Average premium increases by insurer by year

This page provides information about average private health insurance premium increases by insurer by year.

Page last updated: 10 February 2017

Please note an individual’s product premium increase may be above or below the industry’s or their insurer’s average increase. Insurers inform their members in writing of the exact premium increase for their particular policy.



While the figures represent the average premium increase, this is not indicative of what every consumer may experience. Some products may offer either a lower or a higher increase.

PDF version: Premium Round Individual Insurer Average Premium Increases – 2010 to 2017 (PDF 59 KB)
Insurer Average increase with rate protection (%)
2010 2011 2012 2013 2014 2015 2016 2017

ACA Health Benefits Fund Ltd

4.89
4.88
5.47
5.89
5.78
4.96
6.19
4.70

Australian Health Management Group Pty Ltd

6.94
6.94
4.70
NA
NA
NA
NA
NA

Australian Unity Health Ltd

6.68
4.91
4.55
5.23
6.62
6.26
5.05
4.46

Bupa HI Pty Ltd

5.39
5.14
4.91
5.80
6.35
5.59
5.69
4.90

CBHS Corporate Health Pty Ltd

NA
NA
NA
NA
NA
NA
NA
2.98

CBHS Health Fund Ltd

7.14
7.12
5.31
4.59
5.61
6.58
5.92
3.29

Cessnock District Health Benefits Fund Ltd

5.29
6.66
5.83
5.55
5.36
6.99
6.19
6.57

CUA Health Ltd

9.48
7.36
7.85
4.62
5.47
6.35
8.95
4.97

Defence Health Ltd

4.90
3.98
3.93
4.02
5.34
5.62
5.48
5.51

Doctors' Health Fund Pty Ltd, The

6.91
5.58
5.66
4.45
4.23
3.98
3.76
3.54

GMHBA Ltd

7.95
5.68
5.17
5.23
5.94
6.43
5.44
4.94

Grand United Corporate Health Ltd

2.32
2.53
3.17
3.23
3.46
4.32
4.26
4.11

HBF Health Ltd

4.95
5.85
5.85
3.75
3.72
5.96
4.94
5.96

Health Care Insurance Ltd

6.52
7.40
5.54
3.97
5.34
6.12
6.90
6.06

Health Insurance Fund of Australia Ltd

4.50
4.47
5.35
4.47
2.98
4.49
6.55
7.99

Health Partners Ltd

7.72
6.61
5.44
3.40
3.14
5.76
7.14
5.10

health.com.au Pty Ltd

NA
NA
NA
5.76
6.13
6.81
8.81
8.53

Healthguard Health Benefits Fund Ltd

3.92
4.84
3.99
3.86
4.95
5.31
NA
NA

Hospitals Contribution Fund of Australia Ltd, The

5.94
6.41
5.94
5.74
6.89
6.57
5.42
3.65

Latrobe Health Services Ltd

4.53
5.28
5.31
6.21
5.98
6.15
5.52
4.49

Manchester Unity Australia Ltd

5.58
5.38
NA
NA
NA
NA
NA
NA

Medibank Private Ltd

5.74
5.35
4.70
6.20
6.49
6.59
5.64
4.60

MBF Alliances Pty Ltd

4.73
NA
NA
NA
NA
NA
NA
NA

MBF Australia Ltd

5.62
NA
NA
NA
NA
NA
NA
NA

Mildura District Hospital Fund Ltd

4.67
4.56
2.19
5.75
3.65
6.14
6.74
5.95

National Health Benefits Australia Pty Ltd

6.49
5.61
5.64
5.76
4.50
6.26
5.28
5.41

Navy Health Ltd

3.81
3.70
3.35
4.80
4.53
4.50
5.50
4.94

NIB Health Funds Ltd

5.95
6.19
5.50
6.50
7.99
6.55
5.55
4.48

Peoplecare Health Ltd (previously Lysaght Peoplecare Ltd)

6.30
4.94
5.93
6.81
5.82
6.08
4.38
5.09

Phoenix Health Fund Ltd

6.07
4.43
6.99
5.47
6.52
6.48
5.72
5.93

Police Health Ltd (previously South Australian Police Employees’ Health Fund Inc)

15.52
5.51
4.96
4.09
4.81
4.48
4.81
4.63

Queensland Country Health Fund Ltd

4.49
4.89
4.38
4.59
5.85
4.77
4.91
5.15

Queensland Teachers’ Union Health Fund Ltd

5.97
4.94
3.96
4.50
4.50
6.36
7.15
7.30

Railway & Transport Health Fund Ltd

8.97
14.38
5.74
4.29
4.80
6.17
5.61
5.54

Reserve Bank Health Society Ltd

5.00
1.50
4.89
4.31
4.39
4.88
5.37
5.00

St Luke's Medical and Hospital Benefits Association Ltd

5.27
4.79
3.16
3.96
6.33
6.27
5.89
4.99

Teachers Federation Health Ltd

5.93
4.89
4.68
4.10
5.42
6.86
4.97
4.96

Transport Health Pty Ltd

6.51
6.34
7.69
6.77
5.90
4.84
6.49
4.93

Westfund Ltd

6.42
5.94
5.19
3.48
3.25
7.92
5.94
4.96
INDUSTRY WEIGHTED AVERAGE
5.78
5.56
5.06
5.60
6.20
6.18
5.59
4.84
*While the above figures represent the average premium increase, this is not indicative of what every consumer may experience. Some products may offer either a lower or a higher increase.