If you`re worried about taxes, private hospital coverage can help you avoid the Medicare Levy Surcharge at tax time, if you`re entitled. Read more Suncorp Health Insurance gives you the certainty that if necessary, you can access private treatment in Australia without having to join a waiting list at a public hospital. Suppose you injure your knee during netball and need to be operated on – you can find a specialist and have the operation operated on in a private hospital without having to wait in public hospitals. For most private health insurance, you can choose a level of coverage to pay for some of the costs of medical care and care such as hospital care and everyday health services, such as optical and dental services.