If you claim physiotherapy every year
Simple 60 has a $300 physiotherapy limit that it shares with exercise physiology and can only be bought with certain see-u hospital policies. Check the extras benefits for shared pools and claim conditions.
see-u health insurance
Is it a good health insurer?
see-u has 7 hospital and 4 extras policies in our comparison, from $203.15 a month for hospital cover (Single · NSW · $500 hospital excess, after rebate).
Issued by HBF Health Limited. Hospital, extras or both.
Explore 7 hospital and 4 extras products, or find cover by treatment. Sources for see-u
Reviewed, Edited and Designed by
Grace Connolly
Created with AI assistance
Page updated 27 October 2026 · Prices effective 30 April 2026
I need cover for…
Compare cover across all Australian health funds.
see-u cover: the main choices.
See the benefit differences
For dialysis for chronic kidney failure
Premium Hospital Non-Obstetrics (Silver Plus) covers dialysis for chronic kidney failure. Check the hospital cover for exclusions and restricted benefits before choosing.
see-u policies and example prices.
The profile you choose updates the see-u price tables, hospital shortlist and alternative-policy comparison below.
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.
Need a see-u price for your circumstances? Compare see-u with cover across all Australian health funds.
Compare my optionsHospital cover
7 product lines
Extras cover
4 product lines
see-u sells Simple 50 and Simple 60 only with certain see-u hospital policies.
see-u joining offer
Up to 6 weeks free plus a joining perk
Join eligible hospital and extras cover by 1 November 2026. Most covers get 4 weeks free, and Premium Hospital Non-Obstetrics (Silver Plus) with extras gets up to 6 weeks. You also choose one perk: a gift card worth up to $250 or an extras waiting period waiver. The waiver covers the 2 and 6 month extras waits.
For new members joining eligible combined hospital and extras cover directly with see-u who have not received a see-u by HBF joining offer or discount in the last 18 months.
Ends 1 November 2026
Offer termsOffer information checked: 27 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.
see-u eligibility and offer terms
Available through see-u's website or call centre. Do not assume this offer applies when joining through another comparison service. Eligibility and other conditions apply.
Enter promo code GIFT CARD for the gift card or WAITS WAIVED for the extras waiting period waiver when you join. If no valid code is entered, the waiting period waiver applies.
4 weeks free is applied after 8 weeks of continuous eligible cover. Premium Hospital Non-Obstetrics (Silver Plus) with extras gets a further 2 weeks free at month 13. The policy must be on direct debit.
Gift card values depend on the hospital cover and membership type, from $50 up to $250.
The waiver applies to the extras part of the policy only. Hospital waiting periods and any extras waiting periods longer than 6 months still apply.
Related insurer
Also considering HBF?
see-u and HBF-branded health cover share an issuer, but their policy benefits, prices and joining offers can differ.
An HBF-branded policy is not a see-u policy. Check the exact product and terms before joining.
Explore HBF-branded coverWhat does see-u hospital insurance cover?
1 see-u hospital policy fully covers cataracts
Single · NSW · $500 hospital excess. Only policies that fully include cataracts are shown. How we read hospital categories
Compare selected treatment categories across all 7 hospital policies
Selected see-u treatment categories.
More premium does not mean more back on everything.
see-u extras limits per 12 months unless the statement says otherwise
Single-policy examples. Each links to its policy statement.
Starter Extras → Simple 60
The optical limits move from $150 to $200 for the Single-policy examples. the upgrade adds psychology.The reason to upgrade is the wider benefits you need, not an assumption that every cap rises.
Simple 60's higher benefit examples
The optical examples stay at 100%, with a $200 optical limit and $300 shared physio limit for the Single-policy example.Compare these benefits with the premium.
Why see-u's shared limits and waiting periods matter
Every optical benefit shown has a standard waiting period of 6 months.
see-u vs. Latrobe Health Services vs. Health Partners
How see-u compares with similar hospital policies.
These are selected Silver Plus examples from Latrobe Health Services and Health Partners, not identical policies or a search for the cheapest cover across the market.
Comparing see-u Premium Hospital Non-Obstetrics (Silver Plus) with Latrobe Health Services Complete Silver Plus Hospital and Health Partners Silver Hospital Plus Advantage. Single · NSW · $500 hospital excess · Silver Plus hospital cover
see-u and selected alternatives: monthly prices and verified coverage differences.
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 see-u Premium Hospital Non-Obstetrics (Silver Plus) on tier, cataracts and joint replacements. How we choose alternatives
Compare all 38 hospital treatment categories
see-u and the alternatives: all 38 treatment categories, policy information as at 26 October 2026.
Compare see-u with cover from every Australian health fund.
see-u against the industry.
These figures describe HBF Health Limited, which issues see-u health cover, not see-u customers alone.
HBF members had no gap on 92.7% 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
HBF paid 52.3% 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
HBF increased premiums by an average of 2.15% in 2026, against 4.41% across the industry. Government premium-increase figures · accessed 23 October 2026
4.6 / 5
100 Google reviews
Voluntary customer reviews · see-u
Snapshot: 23 October 2026. This is see-u's listing, not a representative survey.
Complaint share is below market share
Share of all complaints, 2024-254.4%
Market share, 30 June 20257.9%
0%12%
State of the Health Funds Report 2024-25 · checked 26 October 2026
HBF's share of complaints the Ombudsman received in 2024-25 is below its market share at 30 June 2025. Its share of complaints the Ombudsman investigated that year is 5.5%.
Latest quarter, January to March 2026. The Ombudsman referred 34 complaints about HBF Health Limited to it to resolve, 5.1% of those it referred about all insurers. It also investigated 1 complaint about HBF Health Limited, 33.3% of those it investigated about all insurers. Ombudsman Quarterly Update · checked 26 October 2026
Check the practical details.
Check your provider
Confirm that see-u recognises your provider. Ask for a treatment plan and item numbers so see-u can estimate your benefits and out-of-pocket costs.
Make or track a claim
Use see-u's website for claims guidance and member login: receipts, claim tracking and remaining benefits are handled there.
Contact see-u
For general enquiries, call 1300 499 260. Monday to Friday 8am to 5pm, except Tuesdays 9am to 4:30pm (AEST).Contact details checked 6 October 2026.Official contact details and messaging options
Before you choose see-u.
What is the cheapest see-u hospital policy?
Premium Hospital Non-Obstetrics (Silver Plus) is the cheapest see-u hospital policy for a single person in NSW with a $500 hospital excess, at $203.15 a month after the 24.118% government rebate for adults under 65 (prices effective 30 April 2026). This compares all 7 see-u hospital policies, not the whole market. Check what it excludes before choosing on price.
Source: How we compare prices, checked 26 October 2026.
Sources for see-u.
Policy information retrieved 26 October 2026. Prices effective 30 April 2026.
Private Health Information Statements · see-u · checked 26 October 2026
State of the Health Funds Report 2024-25 · HBF · checked 26 October 2026
Government insurer profile · HBF · checked 23 October 2026
Government premium-increase figures · HBF · checked 23 October 2026
Government rebate rates and eligibility · Australian Government · checked 26 October 2026
Google listing · see-u · checked 23 October 2026
Official contact details · see-u · checked 6 October 2026
Offer terms · see-u · checked 27 October 2026
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