Compare Private Health Insurance

The most important thing in life is your health. And regardless of what stage of life you are in, or your circumstances, everyone can benefit from having private cover.

Your situation is unique, and not all policies are created equal. It’s important that you have the right kind of cover that can cater to your specific needs. That’s where can help by allowing you to compare a range of options to fit your lifestyle.

Learn how you can tailor your insurance to suit your requirements by comparing a range of funds and products with our easy to use comparison tool.

Let us help you find the right cover!

By now you may have already seen what’s on offer at, and how we can help you compare health insurance policies from a range of funds. So now you know what we do, why not take a look at the providers we compare?

Australian Unity LogoAustralian Unity

Australian Unity strives to make their health insurance as easy and helpful as possible for their members. They recognise that everybody has different health insurance needs and as such, aims to meet these varying needs by offering practical products with a range of useful features. Australian Unity is underwritten by Australian Unity Health Limited.

ahm Logoahm

ahm’s number one focus is helping over 370,000 members make the most of their cover, by taking a no-nonsense approach to health insurance, cutting out unnecessary costs and offering more choice. ahm is underwritten by Medibank Private Limited.


More than 3.4 million Australians have chosen to be with Bupa and it’s easy to see why. Bupa exists to help its members live longer, healthier, happier lives. No matter what stage of life you’re at, Bupa offers a range of carefully tailored plans to help suit your needs.


Since 1951 CBHS has provided ultimate peace of mind to its members and is Australia’s 3rd largest restricted Private Health Insurer covering over 180,000 people. CBHS is underwritten by CBHS Health Fund Limited.

CUA Health LogoCUA Health

Born in 1977 CUA Health is a private health insurer registered under the Private Health Insurance Act and committed to the principles of the Private Health Insurance Code of Conduct. CUA is underwritten by CUA Health Limited.

Frank LogoFrank

In Frank’s own words: Frank is online, tells it like it is, and doesn’t play favourites. The Frank way is quick, simple and helps keep premiums down – which is good for you, and good for Frank. Frank Health Insurance is underwritten by GMHBA Limited.


GMF Health offers simple, straightforward health cover options, so you know exactly what you’re covered for. GMF are a not-for-profit fund and have been helping members in Australia for 60 years. GMF is underwritten by HealthGuard Health Benefits Fund Ltd.


As an Australian not-for-profit health fund with more than 75 years’ experience, GMHBA puts members before profit; provides great value health cover and works together to build stronger and healthier communities. GMHBA is underwritten by GMHBA Limited.


With over 80 years experience, HCF is Australia’s largest not-for-profit health fund. HCF has no hospital excess for same day, accident-related surgery or for dependent children. And, only one hospital excess applies per person per calendar year. HCF is underwritten by The Hospitals Contribution Fund of Australia Pty Ltd.


First established in WA in 1954, the Health Insurance Fund of Australia (HIF) provides affordable Hospital and Extras cover choices across Australia. As well as being proudly not-for-profit, HIF is also Australia’s first and only ‘NOC02’ certified Carbon Neutral health fund. HIF is underwritten by HIF- Private Health Insurance Australia.

nib Logonib

nib believe that Private Health Insurance should be easy to understand, easy to claim on and most of all good value. As one of Australia’s fastest growing health funds they have been providing health insurance to Australians for over 50 years and now cover over 800,000 customers around Australia. nib is underwritten by nib Health Funds Limited.

THF_logo_featured1Teachers Health Fund

Teachers Health Fund is the largest industry-based fund in Australia and has been proudly serving educators since 1954. With 60 years experience and over 115,000 members, covering over 250,000 lives, Teachers Health Fund understands the education community. It offers a range of health cover to suit individual private health insurance needs, offering peace of mind, whatever stage of life you are at.

Westfund LogoWestfund

Westfund is a member owned health fund with national coverage and great value health covers to suit your budget & lifestyle. Benefits include hospital, medical, dental, optical, physio, chiro & extra benefits such as accident, advanced surgery and travel. Westfund is underwritten by Westfund Limited.

At, we know how confusing it can be shopping around for information on private health cover. With so many factors to consider, from what rebates you can expect to what extras you should be looking for, it can often have you settling for the cheapest premium.

You needn’t skimp on the benefits you receive from your cover just to save on price. Carefully choosing the right plan by tailoring insurance to your situation specifically, you can often reduce your premium.

Health Cover for Everyone

No matter your age or at what stage of life you’re at, you can benefit in a number of ways from having private cover on your side.

Whether it’s about saving on services you regularly use, or wanting to get assistance should you need ongoing care from specialist doctors, the right policy can provide the help you need, when you need it.

Care To Compare?

While it’s true that searching for appropriate cover online can be frustrating and time consuming, helps simplify the experience by allowing you to compare a range of quotes all in the one place.

By using our online fund comparison, you may quickly be able to choose a range of cover options that match your circumstances. Take a look around and find out more about how could help you save on your policy.

Find out more by clicking the below links:

Health cover is an important consideration for most Australians, as we all want to feel protected in case of a medical event or emergency. Taking out cover is a great way to ensure top medical care, but as with all insurances, it includes a few rules and regulations you should be aware of.

Private Health insurance Rebate

Depending on your age and taxable income, you could receive a rebate between 10-40% on the cost of your premium.

Lifetime Health Cover

Taking out hospital cover before you turn 31 enables you to lock in the lowest premium. After that age, you could be subject to an age loading that increases by 2% every year.

Medicare Levy Surcharge

The Medicare Levy Surcharge (MLS) is an extra tax ranging from 1-1.5% levied on those who earn over a certain income threshold but do not have hospital cover.

Waiting periods

This refers to the time that must lapse before you can claim on particular features of your policy, but these waiting periods are generally waived if you’re simply switching between health funds.

Pre-existing conditions

Generally, pre-existing conditions require a 12 month waiting period before they can be claimed for, but special conditions apply.


You can also find out more about specific rules and regulations by visiting the below pages:

Whether you’re young and carefree, or retired and enjoying the extra time you deserve, there are clear benefits to having private health cover on your side.

It’s easy to see why you might not think about private cover when you’re young, but there are plenty of situations where having this safeguard can help you reduce the expenses associated with things like physiotherapy, dental and prescription eyewear.

Factoring in the appropriate extras when planning a family can help out enormously for expecting mums for costs like pre-natal classes, private hospital stays, doctors and obstetric care during labour.

Importantly, anyone approaching 30 should be mindful that under the government’s Lifetime Health Care program, the loading on the hospital premium base rate premium for insurance increases by 2% each year. By getting in early you can lock in the lowest rate for life, provided you remain insured.

Families stand to benefit the most from being private insured, as any number of things can happen to you or your loved ones unexpectedly. So it pays to choose wisely and cover accordingly.

Life has its ways of throwing curve balls, no matter your age. Mature citizens can benefit from the fact that even with a pre-existing condition, they can still get private cover relating to the condition, and can make claims after the relevant waiting period.


Find a policy relevant to you can help you compare the right plan online for your unique situation, regardless of your stage in life.

For more information on choosing the appropriate options for where you are in life, take a look at the pages below.