4 September 2019 - More than half of all health fund members now have the most ­extensive — and expensive — cover, with the introduction of new insurance categories compelling many to upgrade.

Before the much-vaunted launch of gold, silver, bronze and basic categories in April, it was thought that 45 per cent of members had gold-equivalent policies and 45 per cent had the lowest level of cover, with the rest falling somewhere in between.

The new categories were part of a package of reforms that Health Minister Greg Hunt ­heralded as the most significant in a decade, “making insurance simpler and more affordable”.

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