Peoplecare health insurance

Is it a good health insurer?

Peoplecare has 4 hospital and 4 extras policies in our comparison, from $93.09 a month for hospital cover (Single · NSW · $500 hospital excess, after rebate).

Issued by Peoplecare Health Limited. Hospital, extras or both.

Explore 4 hospital and 4 extras products, or find cover by treatment. Sources for Peoplecare

Reviewed, Edited and Designed by

Grace Connolly

Created with AI assistance

Our editorial process

Page updated 26 October 2026 · Prices effective 17 September 2026

I need cover for…

Compare cover across all Australian health funds.

Peoplecare cover: the main choices.

If you claim major dental every year

Premium Extras has a $1,500 major dental limit. Check the extras benefits for shared pools and claim conditions.

See the benefit differences

For palliative care

Bronze Plus Hospital covers palliative care. Check the hospital cover for exclusions and restricted benefits before choosing.

Compare hospital inclusions

Before you pay for Bronze Plus

Bronze Plus Hospital adds blood treatment and other categories compared with Basic Plus Hospital. What the hospital cover step costs depends on your household, state and excess.

Compare hospital inclusions

Peoplecare policies and example prices.

The profile you choose updates the Peoplecare price tables, hospital shortlist and alternative-policy comparison below.

Who needs cover?

SingleCoupleFamilySingle parent

State or territory

Hospital excess

Single · NSW · $500 hospital excess · example premiums after rebate.

Monthly examples include the 24.118% government rebate, the maximum for adults under 65. Your rebate and final quote may differ.

Price assumptions

Need a Peoplecare price for your circumstances? Compare Peoplecare with cover across all Australian health funds.

Compare my options

Hospital cover

4 product lines

Peoplecare hospital policies: monthly example premiums after rebate for Single · NSW · $500 hospital excess
Tier	Product	Monthly premium after rebate	Explore
Basic Plus	Basic Plus HospitalBasic Plus Hospital	$93.09/month	Policy details: Basic Plus Hospital
Bronze Plus	Bronze Plus HospitalBronze Plus Hospital	$114.95/month	Policy details: Bronze Plus Hospital
Silver Plus	Silver Plus Essentials HospitalSilver Plus Essentials Hospital	$144.42/month	Policy details: Silver Plus Essentials Hospital
Silver Plus	Silver Plus HospitalSilver Plus Hospital	$199.42/month	Policy details: Silver Plus Hospital

$55.00 more per month for Silver Plus Hospital versus Silver Plus Essentials Hospital after rebate for the selected example profile.

Cataracts is an additional inclusion, not the complete list of differences.

Extras cover

4 product lines

Peoplecare extras policies: monthly example premiums after rebate for Single in NSW, with no hospital excess
Product	Monthly premium after rebate	Explore
Simple ExtrasSimple Extras	$30.01/month	Policy details: Simple Extras
Mid ExtrasMid Extras	$58.92/month	Policy details: Mid Extras
High ExtrasHigh Extras	$90.50/month	Policy details: High Extras
Premium ExtrasPremium Extras	$139.67/month	Policy details: Premium Extras

Peoplecare also sells other extras covers only as part of a package with Peoplecare hospital cover.

JavaScript is off. Prices show Single / NSW / $500 excess; the shortlist shows cataracts and the alternatives show Peoplecare Silver Plus Essentials Hospital comparisons. All policy links remain available.

All Peoplecare policy pages

Peoplecare joining offer

Current offer

Up to $500 digital gift card

New members who join eligible combined hospital and extras cover by 30 November 2026 get a digital gift card. Basic Accident and Basic Plus combinations are not eligible. Single and single parent policies get $150 on Bronze Plus or Silver Plus Essentials, or $250 on Silver Plus or Silver Plus Grow. Couple and family policies get $300 or $500 on the same covers. Eligible 2 and 6 month extras waiting periods are also waived.

For new Peoplecare policy holders, or former policy holders who left more than 12 months before the offer started.

Ends 30 November 2026

Offer terms

Offer information checked: 26 October 2026. Prices, benefits and promotions can change. Before applying, check the insurer's official website for current availability, eligibility requirements, expiry dates and full terms. Read our Terms of Use. Report an error to info@healthinsurance.au.

Peoplecare eligibility and offer terms

Available through Peoplecare's website or call centre. Do not assume this offer applies when joining through another comparison service. Eligibility and other conditions apply.

Buy and start the cover by 30 November 2026.

Basic Accident and Basic Plus combinations are excluded. So are hospital-only, extras-only and ambulance-only covers.

Hold the membership for 60 continuous days and keep it paid up to date.

The card's value follows the cover the membership holds when the 60 days end.

A policy that is cancelled, suspended or in arrears before the card is issued does not qualify.

Pay premiums by direct debit, credit or BPAY, and give a valid email address.

True Rewards emails the gift card within 14 days after that. There is one gift card per policy.

The waiver does not cover major dental, orthodontics or hearing aids. Hospital waiting periods still apply.

If you switch from another fund, extras benefits already paid there may count towards your Peoplecare annual limits.

Join on Peoplecare's website or through its contact centre. The offer is not available through an aggregator and cannot be combined with any other Peoplecare discount or promotion.

Peoplecare can extend or withdraw the offer at any time. It cannot be exchanged for cash.

What does Peoplecare hospital insurance cover?

Choose a treatment

1 Peoplecare hospital policy fully covers cataracts

Tier	Product	Monthly premium after rebate	Explore
Silver Plus	Silver Plus HospitalSilver Plus Hospital	$199.42/month	Check policy details: Silver Plus Hospital

Single · NSW · $500 hospital excess. Only policies that fully include cataracts are shown. How we read hospital categories

Compare selected treatment categories across all 4 hospital policies

Selected Peoplecare treatment categories.

Treatment	Basic Plus HospitalBasic Plus	Bronze Plus HospitalBronze Plus	Silver Plus Essentials HospitalSilver Plus	Silver Plus HospitalSilver Plus
Cataracts	Not included	Not included	Not included	Included
Joint replacements	Not included	Not included	Not included	Included
Heart and vascular system	Not included	Not included	Included	Included
Pregnancy and birth	Not included	Not included	Not included	Not included
Assisted reproductive services	Not included	Not included	Not included	Not included
Hospital psychiatric services	Restricted	Restricted	Restricted	Restricted
Palliative care	Restricted	Included	Included	Included
Insulin pumps	Not included	Not included	Not included	Included
Blood	Not included	Included	Included	Included
Bone, joint and muscle	Not included	Included	Included	Included
Brain and nervous system	Not included	Included	Included	Included
Breast surgery (medically necessary)	Not included	Included	Included	Included
Chemotherapy, radiotherapy and immunotherapy for cancer	Not included	Included	Included	Included
Diabetes management (excluding insulin pumps)	Not included	Included	Included	Included
Digestive system	Not included	Included	Included	Included
Ear, nose and throat	Not included	Included	Included	Included
Eye (not cataracts)	Not included	Included	Included	Included
Gastrointestinal endoscopy	Not included	Included	Included	Included
Kidney and bladder	Not included	Included	Included	Included
Lung and chest	Not included	Included	Included	Included
Male reproductive system	Not included	Included	Included	Included
Pain management	Not included	Included	Included	Included
Podiatric surgery (provided by a registered podiatric surgeon)	Not included	Included	Included	Included
Skin	Not included	Included	Included	Included
Sleep studies	Not included	Included	Included	Included

How we read hospital categories

More premium does not mean more back on everything.

Peoplecare extras limits per 12 months unless the statement says otherwise

Selected benefit	Simple Extras	Mid Extras	High Extras	Premium Extras
Optical / physio benefit examples	Optical: $150.00 set benefit. Physio: $40.00 set benefit for an initial visit	Optical: $200.00 set benefit. Physio: $45.00 set benefit for an initial visit	Optical: $250.00 set benefit. Physio: $51.00 set benefit for an initial visit	Optical: $300.00 set benefit. Physio: $59.00 set benefit for an initial visit
Optical limit	$150.00	$200.00	$250.00	$300.00
Physiotherapy limit	$300.00Shared with exercise physiology, orthoptics, occupational therapy & other services	$350.00Shared with exercise physiology, orthoptics, occupational therapy & other services	$500.00Shared with exercise physiology, orthoptics, occupational therapy & other services	$600.00Shared with exercise physiology, orthoptics, occupational therapy & other services
Major dental + endodontic limit	Not included	$500.00	$1,000.00	$1,500.00
Psychology included?	No	No	Yes	Yes
Optical waiting period	6 months	6 months	6 months	6 months
Source statement	Single-policy example	Single-policy example	Single-policy example	Single-policy example

Single-policy examples. Each links to its policy statement.

About these examples

Simple Extras → Premium Extras

The optical limits move from $150 to $300 for the Single-policy examples. Premium Extras raises the shared physio limit from $300 to $600 and adds psychology.

Premium Extras: higher benefit examples

The optical examples move from a $150.00 set benefit on Simple Extras to a $300.00 set benefit on Premium Extras. It has a $300 optical limit and $600 shared physio limit for the Single-policy example.Compare these benefits with the premium.

Why Peoplecare's shared limits and waiting periods matter

Every optical benefit shown has a standard waiting period of 6 months.

How shared limits work

Peoplecare vs. nib vs. GMHBA

How Peoplecare compares with similar hospital policies.

These are selected Silver Plus examples from nib and GMHBA, not identical policies or a search for the cheapest cover across the market.

Compare alternatives to

Comparing Peoplecare Silver Plus Essentials Hospital with nib Silver Secure Hospital Plus and GMHBA Silver Plus Hospital. Single · NSW · $500 hospital excess · Silver Plus hospital cover

Change price profile ↑

Peoplecare and selected alternatives: monthly prices and verified coverage differences.

Compare	PeoplecareSilver Plus Essentials HospitalReference policy	nib Silver Secure Hospital Plus$0.43 less a month than Peoplecare	GMHBA Silver Plus Hospital$0.82 more a month than Peoplecare
Monthly premium after rebate	$144.42/month	$143.99/month (lowest price in this row)	$145.24/month
Cataracts	Not included	Not included	Not included
Joint replacements	Not included	Not included	Not included
Pregnancy and birth	Not included	Not included	Not included
Hospital psychiatric services	Restricted	Restricted	Restricted
Heart and vascular system	Included	Included	Included
Policy details	View Peoplecare Silver Plus Essentials Hospital	View nib Silver Secure Hospital Plus	View GMHBA Silver Plus Hospital

Price assumptions

What the differences mean for you

All 38 treatment categories have the same status for these policies. That does not mean the policies have identical terms or out-of-pocket costs.

These alternatives match Peoplecare Silver Plus Essentials Hospital on tier, cataracts and joint replacements. How we choose alternatives

Compare all 38 hospital treatment categories

Peoplecare and the alternatives: all 38 treatment categories, policy information as at 26 October 2026.

Compare	PeoplecareSilver Plus Essentials Hospital	nib Silver Secure Hospital Plus	GMHBA Silver Plus Hospital
Rehabilitation	Included	Included	Included
Insulin pumps	Not included	Not included	Not included
Pain management with a device	Not included	Not included	Not included
Dialysis for chronic kidney failure	Not included	Not included	Not included
Cataracts	Not included	Not included	Not included
Joint replacements	Not included	Not included	Not included
Hospital psychiatric services	Restricted	Restricted	Restricted
Pregnancy and birth	Not included	Not included	Not included
Assisted reproductive services	Not included	Not included	Not included
Heart and vascular system	Included	Included	Included
Back, neck and spine	Included	Included	Included
Blood	Included	Included	Included
Bone, joint and muscle	Included	Included	Included
Brain and nervous system	Included	Included	Included
Breast surgery (medically necessary)	Included	Included	Included
Chemotherapy, radiotherapy and immunotherapy for cancer	Included	Included	Included
Dental surgery	Included	Included	Included
Diabetes management (excluding insulin pumps)	Included	Included	Included
Digestive system	Included	Included	Included
Ear, nose and throat	Included	Included	Included
Eye (not cataracts)	Included	Included	Included
Gastrointestinal endoscopy	Included	Included	Included
Gynaecology	Included	Included	Included
Hernia and appendix	Included	Included	Included
Implantation of hearing devices	Included	Included	Included
Joint reconstructions	Included	Included	Included
Kidney and bladder	Included	Included	Included
Lung and chest	Included	Included	Included
Male reproductive system	Included	Included	Included
Miscarriage and termination of pregnancy	Included	Included	Included
Pain management	Included	Included	Included
Palliative care	Included	Included	Included
Plastic and reconstructive surgery (medically necessary)	Included	Included	Included
Podiatric surgery (provided by a registered podiatric surgeon)	Included	Included	Included
Skin	Included	Included	Included
Sleep studies	Included	Included	Included
Tonsils, adenoids and grommets	Included	Included	Included
Weight loss surgery	Not included	Not included	Not included

Compare Peoplecare with cover from every Australian health fund.

Compare all funds

Peoplecare against the industry.

Peoplecare members had no gap on 90.3% of in-hospital medical services in the 2024-25 financial year, against 87.1% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
Peoplecare paid 43.1% of members' extras (general treatment) charges in the 2024-25 financial year, against 50.7% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
Peoplecare increased premiums by an average of 4.01% in 2026, against 4.41% across the industry. Government premium-increase figures · accessed 23 October 2026

Google

3.6 / 5

44 Google reviews

Voluntary customer reviews · Peoplecare Health Insurance in Wollongong

Snapshot: 26 October 2026. This is the Google listing for Peoplecare Health Insurance in Wollongong, not a rating of Peoplecare as a whole or a representative survey. This small sample may not reflect the experience of most members.

Read Peoplecare Health Insurance in Wollongong reviews at the source

Complaint share is close to market share

Share of all complaints, 2024-250.5%

Market share, 30 June 20250.5%

0%12%

State of the Health Funds Report 2024-25 · checked 26 October 2026

Peoplecare's share of complaints the Ombudsman received in 2024-25 is close to its market share at 30 June 2025. Its share of complaints the Ombudsman investigated that year is 0%.

Latest quarter, January to March 2026. The Ombudsman referred 6 complaints about Peoplecare Health Limited to it to resolve, 0.9% of those it referred about all insurers, and investigated none. Ombudsman Quarterly Update · checked 26 October 2026

Read the State of the Health Funds Report 2024-25

App Store

4.6 / 5

85 App Store ratings

Peoplecare Health Insurance app · Peoplecare Health Limited

Snapshot: 22 October 2026. Peoplecare Health Insurance is Peoplecare's own app. This rates the app on the Australian App Store, not Peoplecare's cover or claims. This small sample may not reflect the experience of most members.

See Peoplecare Health Insurance on the App Store

Google Play

3.8 / 5

108 Google Play reviews

Peoplecare Health Insurance app · Peoplecare Health Insurance

Snapshot: 22 October 2026. Peoplecare Health Insurance is Peoplecare's own app. This rates the app on Google Play, not Peoplecare's cover or claims.

See Peoplecare Health Insurance on Google Play

What review and complaint figures mean

Check the practical details.

Check your provider
Confirm that Peoplecare recognises your provider. Ask for a treatment plan and item numbers so Peoplecare can estimate your benefits and out-of-pocket costs.
Peoplecare provider search
Make or track a claim
Use Peoplecare's health claims guidance and member login for receipts, claim tracking and remaining benefits.
Claims guidance Health member login

Contact Peoplecare

For new cover, call 1800 931 814. Monday to Friday 8:30am to 5pm (AET).Contact details checked 22 October 2026.Official contact details and messaging options

Before you choose Peoplecare.

Who owns Peoplecare?

Peoplecare is owned by its members and operates as a not-for-profit fund. That does not make every policy the best value for your needs.

Source: Government insurer profile, checked 22 October 2026.

What is the cheapest Peoplecare hospital policy?

Basic Plus Hospital is the cheapest Peoplecare hospital policy for a single person in NSW with a $500 hospital excess, at $93.09 a month after the 24.118% government rebate for adults under 65 (prices effective 17 September 2026). This compares all 4 Peoplecare hospital policies, not the whole market. Check what it excludes before choosing on price.

Source: How we compare prices, checked 26 October 2026.

What changes if I move from Bronze Plus Hospital to Silver Plus Essentials Hospital?

Peoplecare Silver Plus Essentials Hospital adds full cover for heart and vascular system, implantation of hearing devices and 3 more categories compared with Bronze Plus Hospital. For the Single / NSW / $500 excess example it costs $29.47 more a month, so check what each policy covers before you upgrade.

Source: Private Health Information Statements, checked 26 October 2026.

Sources for Peoplecare.

Policy information retrieved 26 October 2026. Prices effective 17 September 2026.

Private Health Information Statements · Peoplecare · checked 26 October 2026
State of the Health Funds Report 2024-25 · Peoplecare · checked 26 October 2026
Government insurer profile · Peoplecare · checked 22 October 2026
Government premium-increase figures · Peoplecare · checked 23 October 2026
Government rebate rates and eligibility · Australian Government · checked 26 October 2026
Google listing for Peoplecare Health Insurance in Wollongong · Peoplecare · checked 26 October 2026
App Store listing for Peoplecare Health Insurance · Peoplecare Health Limited · checked 22 October 2026
Google Play listing for Peoplecare Health Insurance · Peoplecare Health Insurance · checked 22 October 2026
Official contact details · Peoplecare · checked 22 October 2026
Offer terms · Peoplecare · checked 26 October 2026

How we compare health insurers

Compare Peoplecare policies Sources for Peoplecare Back to top

All policies by cover type

Hospital (4)

Extras (4)

Hospital and extras (34)

Show 22 more

Ambulance (1)

Ambulance Only

Browse all 43 policies →

I need cover for...