TUH Health Fund made it easy to compare all the different plans they had. Everything from inclusions to waiting periods was explained in plain language rather than insurance jargon.

Their extras packages stood out. I particularly liked the dental, optical, and mental health services. 

Claims were processed quickly through their online portal, and the app made it easy to upload receipts and track rebates in real-time. I also appreciated that TUH reinvests surplus benefits into its members’ benefits.

In terms of affordability, TUH sits in the mid-range bracket. A Basic Hospital and Extras Plan starts at around $160 per month for singles. It’s a bit higher than budget insurers, but it’s balanced by their better coverage and responsive support.

I found their member service team to be approachable and professional, especially when clarifying claim queries.

However, TUH’s coverage options might not suit you if you’re looking for ultra-low-cost or bare-minimum plans.

Easy claims processing

“Highly recommend this fund. Good level of cover, the claims process is very easy, and staff have always been very helpful when I had questions. It feels like they are really there for members.”

Felix Delhomme, Google Review

Responsive team

“I have always found TUH really responsive, claims are paid fast & I love the app for claiming when required and seeing what limits I’ve got left for extras. Customer service is always great, they actually care about their members. I’ve been with them for almost 10 years.”

Ron Smith, Google Review

HCF Brisbane’s staff is professional and knowledgeable. That’s a big plus if you’re someone like me who prefers sitting down with someone to compare policies and clarify inclusions.

One of the biggest advantages of HCF is their “More for You” program. It offers 100% back on popular extras, such as dental check-ups and physiotherapy, when using participating providers.

If you think you’ll be using those services regularly, it will significantly boost the value you’re getting from your money.

In terms of pricing, HCF’s premiums are competitive. Yes, I like that it’s accessible, starting at around $145 per month for singles with combined hospital and extras cover. 

I also appreciated their user-friendly MyHCF app, which simplifies claims and allows you to manage membership details on the go. 

However, some members noted slower reimbursements during busier periods.

Exceptional long-term service

“We have been with HCF for 15+ years and have always had excellent service. I went into the Brisbane office recently and the person who served me was friendly, experienced and helpful. I couldn’t have asked for more.”

Susan C., Google Review

Helpful staff

“I have been with HCF for many years and have found the staff at the Brisbane office to be very helpful. I struggle with filling in forms and understanding details but the very friendly staff take all that stress away for me with their assistance and kind attitude.”

Robyn Parry, Google Review

Bupa stands out for a wide range of plans, which include student health cover and comprehensive family packages. Their staff were accommodating during consultations and even helped me identify which inclusions best matched my needs.

Their extras cover is particularly suited for families, offering generous rebates on dental and physio services. 

I also found value in Bupa’s network of partner clinics, which provides members with exclusive discounts and faster claims processing.

In terms of pricing, combined hospital and extras cover for singles starts at around $150 per month, placing Bupa in the mid-to-upper range. While not the most affordable option, the strong provider network and accessible customer support justify the cost.

Another strength of Bupa is that it has several physical branches conveniently located across Brisbane.

Unfortunately, some of their basic hospital plans exclude specific services such as pregnancy and childbirth and major elective surgeries. It’s best to review each plan carefully so that they actually cover the treatments you need.

Efficient and caring

“Daniel was so patient and was very understanding with all our questions, it was thanks to Daniel, being so efficient and caring to ali any fears my Son might have had, explaining at a pace that even my Son felt comfortable, so not railroaded, or pressured into joining, my Son joined on his own accord! I was both amazed and impressed! So thank you to Daniel! BUPA BRISBANE CITY OFFICE.”

Tonianne Barry, Google Review

Compassionate dental care

“I’ve been so anxious about going to the dentist for so long. But today, I went and seen Dr. Pramodh Nayagam. He was amazing and made me feel comfortable. I didn’t feel judged and his genuine approach to helping me was outstanding. His lovely assistant was so encouraging and made me feel relaxed. The team at the front desk were helpful and knowledgeable. Looking forward to my next visit.”

Tammy Bowater, Google Review

Medibank offers a wide range of health cover options tailored for singles, couples, and families. I found their online comparison tool to be the most user-friendly among major insurers. It allows me to filter plans by inclusions, coverage levels, and budget.

Their “Live Better” rewards program is another strong feature, letting members earn points for healthy activities. It can then be redeemed for discounts on premiums or partner offers.

Medibank’s hospital cover provides access to major Brisbane establishments such as Greenslopes Private Hospital, as well as partner clinics like Specsavers and National Dental Care.

Their extras plans are also flexible. These offer good value for common services like dental and physiotherapy.

As for the cost, their combined hospital and extras cover for singles starts at around $150 per month, placing them in a moderate pricing tier. While most claims are processed smoothly, they sometimes have delays during busy periods.

Patient staff

“Recently went to sign up with Medibank from this location. We’re typically very picky and have researched all insurance. The staff there were very patient and polite. One of the gentlemen taking care of us was extremely patient and had an amazing attitude to carefully walk us through the process. A pleasant experience and looking forward to being a member with them.”

Khoa Leo, Google Review

Genuine customer care

“Come see Claudine, she serves with a smile. She saw my broken arm and asked me how I am doing and recovering. She gave me the number for health support for members if I need it. Good and sincere customer service.”

J.A. Heusaff, Google Review

For international visitors in Brisbane, Allianz Care Australia stands out as one of the most reliable options for Overseas Visitors Health Cover. 

I found their Working Visa 482 cover among the most compliant and competitively priced for temporary residents. It includes essential hospital and medical benefits that meet Australian visa requirements.

Their pricing was reasonable, starting at around $80 per month. This gave access to an extensive network of hospitals across Queensland, including Mater Private Hospital and St. Andrew’s War Memorial Hospital.

Claiming medical expenses was straightforward using the Allianz MyHealth app, where reimbursements typically cleared within a few business days.

I appreciated their multilingual customer support, which was especially helpful for new arrivals adjusting to the local system. However, routine dental and optical are not included in basic OVHC plans, requiring optional extras for broader coverage.

Reliable coverage

“Our experience is perfect. They provide real cover. May not be 100% all the time, but this is truly value for money. I’ve had my mother insured 2 times with them and will do more even if they increase prices.”

Mikhail V, Google Review

Outstanding customer service

“I highly recommend Allianz for health insurance. When my mum was hospitalized for three weeks, Allianz covered all her hospital expenses without any issues. Since her condition was not pre-existing, she was fully covered under the policy. This experience reassured me that having the right coverage is crucial, so I strongly advise anyone considering health insurance to carefully choose a plan that meets their needs. Allianz proved to be incredibly reliable throughout the entire process. Their customer service is outstanding – they answer phone calls immediately, and every staff member I spoke to was respectful, helpful, and polite. They truly care about their clients, as they even reassured me to focus on my mum’s health while they handled the financial aspects.  I cannot emphasize enough how important it is to have a trustworthy insurance provider, and Allianz exceeded my expectations. If you’re looking for an insurance company that provides excellent coverage and compassionate service, I highly recommend Allianz. Just make sure to choose the right policy that fits your needs.”

Mariah F, Google Review