Looks like your browser might not play nicely on our website. Try Chrome, Edge, Firefox or Safari for superior performance.

To give you the best experience, our site uses cookies. By continuing to use our site you are agreeing to our Privacy and Cookies policy.

  • Get a quote
  • Contact us
  • Join now 1800 808 704
  • Members 1800 808 690
  • Log in
Peoplecare logo
  • Health Insurance
    Health Insurance
    • Get a quote
    • Help me choose
    • Why us?
    • Combination cover
    • Join offer
    • Hospital cover
      • Hospital products
      • Young adults insurance
      • Pregnancy hospital cover
    • Extras cover
      • Extras products
      • Dental insurance
      • Optical insurance
    • Overseas students & visitors
      • Overseas Student Health Cover Extras
      • Overseas Student Health Cover
      • Overseas Visitor Health Cover
  • Using your cover
    Using your cover
    • Using your hospital cover
      • Find a specialist
      • Find a hospital
      • Access Gap
      • Going to hospital guide
      • Planning a family
      • How to claim an ambulance bill
      • What is accident hospitalisation?
      • How to use your ambulance cover
    • Using your extras cover
      • Find a provider
      • Making a claim
      • Dental insurance
      • Optical insurance
      • Extras for surgery recovery
      • Extras for pregnancy
      • Health aids & wellness
      • Complementary therapies
      • Psychology
      • Speech therapy
      • Physiotherapy and Other Therapies
      • Chiropractic and osteopathy benefits
      • Pharmacy benefits
    • Peoplecare Optical and Dental
    • Manage your health
      • Ask our experts
      • Health programs
      • Hospital services at home
      • Health information
      • Need help navigating the healthcare system?
    • Member perks
      • Refer a friend
      • HelloFresh
      • Peoplecare Optical and Dental
      • smile.com.au
      • Q Optical Network
      • Specsavers
      • OPSM
      • Laubman & Pank
      • Travel insurance
  • Help Centre
    Help Centre
    • Government rules
      • Australian Government Rebate
      • Lifetime Health Cover (LHC) Loading
      • Age-based discount
      • Medicare Benefit Schedule (MBS)
      • Medicare Levy Surcharge
    • Health Insurance A-Z
      • Waiting periods and pre-existing conditions
      • Why have private hospital insurance?
      • Time to get your own cover?
      • Who pays?
      • Public vs private
      • How to read your PHIS
      • Ultimate tax guide
      • Glossary (jargon buster)
      • Clinical categories
      • Extras services
    • Frequently Asked Questions (FAQs)
    • Forms and Cover Descriptions
    • Policies and reports
    • Digital member services
  • About us
    About us
    • Who we are
      • Our values
      • Our people
      • Our Achievements
      • Community
      • Members Health Fund Alliance
    • Careers
      • Jobs
      • What to expect
    • News
    • Contact us
      • Ask our experts about our health programs and services
      • Complaints policy
    • Download our mobile app
      • iPhone
      • Android
  • More...
Join now
1800 808 704
Members
1800 808 690
    • Get a quote
    • Contact us
    • Log in
    Search site
    1. Home
    2. Help centre
    3. Frequently Asked Questions (FAQs)
    4. Membership
    5. How do I change my cover?

    How do I change my cover?

    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. 

    Also in Help centre

    • Government rules
      • Age-based discount
      • Lifetime Health Cover (LHC) loading
      • Australian Government Rebate
      • Medicare Levy Surcharge
      • Medicare Benefits Schedule (MBS)
      • Pharmaceutical Benefits Scheme
    • Health insurance A to Z
      • Waiting periods & pre-existing conditions
      • Why have private health insurance
      • Time to get your own cover?
      • Who pays?
      • Public vs private
      • Ultimate tax guide
      • How to read your PHIS
      • Glossary
      • Clinical categories
      • Extras services
    • Policies
      • Social media house rules
      • Code of Conduct
      • Fund Rules
      • Your security
      • Privacy policy
      • Terms of use
      • Complaints policy
      • Peoplecare Optical and Dental complaints policy
      • Human rights and modern slavery
      • Research reports
      • Consumer Guarantee
    • Forms and Cover Descriptions
    • Frequently Asked Questions (FAQs)
      • About private health insurance
      • Manage your cover
      • Forms & statements
      • Saving money
      • Membership
      • Extras
      • Hospital
      • Ambulance
      • Age Dependant
      • 2024 Annual General Meeting
    • Digital Member Services
      • Digital Membership Card

    Health insurance

    • Hospital and Extras cover
    • Hospital cover
    • Extras cover
    • Ambulance cover
    • Overseas Students & Visitors

    Using your cover

    • Find a specialist/doctor
    • Find a hospital
    • Find an extras provider
    • Going to hospital guide
    • Members perks
    • Forms and Cover Descriptions
    • Mobile app
    • Online Member Services

    Help Centre

    • Why us?
    • Who we are
    • Careers
    • FAQs
    • Talk to us!

    Join now

    1800 808 704

    Members

    1800 808 690

    Connect with us

    • Facebook
    • LinkedIn
    • Instagram
    • YouTube
    • Fund Rules
    • Security
    • Privacy
    • Complaints policy
    • Code of Conduct
    • Terms of Use
    • Site Map
    • Peoplecare acknowledges Aboriginal and Torres Strait Islander peoples as the Traditional Custodians of the land on which we live and work. We pay our respects to their Elders past and present.

    Peoplecare Health Limited. A registered private health insurer. ABN 95 087 648 753. © 2025

    Peoplecare home Members Health Fund Alliance logo
    Back to top