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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 comparethemarket.com.au can help by allowing you to compare a range of options to fit your lifestyle.

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Useful Information

Further Information

Further Information

At comparethemarket.com.au, 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, comparethemarket.com.au 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.

Rules & Regulations

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.

Health insurance rebate

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

Learn more about the rebate

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.

Learn more about Lifetime Cover

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.

Learn more about the Medicare Levy Surcharge

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.

Learn more about waiting periods

Pre-existing conditions

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

Learn more about pre-existing conditions



For your Life Stage

For your Life Stage

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

comparethemarket.com.au 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.

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People comparing every week

"I’m much happier with both the price and the level of cover as I no longer feel that I’m paying for things I don’t need."

− Wendy, WA

"We’re now saving over $100 a month which will come in really handy. It’s nice to know there’s an extra pair of eyes out there searching for the best deal for me."

− Peta, Queensland

"By comparing you can save some money. It’s freed up our life. By shopping around our family has saved $3000 a year."

− Elaine, Queensland
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