Health Insurance Made Clear

Yes, our service is completely free to use. We receive a commission from health funds when you take out a policy through us - this doesn't affect the price you pay.

We compare policies from our partners* health funds based on your needs, budget, and circumstances. We show you side-by-side comparisons of suitable policies, helping you understand the differences and choose the right cover.

When switching to an equivalent or lower level of cover, your completed waiting periods are usually recognised by your new fund. For any higher benefits, you may need to serve waiting periods only for the increased coverage.

All health funds offer a 30-day cooling-off period. If you change your mind within this time, you can cancel your policy and receive a full refund of any premiums paid.

The Medicare Levy Surcharge (MLS) is a levy paid by Australian tax payers who do not have private hospital cover and who earn above a certain income. The surcharge aims to encourage individuals to take out private hospital cover, and where possible, to use the private system to reduce the demand on the public Medicare system.

The current surcharge and income thresholds applicable for the 2024-25 financial year (from 1 July 2024 up to and including 30 June 2025) are:

More Information on Medicare Levy Surcharge: Click Here

Lifetime Health Cover (LHC) loading adds 2% to your hospital cover premium for every year you're aged over 30 when you first take out hospital cover. This loading lasts for 10 years of continuous coverage.

The government offers a rebate on private health insurance premiums, with the percentage based on your age and income. This rebate helps make private health insurance more affordable for many Australians. Find out more about Australian Government Private Health Insurance Rebate

Hospital Cover: Pays towards hospital admissions, surgery, and in-hospital treatment.
Extras Cover: Helps with everyday health services like dental, optical, and physio.

- Basic: Limited coverage, suitable for avoiding tax penalties
- Bronze: Essential coverage for common treatments
- Silver: Comprehensive coverage including heart and lung services
- Gold: Complete coverage including pregnancy and joint replacements

Standard waiting periods include:
- 2 months for general services
- 6 months for optical
- 12 months for pre-existing conditions
- 12 months for pregnancy

Gap payments are the difference between what your doctor charges and what Medicare plus your private health insurance covers. Some funds offer "no gap" or "known gap" schemes to reduce or eliminate these costs.

1. Compare policies and choose your new fund
2. Complete the application with your chosen fund
3. They'll contact your old fund to cancel your policy
4. Your waiting periods and claims history transfer across
5. Start using your new cover

- Photo ID
- Medicare card
- Payment details
- Current policy information (if switching)

No, most funds will recognise your loyalty benefits and waiting periods when you switch to an equivalent level of cover.