You just have to enter a few details and let us know what cover you’re interested in. That’s it! With that we’ll figure out the cheapest premiums for the cover that you want. From there we can even help you switch your cover to the new fund. We take the hassle out of health insurance.
Our expert advisors will present you with a range of options based on your preferences so you get a clear idea of how much you can save. We’ll do the work to clear up this confusion so that you can confidently select a policy that suits your needs and budget. Our only goal is to help you get what you want.
“I was very pleased with the service provided to me over the phone when I moved from my last health insurer. I haven’t used it yet but the explanations were clear and the transfer was easy & it made me feel comfortable about changing which was a big deal as I had been with them forever.”
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Our advisers are here to guide you and cut through policy jargon.
Our service is free to our customers and we don’t mark up any products.
Health insurance is a product that should work for you. Think about what your needs according to your life stage, occupation and age, and keep in mind that some options like pregnancy cover have a 12-month waiting period before you can claim benefits.
There’s never any point in paying for something you don’t use. Think about what services you want and how often you’ll use them and get the policy that covers you for the life you want to live.
Cheaper premiums usually mean that there’s a higher excess dollar amount that you have to pay if you are to be admitted to hospital. A copayment also reduces your premiums but instead of an upfront payment you agree to pay an agreed amount for each day you’re in hospital up to a defined limit. Avoid policies that require both as you’d be paying twice for the same thing.
If you’re single and your income for surcharge purposes is under $140,001 a year you’re entitled to a percentage rebate on your health cover. The same applies to families with an income under $280,001. This rebate increases as you age and earn less to get as high as 35.72%. You even can claim this rebate as a reduction on your premiums.
Some funds categorise certain health care professionals as preferred providers. If you visit these providers you may be entitled to a discount or a no-gap service, meaning less out-of-pocket costs per visit.
What are you waiting for? Compare the market now with HealthInsuranceComparison.com.au and find a policy that suits your budget and your needs. Let us do that hard work for you.
Most people compare the market and purchase health insurance to avoid out-of-pocket expenses for services that are either aren’t covered or are only partially covered by Medicare. You also get reduced waiting times for hospital treatment, the ability to choose your hospital and doctor, access to a shared or private room in a private hospital and exemptions from government-imposed tax penalties and premium loadings.
Different policies will have different limits on the benefits you can claim in the year. Most of the time this means a maximum dollar amount you get back for a specific kind of treatment. Each time you pay for a particular service you’ll also have a set dollar amount you can receive as a benefit. For example your policy may have a maximum benefit limit of $300 a year for physiotherapy, and each time you go you receive $35 back as a benefit. If the service cost $50 you’d pay $15 out of pocket, and once you exceeded your benefit limit you would have to pay the full $50. However some policies offer a combined limit that gives you a total benefit amount to use for all your extras.
High income earners (individuals earning more than $90,000 per year and families earning more than $180,000) are charged the Medicare Levy Surcharge if they don’t take out hospital cover with an excess of a maximum of $500 (individuals) or $1,000 (families/couples). This is charged as a percentage of taxable income starting at 1% and caps at 1.5%.
Lifetime Health Cover loading applies if you don’t take out hospital cover before July 1st after your 31st birthday. For every year following you’ll be charged an additional 2% on your premiums whenever you do take out hospital cover up to 70%.
After purchasing your private health insurance you have a 30 day ‘cooling-off’ period that entitles you to a refund for any premiums you’ve paid, as long as you haven’t made any claims.
When you start a new policy or increase your level of cover you are subject to waiting periods before you can make a claim. For extras this amount of time is determined by the fund, however for hospital cover you will have to wait at least 2 months before you can make a claim, regardless of which fund you choose – although accidental injuries will typically be covered after only a day. For most pre-existing conditions and for obstetrics (pregnancy) cover the waiting period is 12 months. This waiting period is usually waived if you need treatment because of an accident. Additionally, if you already have health insurance and are transferring to the same or a lower level of cover you won’t need to re-serve your waiting periods.
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