How much could you be saving on health cover? Find out now

An easy way to save

With Compare Club you can shop around for health insurance without even leaving the house.
It’s a convenient way to make an informed decision on cover that will save you time and money.

No extra costs

We don’t mark up our policies or charge a commission. Our service is 100 percent cost-free and we will never pressure you to make a purchase.

Expert team

Our insurance consultants are here to save you money, and they know how to do it without compromising quality. You’ve got questions? They’ve got answers.

Customised cover

There’s no point in having the cheapest policy on the market if it doesn’t meet your needs. We’ll help you find a policy that you’ll actually use, at a price you can afford.

What you should know about health insurance

Buying health insurance can be confusing. Whether you’re buying your first policy or
looking for one that’s more affordable, here are a few things to keep in mind.

No lock-in contracts

You decide how to pay your premium, whether it’s weekly or annually. You’re never locked into a contract, and any unused premium is refundable.

Government rebates

The government offers rebates that subsidise the cost of private health insurance. You could be eligible of up to 34.579% back on your premium!

Money-back guarantee

As long as you don’t make a claim, all of our policies come with a 30-day money back cooling off period. No questions asked.

Pre-existing conditions

Legally, insurers cannot charge you a higher premium because of a pre-existing condition. However, be aware that waiting periods may apply.

Medicare Levy Surcharge

If you earn over $90,000 as a single person or $180,000 as a family and don’t have hospital cover, you’ll be liable to pay up to 1.5 percent of your income as an additional tax.

Lifetime Health Cover Loading

Once you turn 31, take out private hospital cover before 1 July to avoid an annual 2 percent loading charge on your premium.

Medicare gap

Private cover steps in where Medicare doesn’t, offering coverage for essential services like dental, optical, and hearing care.

Portability laws

You don’t have to re-sit any waiting periods already served for hospital cover when you switch to an equal or lesser level of coverage.

In the end we are satisfied if yotu are satisfied. Our customers rate us with a 9.1
(out of 159,084 reviews). And we are very proud of that.

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The Australian Government supports health insurance

The Australian Government has introduced a number of schemes to encourage people who can afford private health
care to do so, to take the burden off the public health system. Learn more about the three Government schemes below
and discover how they may affect you.

The earlier you take out cover the better

The Lifetime Health Cover loading (LHC) is designed to encourage Australians to maintain health insurance from a young age by increasing your premiums by 2% for every year after your 31st birthday you don't have cover. Here are the key points about the LHC:

  • You have until the 30 June following your 31st birthday to purchase health insurance.
  • Your premiums will go up by 2% every year you don't have cover. This increase is capped at 70%. The loading will be removed once you've held cover for ten continuous years.
  • To be exempt from the LHC you need a private health insurance policy that covers hospital

The earlier you take out cover the better

The Lifetime Health Cover loading (LHC) is designed to encourage Australians to maintain health insurance from a young age by increasing your premiums by 2% for every year after your 31st birthday you don't have cover. Here are the key points about the LHC:

  • You have until the 30 June following your 31st birthday to purchase health insurance.
  • Your premiums will go up by 2% every year you don't have cover. This increase is capped at 70%. The loading will be removed once you've held cover for ten continuous years.
  • To be exempt from the LHC you need a private health insurance policy that covers hospital

The earlier you take out cover the better

The Lifetime Health Cover loading (LHC) is designed to encourage Australians to maintain health insurance from a young age by increasing your premiums by 2% for every year after your 31st birthday you don't have cover. Here are the key points about the LHC:

  • You have until the 30 June following your 31st birthday to purchase health insurance.
  • Your premiums will go up by 2% every year you don't have cover. This increase is capped at 70%. The loading will be removed once you've held cover for ten continuous years.
  • To be exempt from the LHC you need a private health insurance policy that covers hospital

Find a better deal on health cover from an insurer you can trust. We’ll do the work so you can enjoy the savings.

About us

Compare Club uses online search engine technology to scour a database of policies from Australia’s most trusted insurers. You’ll get a personalised policy quote in minutes, followed by expert advice from an insurance consultant. We’ll help you navigate the confusing world of health insurance so you can make an informed decision on what’s best for your health and your finances.

How it works

Start by entering a few details about your location and life stage, so we can tailor your quote. You’ll also choose the health cover features that matter to you, from policy type to extras. Get a free quote so you can make a side-by-side comparison of which policies suit you. When you’re ready to switch, a consultant will guide you through the process, making it as quick and painless as possible.

Why use Compare Club?

Compare Club combines the convenience of online shopping with the expertise of a health insurance professional. Sourcing individual quotes from different insurers can be time consuming, not to mention frustrating. With Compare Club, you’ll get unbiased advice and a transparent policy quote so you never feel like you’re being taken advantage of.

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