How to enter our $7,500 Lucky Draw?
Get a quote
Request an eligible ING Health Insurance quote by 30 November 2026. No purchase required.
Complete your details
Provide a valid email address and phone number during the quote process.
You're in!
It's that simple! You're in the draw to win one of three $7,500 cash prizes.
We'll draw the winners on 7 December 2026
If you're one of the three lucky winners, we'll let you know within seven days of the draw and, once verified, deposit the $7,500 into your nominated account within 90 days.
We'll announce the draw winners here!
Why choose ING Health Insurance?
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Cover options to suit your lifestyle
Whether it's just for the basics or cover for the whole family, we've got options. Plus enjoy an ongoing 4% discount for direct debit payments.
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Gold member treatment
1. Use a specialist from the MediGap scheme who won't charge a gap fee.
2. Take advantage of the no gap agreements for certain procedures including knee and hip replacements.
3. Find out how you can get Gold-level Hospital benefits if you have an accident with our Accidental Injury Benefit.
4. For great peace of mind in case of accidents, all covers includes unlimited emergency ambulance (excluding those covered by state ambulance schemes).
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No surprises on Extras
Go to any provider with recognised professional qualifications for Extras like dental and physio. Plus get up to 60 - 75% back depending on your level of cover.
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Easy switching
Switching from another provider is simple and easy. We'll get the transfer paperwork started for you. And you don't need to
re-serve waiting periods you've already served for the same level of cover. -
Emergency ambulance
For great peace of mind in case of accidents, all covers includes unlimited emergency ambulance (excluding those covered by state ambulance schemes).
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Claims made simple
Claim online anytime it suits. If you can't claim on the spot, simply upload a picture of your receipt and we'll do the rest. Check on your activity and limits with a few clicks.
See our Policy Booklet for general terms of ING Health Insurance cover and our product Fact Sheets for specific cover details, waiting periods and exclusions. Check ING's Customer Eligibility and Name Screening document to understand ING's regulatory obligations and how we use your information to comply.
Important informationSelect your cover options and get a quote in less than 2 minutes
Rather talk? Call 1800 111 831. For operating hours, contact us here.
Cover choices explained
With ING Health Insurance you can buy Hospital and Extras covers together or separately. There are five Hospital covers and four Extras covers to suit a range of budgets and health needs.
Hospital cover
Extras cover
Hospital cover helps you avoid public hospital waiting lists and pays toward the cost of private treatment.
Cover helps pay for those visits to healthcare professionals that keep you healthy.
Extras cover is for non-hospital services like dental, optical and physio.
ING Basic Plus HospitalCover for accidents and unlimited emergency ambulance. Includes cover for services like tonsils, adenoids, grommets and dental surgery. Great for young, fit and healthy customers looking to spend the minimum on health cover. |
ING Bronze Plus HospitalCover for accidents and unlimited emergency ambulance plus a wide range of common services, including ear, nose and throat and chemotherapy. Budget-friendly cover for those looking for a wider range of coverage. |
ING Silver HospitalCover for the most commonly claimed services plus a few additional services like heart, and rehabilitation. Great value mid-level cover without paying for pregnancy and birth. |
ING Silver Plus HospitalCover for a comprehensive list of services plus additional like eye and cataract treatments and joint reconstructions/replacements. A higher level of cover without paying for pregnancy and birth. |
ING Gold HospitalComprehensive cover for the full list of services including pregnancy and birth. The full shebang which needs to be combined with an Extras product. |
Excess |
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|---|---|---|---|---|
| $500/$750 | $500/$750 | $500/$750 | $500/$750 | $750 |
| All covers include | ||||
Private hospital accomodation |
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Choice of specialist |
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Accidental injury benefit |
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Emergency Ambulance cover |
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| Compare clinical services | ||||
Tonsils, adenoids and grommets |
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Dental surgery |
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Gastrointestinal endoscopy |
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Gynaecology |
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Hernia and appendix |
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Joint reconstructions |
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Male reproductive system |
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Miscarriage and termination of pregnancy |
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Hospital psychiatric services |
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| MBP | MBP | MBP | MBP | |
Palliative care |
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| MBP | MBP | MBP | ||
Rehabilitation |
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| MBP | MBP | |||
Blood |
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Bone, joint and muscle |
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Brain and nervous system |
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Breast surgery (medically necessary) |
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Chemotherapy, radiotherapy and immunotherapy for cancer |
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Diabetes management (excluding insulin pumps) |
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Digestive system |
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Ear, nose and throat |
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Eye (not cataracts) |
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Kidney and bladder |
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Pain management |
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Skin |
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Lung and chest |
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Podiatric surgery (provided by a registered podiatric surgeon) |
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Back, neck and spine |
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Heart and vascular system |
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Implantation of hearing devices |
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Plastic and reconstructive surgery (medically necessary) |
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Cataracts |
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Dialysis for chronic kidney failure |
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Joint replacements |
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Assisted reproductive services |
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Pain management with device |
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Insulin pumps |
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Pregnancy and birth |
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Sleep studies |
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Weight loss surgery |
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Important Information
Cancer treatment in hospital - it is important to be aware that health insurance will only cover the portion of costs that relate to an admission to hospital. Specialist fees outside of hospital or other outpatient fees in relation to chemotherapy or radiotherapy aren't covered. High cost drugs are sometimes requested for the Treatment of some cancers. Typically high-cost drugs are for newer Treatments that are not recognised by the Pharmaceutical Benefit Scheme (PBS) because the PBS considers them to be still under clinical trial and therefore experimental Treatments. Health insurance will not cover high cost drugs for the same reasons (or may only cover a small portion of the cost). It is the responsibility of the treating doctor, and Hospital, to inform Patients about the potential for large out-of-pockets as a result of high cost drugs.
Minimum Benefits Payable (MBP) means that we will pay the minimum amount of benefits that we are required to pay under the Private Health Insurance Act, to or on behalf of a customer for hospital treatment under a Hospital cover. If you're attending a Private Hospital for these services, there will be significant out-of-pocket costs.
INCL - Hospital Treatment provided by a registered Podiatric Surgeon is limited to cover for accommodation and prosthetic devices. No benefits are payable for Podiatric Surgeon fees, medical specialist fees (e.g. Anaesthetist) or theatre costs. Refer to the Policy Booklet for more information.
Essential ExtrasJust the Extras people use most like optical, dental and physio. Fuss-free cover for those looking to keep your general health in check. Up to 60% back on each visit up to your annual limit. |
Everyday ExtrasA little bit more cover to get your preventative game on including health management covering things like prescribed gym memberships and quit smoking programs. Budget friendly cover giving you up to 60% back on each visit up to your annual limit. |
Everyday Advanced ExtrasCover for a wide range of Extras services and therapies including orthodontics and podiatry with higher annual limits. Affordable cover to suit the whole family giving you up to 60% back on each visit up to your annual limit. |
Premium ExtrasOur highest level of Extras cover to suit the whole family featuring an extensive range of services from cover for braces and orthotics to pre and post natal service. Premium cover with up to 75% back on each visit up to your annual limit. |
Percentage Back |
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|---|---|---|---|
| up to 60% back¹ | up to 60% back¹ | up to 60% back¹ | up to 75% back¹ |
| Compare Extras services (values are annual limits) | |||
Ambulance services |
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| Unlimited | Unlimited | Unlimited | Unlimited |
General dental treatment |
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| $500 | $600 | $700 | $1,000 |
Major dental treatment |
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| $400 | $600 | $700 | $1,200 |
Physiotherapy |
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| $300 combined limit with Chiropractic / Osteopathy | $300 | $350 | $500 |
Chiropractic / Osteopathy |
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| $300 combined limit with Physiotherapy | $300 | $350 | $400 |
Optical |
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| $200 | $250 | $250 | $300 |
Psychology |
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| $150 | $300 | $300 | $400 |
Preventative tests |
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| $150 | $150 | $200 | |
Natural Therapies (including Acupuncture, Myotherapy and Chinese herbalism) |
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| $150 combined limit | $150 combined limit | $200 combined limit | |
Remedial massage |
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| $150 | $150 | $200 | |
Dietary advice |
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| $300 | $300 | $350 | |
Exercise physiology |
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| $200 | $200 | $250 | |
Healthier Lifestyle benefit (including gym memberships, personal training, quit smoking and weight loss programs) |
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| $150 | $150 | $200 | |
Health Aids - Everyday |
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| $250 combined limit | |||
Health Aids - Advanced |
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| $250 combined limit | |||
Health aids - Premium |
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| $400 combined limit | |||
Orthodontia |
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| $500 (Increasing by $100 per calendar year to a lifetime limit of $1700) | $800 (Increasing by $100 per calendar year to a lifetime limit of $2500) | ||
Pharmaceutical prescriptions |
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| $200 | $450 | ||
Podiatry / Orthotics |
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| $250 | $400 | ||
Occupational therapy |
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| $250 | $300 | ||
Speech pathology (speech therapy) |
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| $250 | $300 | ||
Hearing aids / Speech processors |
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| $1,200 | |||
Antenatal and Postnatal services |
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| $250 | |||
Eye therapy (orthotics) |
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| $200 | |||
Home nursing services |
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| $200 | |||
Documents and forms
Below are some of the documents important for you to consider. For the full list of documents click 'view more' below.
Health Insurance Policy Booklet
General terms and important information about ING Health Insurance effective 1 October 2026.
ING Customer Eligibility and Name-Screening document
ING Health Insurance Quiz
Take our Health Insurance quiz and find out in a few minutes whether you could benefit from private health insurance - or not.
- How does my age affect health insurance?
- Should I take out Hospital, Extras or both?
- Which Extra's services do I value most?
- If I go to hospital, what are some of the benefits of having Private health Insurance?
- Am I eligible for government discounts?
- What Australian government levies, surcharges and loadings might I be up for if I don't have private health insurance?
We've made switching simple
With ING Health Insurance we'll recognise any waiting periods you've already served for the same services with your previous health fund. Find out more
1. Get a quote
Answer a few simple questions online to review cover options and prices.
2. Review and purchase
Choose your preferred cover and let us know the name of your old insurer.
3. Let us start your transfer
We'll contact your previous insurer and get the transfer paperwork started.
Select your cover options and get a quote in less than 2 minutes
Rather talk? Call 1800 111 831. Operating hours.
About Health Insurance
Private healthcare 101
The medical system and private health insurance can seem complicated. So here's a quick overview of the key things to know.
Medicare levy surcharge (MLS)
Depending on your income, holding Hospital cover for the full financial year could help you save an extra 1 - 1.5% in tax.
Lifetime health cover loading
If you get Hospital cover before 1 July following your 31st birthday, you'll avoid a loading being applied to your premium by LHC over the long term of your policy holding.
Age-based discounts
If you're aged 18 - 29, you may be entitled to receive a discount on your own Hospital cover.
Member services at your service 24/7
To make life easier, you can manage your ING Health Insurance policy online anytime around the clock.
See what you're covered for
Access your policy documents
Make a claim
Review your claims history
Check your remaining benefits
Update payment details and frequency
View payment history
Download your tax statement
Update your personal details
Change your government rebate tier
Order a new card
Most Extras healthcare providers offer on-the-spot claiming. Simply swipe your ING Health Insurance card and pay any difference between the provider's fee and the benefit we pay.
If you forget your card, no worries. Keep a copy of the official provider receipt and upload a scanned copy or photo of it to member services.
For all the details on cover and claims, check your Policy Booklet.
We've partnered with nib to provide members with access to a number of arrangements to help minimise out-of-pocket-expense when you need to go to hospital.
How to help reduce your out of pocket expenses with your Hospital cover:
Use a specialist from the MediGap scheme who won't charge a gap fee.
Take advantage of the no gap agreements for certain procedures including knee and hip replacements.
Choose an Agreement Hospital to keep costs down.
How to make the most of your Extras cover:
You can visit any healthcare professional you choose as long as their qualifications are recognised by our partner nib.
Use the network of First Choice dentists, optometrists and physiotherapists who have agreed they will deliver quality care and value for money.
Use the Going to Hospital tool to make sure you're covered for an upcoming hospital visit. It's easy, and only takes a few minutes.
Check your procedure is covered
Find a specialist
Choose the right hospital
Learn how to avoid unexpected bills
Look for 'Going to Hospital' in your member account to do a cover check and see cost information for your procedure.
