What kind of health cover do you need? Here’s how to find out

There are thousands of private health insurance policies on the market, and most Aussies could use a little help choosing the right one. Picking an affordable policy is all about knowing what to look for, but it can be hard to know what to look for when you don’t know what questions to ask.

That’s why HealthInsuranceComparison.com.au lets you compare policies online, plus get free advice from a health insurance expert over the phone. Start by getting a free quote so you can compare policies side by side, then clear up any questions you might have with your advisor.


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…

Whether you’re just getting started with private health cover or you’re looking to switch, here are five things to consider when choosing a policy.

Age and family medical history can help dictate the type of health cover you will use the most. If you’re likely to need glasses, optical is a given, but if eagle eyes run in the family then you might not need it. Older Australians will likely need different types of cover than younger Australians; consider your situation when making a decision.

Professional athletes and adventure enthusiasts often sign up for top-tier health cover because they are more likely to need extras such as dental or physio cover. Your lifestyle may not necessitate all of these extras, and you could save a significant amount by choosing a plan from a different tier.

Future plans
Your plans for the future may include starting a family, which means looking into pregnancy cover or assisted reproductive services. You can also compare different types of cover depending on the number of people in your family, such as couples’ or single parent family cover.

Waiting periods
Many people avoid switching policies because they don’t want to be subject to new waiting periods. However, portability laws state that when moving to hospital cover with equal or lesser cover, you don’t have to re-sit waiting periods already served.

Family status
If you’re a couple, it’s a no-brainer to sign up for a couples’ policy, right? Wrong. Sometimes you can find a better deal under an individual policy. It’s worth comparing both couples’ policies and singles’ policies to see which is more affordable.

Call Health Insurance Comparison today to find out how choosing a tailored policy could save you time and money. Getting a great deal on health cover is easier than you think!


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 20,400 customers during 2019

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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