Our products are simple,
great value and
designed for life.

Explore our products
Cover based on a
aged
living in

Extras Only

Lifelong Extras

With 80% back on most benefits and a unique benefit rollover, with Lifelong Extras cover you can rest assured that your supplementary health needs will be taken care of, whenever you need them.

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Hospital & Extras

Lifelong Combined

It’s simple – we’ve combined our top quality hospital and extras cover to give you complete peace of mind. From the routine to the unexpected, with Lifelong Combined you’ll always know we’ve got your back.

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Hospital Only

Lifelong Hospital

If you’re just after some reliable hospital cover, our Lifelong Hospital product is for you. No excesses, co-payments, exclusions or benefit limitation periods – just pick your hospital and recover.

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"I can say this is the best there is! The price is just right for what you get"

EMERGENCY SERVICES HEALTH MEMBER

No Excess.

Keep your money in your pocket with
no excess or co-payments on any of our hospital products.

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Rollover Extras benefits from
one year to the next.

No need to lose it just because
you haven't yet used it.

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Your doctor,
not ours.

Freedom to choose your preferred hospital,
doctor and any other service provider as long as they are recognised.

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Find the right cover for you

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aged
living in

Here to help

Helpguide

Contracted and Recognised Hospitals

Contracted and Recognised Hospitals

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Helpguide

IVF and other Assisted Reproductive Services

Emergency Services Health's Lifelong Hospital and Lifelong Combined includes cover for in-hospital services relating to In vitro

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Helpguide

FAQ: Premium Increase

Premiums have been reviewed by the Minister for Health and will be increasing as of 1 April 2018.

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Helpguide

Pregnancy and private health insurance

If you’re thinking of starting a family, now’s a great time to review your health insurance to make sure you’re happy with, and understand, your co

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Helpguide

Benefit Statements

Just received a benefit statement from us and want to know more? Take a look at these frequently asked questions. 

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Helpguide

Non-recognised hospitals

Regrettably following negotiations, Emergency Services Health through the AHSA have been unable to reach agreement with Toowong Private Hospital on

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Helpguide

Pharmaceutical benefits

Under extras cover you’re eligible to receive pharmaceutical benefits towards prescription items that are not eligible for subsidy under the Govern

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Helpguide

Benefits limit for Extras

Private health insurers generally calculate an average charge for services and set their benefits based on those amounts.

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Helpguide

Your choice of doctor

We give you freedom to choose.

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Helpguide

Medicare Levy Surcharge (MLS)

Medicare Levy Surcharge (MLS) is a levy you should be aware of. Most Australian taxpayers are charged a 2% Medicare Levy.

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