Protect Your Health & Wellbeing with Real Insurance
For over 18 years, Real Insurance has been committed to one clear mission: protecting the quality of life for Australians. Offering a wide range of products—including life, health, home, car, pet, and travel insurance—the company delivers trusted service and real value to its customers.
Since its founding in 2005, Real Insurance has believed that protection goes beyond just price. This philosophy is reflected in its value-focused products, dedicated customer service, and a strong culture built on trust. Over the years, this approach has supported thousands of families and earned recognition through respected industry awards.
Why Choose Real Insurance?
Wellness Support
Benefit from programs designed to promote healthy lifestyles and overall wellbeing.
Preventive Care Programs
Stay ahead with services and initiatives focused on prevention and early detection.
Wide Provider Network
Access a large network of hospitals, specialists, and allied health professionals for quality care.
Flexible Coverage Options
Choose plans tailored to your needs, whether for individuals, families, or couples.
Quick Claims Processing
Enjoy fast and hassle-free claims for a smoother healthcare experience.
Member-Focused Service
Receive personalised support and guidance from a dedicated customer care team.
Our Health Fund Partners
Ready to Get Covered?
Health Insurance FAQs
What is the Medicare Levy Surcharge?
The MLS is an additional tax of 1-1.5% for high-income earners who don’t have private hospital cover. Having hospital cover can save you money if you earn above the threshold.
What are waiting periods?
Waiting periods are the time you must wait before you can claim benefits. Most funds have 2 months for extras, 12 months for pre-existing conditions, and 12 months for pregnancy.
Can I claim on day one?
For accidents, you can usually claim immediately. For general treatments, you’ll need to wait until your waiting periods have been served.
What is Lifetime Health Cover?
LHC means if you don’t take out hospital cover by July 1 after your 31st birthday, you’ll pay 2% extra on your premiums for every year you delay, up to a maximum of 70%.