2016 Premium Round Individual private health insurer average premium increases

This page provides a summary of the Private Health Insurance Premium approval process and outcomes. It contains summaries of Premium increases from 2010 onwards and a guide to the premium approval process

Page last updated: 02 March 2016

2016 Premium Round Individual Insurer Average Premium Increases (PDF 35 KB)
2015 Premium Round Individual Insurer Average Premium Increases (PDF 71 KB)
2014 Premium Round Individual Insurer Average Premium Increases (PDF 196 KB)
2013 Premium Round Individual Insurer Average Premium Increases (PDF 63 KB)
2012 Premium Round Individual Insurer Average Premium Increases (PDF 17 KB)
2011 Premium Round Individual Insurer Average Premium Increases (PDF 16 KB)
2010 Premium Round Individual Insurer Average Premium Increases (PDF 11 KB)

2016



Insurer
Average Increase with rate protection
ACA Health Benefits Fund Ltd
6.19%
Australian Unity Health Ltd
5.05%
BUPA Australia Pty Ltd
5.69%
CBHS Health Fund Ltd
5.92%
Cessnock District Health Benefits Fund Ltd
6.19%
CUA Health Fund Ltd
8.95%
Defence Health Ltd
5.48%
Doctor's Health Fund Pty Ltd, The
3.76%
GMHBA Ltd
5.44%
Grand United Corporate Health Ltd
4.26%
HBF Health Ltd
4.94%
Health Care Insurance Ltd
6.90%
Health Insurance Fund of Australia Ltd
6.55%
Health Partners Ltd
7.14%
Health.com.au Pty Ltd
8.81%
Hospitals Contribution Fund of Australia Ltd, The
5.42%
Latrobe Health Services Ltd
5.52%
Lysaght Peoplecare Ltd
4.38%
Medibank Private Ltd
5.64%
Mildura District Hospital Fund Ltd
6.74%
National Health Benefits Australia Pty Ltd
5.28%
Navy Health Ltd
5.50%
NIB Health Funds Ltd
5.55%
Phoenix Health Fund Ltd
5.72%
Police Health Ltd
4.81%
Queensland Country Health Fund Ltd
4.91%
Queensland Teachers' Union Health Fund Ltd
7.15%
Railway & Transport Health Fund Ltd
5.61%
Reserve Bank Health Society Ltd
5.37%
St Luke's Medical & Hospital Benefits Association Ltd
5.89%
Teachers Federation Health Ltd
4.97%
Transport Health Pty Ltd
6.49%
Westfund Ltd
5.94%
INDUSTRY WEIGHTED AVERAGE
5.59%

2015

InsurerAverage Increase with Rate Protection
ACA Health Benefits
4.96%
Australian Unity Health
6.26%
BUPA
5.59%
CBHS Health Fund
6.58%
Cessnock District Health
6.99%
CUA Health
6.35%
Defence Health
5.62%
Doctors Heath Fund
3.98%
GMHBA
6.43%
Grand United Corporate Health
4.32%
HBF Health
5.96%
HCF
6.57%
Health Care Insurance
6.12%
Health Insurance Fund
4.49%
Health Partners
5.76%
Health.com.au
6.81%
Healthguard Health Benefits
5.31%
Latrobe
6.15%
Lysaght Peoplecare
6.08%
Medibank Private
6.59%
Mildura District Hospital Fund
6.14%
National Health Benefits Australia
6.26%
Navy
4.50%
NIB Health Funds
6.55%
Phoenix Health Fund
6.48%
Police Health
4.48%
Queensland Country Health
4.77%
Queensland Teachers Union
6.36%
Railway and Transport Health Fund
6.17%
Reserve Bank Health Society
4.88%
St Luke’s
6.27%
Teachers Federation Health
6.86%
Transport Health
4.84%
Westfund
7.92%
Industry Weighted Average
6.18%

2014

Insurer
Average Increase with rate protection
ACA Health Benefits Fund Ltd
5.78%
Australian Unity Health Ltd
6.62%
BUPA Australia Pty Ltd
6.35%
CBHS Health Fund Ltd
5.61%
Cessnock District Health Benefits Fund Ltd
5.36%
CUA Health Fund Ltd
5.47%
Defence Health Ltd
5.34%
Doctor's Health Fund Pty Ltd, The
4.23%
GMHBA Ltd
5.94%
Grand United Corporate Health Ltd
3.46%
HBF Health Ltd
3.72%
Health Care Insurance Ltd
5.34%
Health Insurance Fund of Australia Ltd
2.98%
Health Partners Ltd
3.14%
Health.com.au Pty Ltd
6.13%
Healthguard Health Benefits Fund Ltd
4.95%
Hospitals Contribution Fund of Australia Ltd, The
6.89%
Latrobe Health Services Ltd
5.98%
Lysaght Peoplecare Ltd
5.82%
Medibank Private Ltd
6.49%
Mildura District Hospital Fund Ltd
3.65%
National Health Benefits Australia Pty Ltd
4.50%
Navy Health Ltd
4.53%
NIB Health Funds Ltd
7.99%
Phoenix Health Fund Ltd
6.52%
Police Health Ltd
4.81%
Queensland Country Health Fund Ltd
5.85%
Queensland Teachers' Union Health Fund Ltd
4.50%
Railway & Transport Health Fund Ltd
4.80%
Reserve Bank Health Society Ltd
4.39%
St Luke's Medical & Hospital Benefits Association Ltd
6.33%
Teachers Federation Health Ltd
5.42%
Transport Health Pty Ltd
5.90%
Westfund Ltd
3.25%
Industry Weighted Average
6.20%

2013

InsurerAverage increase
ACA Health Benefits Fund Limited
5.89%
Australian Unity Health Limited
5.23%
BUPA Australia Pty Limited
5.80%
CBHS Health Fund Limited
4.59%
Cessnock District Health Benefits Fund Limited
5.55%
CUA Health Limited
4.62%
Defence Health Limited
4.02%
The Doctors’ Health Fund Pty Limited
3.78%
GMHBA Limited
5.23%
Grand United Corporate Health Limited
3.23%
HBF Health Limited
3.75%
Health Care Insurance Limited
3.95%
Health Insurance Fund of Australia Limited
4.47%
Healthguard Health Benefits Fund Limited
3.86%
Health Partners Limited
3.40%
Health.com.au Pty Limited
5.76%
The Hospitals Contribution Fund of Australia Limited
5.74%
Latrobe Health Services Limited
6.21%
Lysaght Peoplecare Limited
6.81%
Medibank Private Limited
6.20%
Mildura District Hospital Fund Limited
5.75%
National Health Benefits Australia Pty Limited
5.54%
NIB Health Funds Limited
6.50%
Navy Health Limited
4.80%
Phoenix Health Fund Limited
5.47%
Police Health Limited
4.09%
Queensland Country Health Fund Limited
4.59%
Queensland Teachers’ Union Health Fund Limited
4.50%
Railway & Transport Health Fund Limited
4.29%
Reserve Bank Health Society Limited
4.31%
St Luke's Medical & Hospital Benefits Association Limited
3.96%
Teachers Federation Health Limited
4.10%
Transport Health Pty Limited
6.77%
Westfund Limited
3.48%
Industry
5.60%

2012

Insurer
Average Premium Increase
Industry
5.06%
ACA Health Benefits Fund Limited
5.47%
Australian Health Management Group Pty Limited
4.70%
Australian Unity Health Limited
4.55%
Bupa Australia Pty Limited
4.91%
CBHS Health Fund Limited
5.31%
Cessnock District Health Benefits Fund Limited
5.83%
CUA Health Limited
7.85%
Defence Health Limited
3.93%
The Doctors' Health Fund Limited
5.66%
GMHBA Ltd
5.17%
Grand United Corporate Health Limited
3.17%
HBF Health Limited
5.85%
The Hospitals Contribution Fund of Australia Limited
5.94%
Health Care Insurance Limited
5.54%
Healthguard Health Benefits Fund Limited
3.99%
Health Insurance Fund of Australia Limited
5.35%
Health Partners Limited
5.44%
Latrobe Health Services Limited
5.31%
Lysaght Peoplecare Limited
5.93%
Medibank Private Limited
4.70%
Mildura District Hospital Fund Limited
2.19%
National Health Benefits Australia Pty Limited
5.64%
NIB Health Funds Limited
5.50%
Navy Health Limited
3.35%
Phoenix Health Fund Limited
6.98%
Police Health Limited
4.96%
Queensland Country Health Fund Limited
4.38%
Queensland Teachers' Union Health Fund Limited
3.96%
Railway & Transport Health Fund Limited
5.74%
Reserve Bank Health Society Limited
4.89%
St Luke's Medical and Hospital Benefits Association Limited
3.16%
Teachers Federation Health Limited
4.68%
Transport Health Pty Limited
7.69%
Westfund Limited
5.19%

    2011

    Insurer
    Average Premium Increase
    Industry
    5.56%
    ACA Health Benefits Fund Limited
    4.88%
    Australian Health Management Group Pty Limited
    6.94%
    Australian Unity Health Limited
    4.91%
    Bupa Australia Pty Limited
    5.14%
    CBHS Health Fund Limited
    7.12%
    Cessnock District Health Benefits Fund Limited
    6.66%
    CUA Health Limited
    7.36%
    Defence Health Limited
    3.98%
    The Doctors' Health Fund Limited
    5.58%
    GMHBA Ltd
    5.68%
    Grand United Corporate Health Limited
    2.53%
    HBF Health Limited
    5.85%
    The Hospitals Contribution Fund of Australia Limited
    6.41%
    Health Care Insurance Limited
    7.40%
    Healthguard Health Benefits Fund Limited
    4.84%
    Health Insurance Fund of Australia Limited
    4.47%
    Health Partners Limited
    6.61%
    Latrobe Health Services Limited
    5.28%
    Lysaght Peoplecare Limited
    4.94%
    Manchester Unity Australia Ltd
    5.38%
    Medibank Private Limited
    5.35%
    Mildura District Hospital Fund Limited
    4.56%
    National Health Benefits Australia Pty Limited
    5.64%
    NIB Health Funds Limited
    6.19%
    Navy Health Limited
    3.70%
    Phoenix Health Fund Limited
    4.43%
    Police Health Limited
    5.51%
    Queensland Country Health Fund Limited
    4.89%
    Queensland Teachers' Union Health Fund Limited
    4.94%
    Railway & Transport Health Fund Limited
    14.38%
    Reserve Bank Health Society Limited
    1.50%
    St Luke's Medical and Hospital Benefits Association Limited
    4.79%
    Teachers Federation Health Limited
    4.89%
    Transport Health Pty Limited
    6.34%
    Westfund Limited
    5.94%

2010

Insurer
Average Premium Increase
Industry
5.78%
ACA Health Benefits Fund Limited
4.89%
Australian Health Management Group Pty Limited
6.94%
Australian Unity Health Limited
6.68%
Bupa Australia Pty Limited
5.39%
CBHS Health Fund Limited
7.14%
Cessnock District Health Benefits Fund Limited
5.29%
CUA Health Limited
9.48%
Defence Health Limited
4.90%
The Doctors' Health Fund Limited
6.91%
GMHBA Ltd
7.95%
Grand United Corporate Health Limited
2.32%
HBF Health Limited
4.95%
The Hospitals Contribution Fund of Australia Limited
5.94%
Health Care Insurance Limited
6.52%
Healthguard Health Benefits Fund Limited
3.92%
Health Insurance Fund of Australia Limited
4.50%
Health Partners Limited
7.72%
Latrobe Health Services Limited
4.53%
Lysaght Peoplecare Limited
6.30%
MBF Australia Ltd
5.62%
MBF Alliances Pty Ltd
4.73%
Medibank Private Limited
5.74%
Macnchester Unity Australia Ltd
5.58%
Mildura District Hospital Fund Limited
4.67%
National Health Benefits Australia Pty Limited
6.49%
NIB Health Funds Limited
5.95%
Navy Health Limited
3.81%
Phoenix Health Fund Limited
6.07%
South Australian Police Employees' Health Fund Inc
15.52%
Queensland Country Health Fund Limited
4.49%
Queensland Teachers' Union Health Fund Limited
5.97%
Railway & Transport Health Fund Limited
8.97%
Reserve Bank Health Society Limited
5.00%
St Luke's Medical and Hospital Benefits Association Limited
5.27%
Teachers Federation Health Limited
5.93%
Transport Health Pty Limited
6.51%
Westfund Limited
6.42%