The report provides an update on competition and consumer issues in the Australian private health insurance industry between 1 July 2024 and 30 June 2025. The report focuses on continued insurer actions taken to return profits to policyholders which were gained from fewer claims during the COVID-19 pandemic, as well as relevant Australian Competition and Consumer Commission (ACCC) enforcement action, competition exemptions, and exclusive dealing notifications related to the private health insurance industry.

Key findings

• Insurers continued to return permanent claims savings from COVID-19 restrictions to policyholders towards meeting their public commitments not to profit from the pandemic.
• A small proportion of insurers still have planned givebacks totalling around $290 million to return further permanent claims savings to policyholders.
• The combined figure for all insurer givebacks totals around $5.06 billion, which exceeds the insurers’ combined assessed permanent claims savings of around $4.84 billion.
• The ACCC received 186 contacts (enquiries and reports) about private health insurance in 2024–25, a 22% increase from 2023–24. 

The report is accompanied by an audio option.