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ING Health Insurance

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Make your health cover roar With ING Health Insurance.

Grab a healthy saving with ING Health Insurance

Get quality cover that suits your lifestyle from Australia's most recommended bank.

Why ING Health Insurance?
Cover choices explained

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.

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ING Basic Plus Hospital

Cover 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 Hospital

Cover 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 Hospital

Cover 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 Hospital

Cover 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 Hospital

Comprehensive cover for the full list of services including pregnancy and birth.

The full shebang which needs to be combined with an Extras product.

Excess
$500/$750 $500/$750 $500/$750 $500/$750 $750
All covers include

Private hospital accomodation

Choice of specialist

Accidental injury benefit

Emergency Ambulance cover
Compare clinical services

Tonsils, adenoids and grommets

Dental surgery

Gastrointestinal endoscopy

Gynaecology

Hernia and appendix

Joint reconstructions

Male reproductive system

Miscarriage and termination of pregnancy

Hospital psychiatric services
MBP MBP MBP MBP

Palliative care
MBP MBP MBP

Rehabilitation

MBP MBP

Blood

Bone, joint and muscle

Brain and nervous system

Breast surgery (medically necessary)

Chemotherapy, radiotherapy and immunotherapy for cancer

Diabetes management (excluding insulin pumps)

Digestive system

Ear, nose and throat

Eye (not cataracts)

Kidney and bladder

Pain management

Skin

Lung and chest

Podiatric surgery (provided by a registered podiatric surgeon)

Back, neck and spine

Heart and vascular system

Implantation of hearing devices

Plastic and reconstructive surgery (medically necessary)

Cataracts

Dialysis for chronic kidney failure
Joint replacements
Assisted reproductive services
Pain management with device
Insulin pumps
Pregnancy and birth
Sleep studies
Weight loss surgery

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 Extras

Just the Extras people use most like optical, dental and physio.

Fuss-free cover for those looking to keep your general health in check. 60% back on each visit up to your annual limit.
Everyday Extras

A 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 60% back on each visit up to your annual limit.
Everyday Advanced Extras

Cover 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 60% back on each visit up to your annual limit.
Premium Extras

Our 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 75% back on each visit up to your annual limit.
Percentage Back
60% 60% 60% 75%
Compare Extras services (values are annual limits)
Ambulance services
Unlimited Unlimited Unlimited Unlimited
General dental treatment
$500 $600 $700 $1,000
Major dental treatment
$400 $600 $700 $1,200
Physiotherapy
$300 combined limit with Chiropractic / Osteopathy $300 $350 $500
Chiropractic / Osteopathy
$300 combined limit with Physiotherapy $300 $350 $400
Optical
$200 $250 $250 $300
Psychology
$150 $300 $300 $400
Preventative tests
$150 $150 $200
Natural Therapies (including Acupuncture, Myotherapy and Chinese herbalism)
$150 combined limit $150 combined limit $200 combined limit
Remedial massage
$150 $150 $200
Dietary advice
$300 $300 $350
Exercise physiology
$200 $200 $250
Healthier Lifestyle benefit (including gym memberships, personal training, quit smoking and weight loss programs)
$150 $150 $200
Health Aids - Everyday
$250 combined limit
Health Aids - Advanced
$250 combined limit
Health aids - Premium
$400 combined limit
Orthodontia
$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
$200 $450
Podiatry / Orthotics
$250 $400
Occupational therapy
$250 $300
Speech pathology (speech therapy)
$250 $300
Hearing aids / Speech processors
$1,200
Antenatal and Postnatal services
$250
Eye therapy (orthotics)
$200
Home nursing services
$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 July 2026

.

ING Customer Eligibility and Name-Screening document

ING Privacy Policy

nib Privacy Policy

Health Insurance Quiz

ING Health Insurance Quiz

Get a 'yeah' or 'nah' on if you could benefit from ING Health Insurance

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?
Take the short quiz
We've made switching simple

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

Get a quote

Rather talk? Call 1800 111 831. Operating hours.

About Health Insurance

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.

Private healthcare

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.

Medicare levy surcharge

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.

Lifetime health cover

Age-based discounts

If you're aged 18 - 29, you may be entitled to receive a discount on your own Hospital cover.

Age-based discounts
Member services at your service 24/7

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

Login now

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.

Find a provider

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.

Login now