Private health fund switch

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It’s your right to switch private health insurance!

Did you know you can switch health funds at any time? Well you can.

There won’t be a waiting period if you keep the same level of hospital cover, unless your payments are not up to date or if you are already serving a waiting period with your old fund.

Your ‘lifetime health cover’ won’t be affected and your old fund will pay back any money you’ve paid in advance.

Portability rules protect consumers when switching health funds.

Click here for the Private Health Insurance Ombudsman guide on transferring health insurance entitlements between health insurers or policies.

For more information visit or call the Private Health Insurance Ombudsman: 1300 737 299

Switching health funds is quick and easy

  • Phone your new fund and answer the questions they ask. Confirm with your new fund that there will not be a waiting period. Your new fund will contact your old fund directly.
  • The old fund will be asked to send through a transfer certificate with your premium level and conditions.
  • Your new fund will then allow you entry at the same cover level.

Create a conversation with your patient

Help your patients to understand their rights when it comes to health insurance.

Download a PDF copy of the ‘It’s your right to switch‘ poster for your medical practice.