Real Health Insurance Review 2026
Compare 36 Real Health policies. Prices shown for: Single, NSW, Age 30, $500 excess.
Issued by nib Health Funds Ltd.
Real Health Insurance - Quick Facts
Prices reflect your profile settings (Single, NSW, Age 30, $500 excess). Policy information from PrivateHealth.gov.au (16 September 2026). Reviews from ProductReview.com.au (April 2026). Not affiliated with Real Health.
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See all 36 Real Health policies side-by-side with personalised pricing.
Prices reflect your profile settings (Single, NSW, Age 30, $500 excess). Policy information from PrivateHealth.gov.au (16 September 2026). Reviews from ProductReview.com.au (April 2026). Not affiliated with Real Health.
Explore Real Health Policies
Real Health offers 36 health insurance policies across three coverage types. Prices shown are for Single, NSW, Age 30, $500 excess.
Hospital Cover
20 policies covering private hospital treatment, from $65.18* per month. Ranges from Basic tier (lowest coverage, avoid Medicare Levy Surcharge) to Gold tier (highest coverage, most treatments included).
20 policies availableExtras Cover
16 policies covering general treatment (dental, optical, physio, etc.), from $51.10* per month. Extras policies help reduce out-of-pocket costs for everyday health services not covered by Medicare.
16 policies availableHospital & Extras Combined
No combined policies currently available from Real Health Insurance.
0 policies available*Prices for Single, NSW, Age 30, $500 excess. Actual prices may vary — confirm with Real Health directly.
Explore individual policies
Open a policy to review its benefits, eligibility and available household options.
Real Health Insurance
Real Advanced Extras
- Cover
- Extras
- Available in
- National
- Households
- Single, Couple, Family, Single parent
Real Health Insurance
Real Basic Plus Hospital
- Cover
- Hospital
- Tier
- Basic Plus
- Available in
- National
- Households
- Single, Couple, Family, Single parent
- Excess options
- $500, $750
Real Health Insurance
Real Bronze Plus Hospital
- Cover
- Hospital
- Tier
- Bronze Plus
- Available in
- National
- Households
- Single, Couple, Family, Single parent
- Excess options
- $500, $750
Real Health Insurance
Real Gold Hospital
- Cover
- Hospital
- Tier
- Gold
- Available in
- National
- Households
- Single, Couple, Family, Single parent
- Excess options
- $750
Real Health Insurance
Real Lifestyle Extras
- Cover
- Extras
- Available in
- National
- Households
- Single, Couple, Family, Single parent
Real Health Insurance
Real Silver Hospital
- Cover
- Hospital
- Tier
- Silver
- Available in
- National
- Households
- Single, Couple, Family, Single parent
- Excess options
- $500, $750
Overall Real Health price increase
Customer Reviews
ProductReview.com.au (April 2026).
What Real Health Specialises In
Find policies suited to your situation. Prices are indicative only.
Hospital CoverageExtras CoverageAll prices shown are indicative only and were last updated on 16 September 2026 using data from PrivateHealth.gov.au. Actual prices may vary based on individual circumstances. Please confirm pricing directly with insurers.
Customer Service Record & Complaints
How Real Health Insurance compares to other Australian health insurers based on pricing, service record, and product range.
Complaints data is recorded against the underwriting fund. Real Health is underwritten by nib Health Funds Ltd., so the figures below reflect NIB's Ombudsman record.
Based on official data from the Private Health Insurance Ombudsman (PHIO), Real Health has an Excellent Service Record with significantly fewer complaints than the industry average when normalised by market share.
31.96Complaint Rateper 1% market share · last 12 months1%Investigation Rateformal investigations99%Resolution Rateresolved internallySource: Private Health Insurance Ombudsman (PHIO) Quarterly Reports, Q4 2024 – Q3 2025. Complaint rate = total complaints ÷ market share percentage. Note: All health insurers receive some complaints. Lower rates indicate better service and faster internal resolution of member concerns.
Complaint breakdown
Quarter-on-Quarter:up 8% (74 → 80 complaints)— complaint rate per market share worseningComplaint Rate per 1% Market Share: Quarter on Quarter
Source: Private Health Insurance Ombudsman (PHIO) Quarterly Reports, Q4 2024 – Q3 2025. Complaint rate = total complaints ÷ market share percentage. Complaint rate = complaints per 1% market share.
Top Complaint Categories — All Insurers CombinedHow Real Health Addresses These
99% internal resolution rate and 2 Ombudsman investigations — Real Health Insurance resolves member concerns before they escalate.
Source: Private Health Insurance Ombudsman (PHIO) Quarterly Report, Q1 2025-26. 849 total complaints industry-wide across all 35+ Australian health insurers.
Real Health vs Industry Average - Complaint Rate per 1% Market Share (Last 12 Months)
Real Health Insurance handles 9.7% of the market. Complaint rate of 31.96 vs industry average of 28.58 over the last 12 months.
Source: Private Health Insurance Ombudsman (PHIO) Quarterly Reports, Q4 2024 – Q3 2025. Complaint rate = total complaints ÷ market share percentage.
How to Resolve Issues
Data Source: Private Health Insurance Ombudsman (PHIO) Quarterly Reports, Q4 2024 – Q3 2025. Complaint rate = total complaints ÷ market share percentage. Complaint data is independently collected and published by the Commonwealth Ombudsman's office. Update Frequency: Ombudsman data is updated quarterly (Jan, Apr, Jul, Oct).
Compare Real Health to Competitors
Based on official data from the Private Health Insurance Ombudsman (PHIO), Real Health Insurance has an Excellent Service Record with significantly fewer complaints than the industry average when normalised by market share.
Real Health InsuranceDoctors Health FundQantas Health InsuranceReal Health Insurance*For Single in NSW. Service record data from PHIO.
Contact & Support
PhoneEmailOnlineMailReal Health Mobile App
App features: make and track claims, check Extras balances, search healthcare networks, manage cover and personal details, view and download policy documents, submit travel claims, book tele-health.
Frequently Asked Questions
All information provided in these FAQs is general information only and does not constitute financial, insurance, or personal advice. For advice specific to your circumstances, consult with a licensed financial or insurance adviser, or contact insurers directly. Information is based on our understanding as of 16 September 2026 and may change. Always verify current information with official sources.
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