Aussies with health insurance are fighting back against the great gap fee rort

While Medicare takes care of a portion of your private in-hospital medical expenses, it was never designed to pay for everything. This is why Australians have private health insurance in the first place – to foot the bill for the rest.

Unfortunately, there’s still a big problem. Lots of us with health cover – particularly our older Aussies who are most likely to need elective surgery – are getting hit with huge gap fees after hospital treatments. 

It’s disappointing to hear each story about people being hit with high out-of-pocket expenses because there are plenty of known and no-gap policies available. We know because we help people sign up to them every day, often to a cheaper policy as well.


Paying too much?

Australia: We saved our average customer $320* on their average annual premium! Select your age and see how much you could save!

*Average savings based off over 110,000 customers between 2018-2021

Gap fees go up but there is a solution

The highest gap fee average for treatment in the 12 months from March 2020 was $485. During the same period, the average gap fee rose by a shocking 8.3%*
and sadly it tends to be our older Australians who are more vulnerable to these excessive costs.

They’re regularly stung with these costs at the worst possible time and even though doctors and health insurers are meant to inform patients about gap costs, it can often come as a nasty unexpected surprise. After all, you don’t expect your health policy to end up costing you more money.

That’s why many Australians are taking matters into their own hands, by using Health Insurance Comparison to compare policies side-by-side and switching to a “known or no-gap” option

So when treatment is received from a participating doctor or specialist, your out-of-pocket gap costs are reduced or eliminated.

Here’s How You Do It:

Step 1: Select your current life stage below.
Step 2: Once you select your preferred coverage options, you will have the opportunity to compare quotes from multiple health funds.

Choose your life stage.

I’m looking at health cover for…

Take back control of your health cover


We make it straightforward to find out what your policy actually covers you for and how it stacks up against other options. 

Our experts can help talk you through the specifics of the policy and we can even take care of all the paperwork. Making the switch is simple and puts the power back in your hands. On average, people saved $312** when they compared and switched with Health Insurance Comparison

It’s never been easier to understand what you’re paying for and why you’re paying for it and our service is completely free to use. Stop worrying about large gap fees and say hello to a better policy for your needs.

Get Started Now:

Step 1: Select your state below .
Step 2: After answering a few questions, you will have the opportunity to compare quotes in your area and could be eligible for significant savings.

Choose your area.

Which area are you in?

*Average savings based off over 110,000 customers between 2018-2021

*APRA, Quarterly Private Health Statistics, March 2021
**Based on 25,311 customers in 2020.

This article is opinion only and should not be taken as medical or financial advice. Check with a financial professional before making any decisions.

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