain date.

Log in here to make a payment

Call us 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 2024.

How to register

Details 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


You can find all of our forms here.

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




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. Also, 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 Plus Hospital Cover for under 30s. Get all the age-based discount information 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 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 call 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, contact us and we’ll see what we can do.