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We represent Australian funds that have a combined 90.14% share of the private health insurance market. However, we do not compare all policies from our partner funds, and at times certain funds or products might be unavailable (for example, because some of our partner funds impose periodical limits on the number of their products that we can sell). Learn more.

Easily compare private health insurance

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Easily match your needs to a policy that suits you. It only takes minutes to compare a range of health funds with us. Learn more.

Supported by experts

Our award-winning call centre is run by health insurance experts, ready to answer all your questions no matter how complex.

From beginning to end

Research, compare and buy health insurance in just one place. Right here! We'll look after you through every step of the process.

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Our service is 100% free to use. Health insurers pay us a commission for each policy we sell. You pay nothing. Learn more.

What is private health insurance?

Health insurance is a product that can help pay for the cost of your treatment as a private hospital patient, or for out-of-hospital healthcare services. Medicare covers 75% of your Medicare Benefits Schedule (MBS) fee for treatment as a private patient, while health insurance covers 25%. The amount that insurance covers for out-of-hospital treatment will vary per policy.
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 Learn about health insurance and its benefits

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Hospital

Private hospital cover helps you pay the cost of in-hospital treatment. It can cover anything from surgical procedures to childbirth.Learn more »
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Extras

Extras cover helps pay for out-of-hospital medical care. For example, it may pay for a new pair of glasses, or a physiotherapist appointment.Learn more »
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Combined

A combined health insurance policy includes hospital & extras cover. It can subsidise a wide range of your expenses both in and out of hospital.Learn more »
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Dental

Getting covered for dental treatment is crucial for many Australians, as the expense can quickly grow if you require major orthodontic work. Luckily, many health insurance policies cover the cost of major and minor dental work.Learn more »
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Physiotherapy

Physiotherapy consultations and treatment plans can assist with recovery from an injury. When you need this kind of support, health insurance can help subsidise these costs.Learn more »
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Lifestyle programs

An extras policy helps pay for important health services that many Australians rely on every day; such as nutritionist consultations, skin cancer screenings and even gym memberships.Learn more »
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Pregnancy

Obstetrics cover is a common benefit found in private hospital policies. If you wish to deliver your child as a private patient, this type of insurance can help new mums.Learn more »
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Optical

Optical treatment is covered by both hospital & extras policies. Depending on your needs, you could be insured for check-ups, laser eye surgery and more.Learn more »
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Ambulance

“Ambulance Insurance” covers the cost of both treatment by emergency services and transportation in an ambulance. Depending on where you live, costs may be covered by your state government.Learn more »
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Chiropractic

Chiropractors treat musculoskeletal issues, with many Australians utilising their service every year. You can partially offset these costs by taking out cover.Learn more »
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Waiting Periods

A waiting period is the amount of time you’ll wait before you’re able to claim private health insurance benefits. These can range from a couple of months to several years.Learn more »
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Overseas Visitors Cover

Visitors who holiday or work in Australia for an extended period of time are obligated to take out health insurance, given that they typically do not qualify for Medicare.Learn more »
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Lifetime Health Cover

LHC loading encourages Aussies to take out private hospital cover early in life – specifically, by the age of 31.Learn more »
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Medicare Levy Surcharge

The MLS is a surcharge, imposed by the government of up to 1.5% levied on the taxable income of higher income earners who do not hold private hospital cover.Learn more »
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The Government Rebate

This rebate can give back up to 34.58% of your health insurance premiums, depending on your age and income.Learn more »

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Need help finding the right private health insurance?

Our 7 best tips for helping you select health cover

Is private health insurance as complex as it seems? It doesn’t have to be. If you’re serious about getting covered, these seven tips will help you find the right cover.

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How to make smart choices about your health policy

Whether you’re a family of five or a household of one, it’s important to find health insurance that fits. We’ll show you how to tailor a policy to your household.

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The naked truth behind health insurance and tax

Mixing insurance and tax doesn’t need be complicated. To prove it, we explain Lifetime Health Cover Loading, the Medicare Levy Surcharge, and more.

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What’s the difference between hospital & extras cover?

One covers you for private hospital treatment, the other for treatment elsewhere. It’s simple enough to get covered by either, but first you should learn a little about each.

Read More

 Ready to compare private health insurance? We’ve made it simple!

1

Quote


Tell us about yourself, and the type of cover you’re looking for. We’ll work behind the scenes to bring you a great range of products.

2

Compare


The best way to find better private health insurance is to compare your options side-by-side. Use our service to find features that matter to you.

3

Buy


Found the right product? You can easily purchase it online. Need a little extra help? Our friendly call centre can answer your questions. Simples.