Below are well-known Australian private health insurers and the telehealth / online-doctor services they currently offer. These are good starting points but cover details (who’s eligible, how many no-gap/fully covered consults, waiting periods and whether the service is included on a specific product) vary by policy — always check the policy booklet or contact the insurer before buying.

• Bupa — Blua (Bupa’s digital health platform): 24/7 online doctor appointments, prescriptions, referrals and medical certificates via the Blua app; Bupa has also offered no‑gap telehealth consults for eligible members (limits and eligibility depend on product). (Blua.Bupa.com.au)

• Medibank — Online Doctor / Nurse webchat: Medibank (and its OSHC products) provides 24/7 Online Doctor access in some products (and a 24/7 nurse webchat for members) with video/audio GP consults billed direct to the fund for eligible policies. Product eligibility and member entitlements differ by plan. (medibankoshc.com.au)

• HCF — GP2U partnership: HCF members can access GP2U online GP consultations (bookable video/phone consults, prescriptions/referrals and medical certificates); HCF has offered no-gap or low-fee online consults for eligible members and some regional members. (HCF.com.au)

• NIB — telehealth & partner network: NIB offers telehealth services and partners (e.g., hub.health) to give members access to GP telehealth and other telehealth services (extras such as psychology, physio etc. are also offered by telehealth where your extras cover includes them). Coverage and pricing depend on your product (OSHC and some overseas-worker covers may have broader telehealth benefits). (NIB.com.au)

• ahm / other funds and OSHC providers — Online Doctor via apps: Some funds (including ahm and various OSHC products) provide an Online Doctor feature through their member apps or partnerships (often delivered via the fund’s telehealth partner). Confirm which specific products include the service. (ahmoshc.com.au)

Important considerations and limits

• Private insurers generally cannot “cover” Medicare-funded out‑of‑hospital GP/specialist services in the same way Medicare does; many insurers instead provide their own telehealth services (partner platforms or member-only apps) with specific eligibility, limits or fees. Check the fine print for waiting periods, yearly limits and who on the policy can access the service. (UTS.edu.au)
• Telehealth availability, what can be treated, and whether prescriptions/referrals are issued depends on clinical appropriateness and the telehealth provider’s rules. Some funds restrict online consults to general (non‑specialist) matters. (Blua.Bupa.com.au)

How to choose / next steps

1. Compare policies and exact product inclusions on the government’s privatehealth.gov.au “Compare policies” tool (it lists every Australian private health policy). (privatehealth.gov.au)
2. For each insurer/product you’re interested in, read the product brochure/fund rules for telehealth/online doctor inclusions and waiting periods, or call the insurer and ask: “Which telehealth/online doctor service is included with this policy, who is eligible, how many no‑gap consults (if any) and which provider supplies the service?” (mention OSHC if you’re an international student/visitor — OSHC products often include broader online doctor access). (medibankoshc.com.au)

If you want, I can:

• Look up telehealth inclusions for specific policies (give me the insurer and product name), or
• Pull together a short comparison of Bupa, Medibank, HCF, NIB and one other fund’s telehealth benefits for a common scenario (e.g., resident adult with single cover).