Private Health Insurance complaints

What we can do

We can look into complaints about private health insurers, brokers, healthcare providers or hospitals, including about issues like:

• private health insurance benefits
• membership issues such as policy cancellation or premium payments
• application of waiting periods, including pre-existing condition assessments
• incorrect information or advice about your private health insurance
• government incentives, for example if your Lifetime Health Cover loading or Government Rebate has not been correctly applied by your insurer
• complaints about doctors, hospitals and healthcare providers if it involves a private health insurance arrangement such as gap fees
• complaints about Overseas Visitors Health Cover and Overseas Student Health Cover if the insurer is an Australian registered provider.

We protect the interests of private health insurance consumers. We do this in many ways, including by:

• resolving complaints through our independent complaint handling service
• identifying and acting on systemic issues
• providing advice to government and industry about issues affecting consumers about private health insurance
• managing PrivateHealth.gov.au, Australia’s leading source of independent information about private health insurance for consumers.

Our service is free to consumers. We are independent and impartial. We do not represent consumers, insurers, hospitals or health services.