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Why compare health insurance?
Here’s how our experts can help you with your health insurance
Avoid the Medicare Levy Surcharge
Avoid long waits for surgery
Get the best value
Save on extras that matter to you
What are the benefits of private health cover?
What is hospital cover?
This is the part of your cover that pays for your hospital stay, hospital care, and any medications you receive
while in hospital. What treatments you’re covered for, and the extent of that cover depends on the tier of cover
you get. See below:
Get overseas visitors health cover
Our experts can help make your journey into Australia as easy as possible by helping you get overseas visitors health cover before you’ve arrived.
We can even help you receive your certificate of insurance online and our OVHC policies meet visa condition 8501.
How our experts have
helped Australians like you
Showing our 4 & 5 star reviews
Upfront though a little uncomfortably…
Upfront though a little uncomfortably so overall leaving me to wonder if this was an effective scam. Once bitten 50 time shy. The process was rapid and the outcome will determine the satisfaction rating in due course.
by Ken and Gillian Wilcox
Friendly consultant that answered all…
Friendly consultant that answered all questions and had good knowledge of the process and products on offer.
Team member was efficient and friendly
Team member was efficient and friendly. Certainly came up with a better deal for the moment.
Excellent service , Sean was a pleasure to deal with and…
Sean was a pleasure to deal with and made the whole process very easy
How to effortlessly change from one Health Fund to another with everything professionally done for you.
Lucas was very professional, easy to chat to, had all the information I needed at his fingertips. He organised an easy transition from one Healthcare company to another with savings for me plus increased services. Everything was instantly done for me and a new policy delivered into my email within half an hour. Excellent!
Everything went smoothly
Operator was easy to talk to and explained all things well.
by Kenneth Law
Listened to me and explained every think in detail and went over every thing in detail
Had been looking online myself but was…
Had been looking online myself but was getting confused. Decided to answer a cold call and it turned out to be a great decision. Ended up saving almost $1200 in the first year with all the rebates more than twice as good as existing. Annie was amazing to deal with.
Well informed consultant
Well informed consultant. Found the policy that suited our needs
A remarkable savings in Private Health Insurance costs
Via a phone consultation, following up on my on-line contact with compare club, I was able to describe what I hoped to achieve in reviewing my current health insurance policies as I have recently gone onto the Age Pension and my income is quite limited. Then, via careful questioning and prompts to determine my needs, different options were presented to me until we found one that fitted my needs and saved me over $150 per month.
the staff was very friendly and…
the staff was very friendly and helpful. They always follow up when they say they will call back
by Marilyn Nichols
Being a rusted on HCF member and…
Being a rusted on HCF member and checking out other options I was really surprised how easy it was to navigate through other well known health funds and features on the Compare Club Web site. So a big thankyou initally Nathan and Cassandra for making it smooth sailing to switch over to a more than equivalent cover.. Saving over $40 per month with the built in gap coverage AHM is so worth it! Very impressed!
Navigating Health Insurance with Ease: My Experience with Compare Club and Andy
I am delighted to share my Compare Club experience, mainly due to their customer service representative, Andy. Andy demonstrated exceptional knowledge, professionalism and dedication throughout our hour-long interaction over two days. He took the time to thoroughly understand my requirements by asking insightful questions and actively listening to my responses. Andy's expertise with health insurance was evident as he provided clear explanations, talked through potential pitfalls and made expert recommendations after conducting thorough research. Despite exploring various options with different providers, Andy's guidance ultimately led me to the conclusion that my current health insurance policy was indeed the most suitable choice. I am truly impressed by Andy's knowledge and commitment to ensuring customer satisfaction. I would highly recommend Compare Club's services to anyone seeking expert advice on their health insurance.
The guy took their time to explained…
The guy took their time to explained how it all work and how what I was looking for
Getting a comparison through Compare…Club is the best thing we have ever done
Getting a comparison through Compare Club for my health Insurance was the best thing I have ever done. We joined a health insurance co after the age of 30 so we have LHC and any comparisions I have done over the years have only been a difference of around $30 or so dollars, I tried compare club on the weekend I'm now saving an unbelievable $120 a month for the same cover ! Honestly I am still shaking my head in disbelief, give them a try
Efficient and friendly service.
The people i spoke to were very friendly but also very professional and knowledgeable. They found just the right coverage for me at a better price than i had been paying. It was extremely quick and easy. I do not have to do anything, it has all been done for me.
I dealt with a man who listened
I dealt with a man who was honest, offered options for me to consider and was not pushy.
Helpfull and informative
Helpfull and informative
Informative - they listened really well and got me a better deal than I was on
by Caress Lowe
All of my questions were answered
All of my questions were answered. Great advice.
Save on your health cover in just
minutes as some premiums are set
Over the last five years our experts have saved Australians an average of $300 when they've compared and switched health cover through us. Save on your health premiums with our experts today. Find out more.
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Chris Stanley is the sales & operations manager of health insurance at Compare Club. With extensive experience and expertise, Chris is a trusted leader known for his deep understanding of health insurance markets, policies, and coverage options. As the sales & operations manager of health insurance, Chris leads a team of dedicated professionals committed to helping individuals and families make informed decisions about their health insurance needs.
- Sales & Operations Manager for Health Insurance
Learn more about health insurance
Dental extras cover helps pay for costs associated with dental care, from routine check-ups to complex procedures. With this, you can smile wider knowing your teeth are covered.
Optical extras provide financial help for eye-related health care such as glasses, contact lenses, and eye tests. See life in a clearer light, and keep your eyes healthy with optical extras.
The Medicare Levy Surcharge is a tax for Australians who don't have private health insurance but earn above a certain income. Avoid the surcharge, and benefit from private care by exploring health insurance options.
This cover ensures visitors to Australia receive necessary medical treatment during their stay. If you're travelling to the land Down Under, consider getting overseas visitors cover for peace of mind.
A plan designed to cover both you and your partner's health needs. Simplify your policy management, potentially save costs, and ensure you both receive the care you need with couples health insurance.
These are set timeframes you must wait before claiming benefits after starting a new insurance policy or upgrading your current one. Understanding waiting periods helps avoid surprises when it comes time to use your insurance.
Changing your health insurer could help you find a better fit for your needs or reduce your premiums. If you're contemplating a switch, get informed to make sure the change works in your favour.
Ambulance cover takes care of costs related to emergency ambulance services. Without it, these costs can be hefty - secure this cover and ensure swift medical response when you need it most.
Family health insurance plans provide medical coverage for your entire family under one policy. It's designed to protect those you love most, ensuring your family's health needs are covered without needing separate plans for each member.
A glossary of health insurance terms
Ambulance Cover: Ambulance cover refers to the insurance coverage for emergency ambulance services. In Australia, ambulance services are generally not covered by Medicare (the public healthcare system) and can result in significant out-of-pocket expenses. Having ambulance cover through private health insurance helps protect individuals from the high costs associated with emergency ambulance transport.
It's important to note that ambulance cover requirements and regulations vary between Australian states and territories. Some states provide free or subsidized ambulance services to their residents, while others require individuals to have their own ambulance cover. It's crucial to check the specific requirements and regulations in your state or territory and ensure that you have adequate ambulance cover in place to avoid potential financial burden during emergency situations.
Extras Cover: Additional health insurance coverage that provides benefits for services not typically covered by Medicare, such as dental care, optical services, physiotherapy, and chiropractic treatments. Here are some examples of extras that are commonly covered under private health insurance policies in Australia:
Gap Cover: An arrangement where private health insurers may provide additional benefits to cover or reduce the out-of-pocket expenses (known as the "gap") incurred by policyholders for in-hospital medical services not fully covered by Medicare.
General Dental: General Dental refers to routine dental treatments and preventive care aimed at maintaining oral health. These can include services such as check-ups, teeth cleanings, X-rays, fillings, and basic extractions. General Dental coverage is a common component of extras cover provided by private health insurance policies in Australia. It helps individuals offset the costs of routine dental visits and basic treatments. The level of coverage for General Dental can vary depending on the insurance policy and the specific extras cover chosen by the individual.
Hospital Cover Tiers: Hospital cover in Australia is categorized into tiers, which represent different levels of coverage and benefits. These tiers were introduced to simplify and standardize private health insurance policies. The tiers are as follows:
Hospital Cover: Hospital cover refers to the component of private health insurance that provides coverage for hospital treatments and services. Hospital cover allows individuals to have greater control over their healthcare options by providing access to private hospitals, choice of doctor, shorter waiting times, and accommodation in a private room (depending on the level of cover). Hospital cover typically includes benefits for in-hospital medical procedures, surgeries, accommodation, and related services, such as anesthesia and operating theatre fees.
Lifetime Health Cover (LHC): A loading or penalty applied to the premium of private health insurance policies if an individual takes out cover after the age of 30. It incentivizes individuals to maintain continuous private health insurance coverage.
Major Dental: Major Dental refers to a category of dental treatments that typically involve more extensive procedures and higher costs. These can include treatments such as crowns, bridges, dentures, orthodontics (braces), and oral surgery. Major Dental coverage is a type of extras cover offered by private health insurance policies in Australia. It provides benefits or a percentage of the cost for major dental treatments, helping individuals manage the financial burden associated with these procedures. The specific coverage and limits for Major Dental can vary depending on the insurance policy and level of extras cover chosen by the individual.
Medicare Levy Surcharge (MLS): An additional tax imposed on high-income earners who do not have private health insurance and earn above a certain threshold. It encourages individuals to take out private health insurance and reduce the burden on the public healthcare system.
Medicare: Australia's publicly funded healthcare system that provides basic medical services and subsidized treatments to Australian residents.
Network: A group of doctors, hospitals, and other healthcare providers that have contracted with an insurance company to provide services
No-Gap: No-Gap refers to a situation where a policyholder does not have to pay any out-of-pocket expenses or the "gap" for certain medical services or treatments. It typically applies to in-hospital services where the medical practitioner agrees to charge only the Medicare benefit and the health insurance covers the remaining cost, eliminating or reducing the gap amount that the policyholder would need to pay. No-Gap arrangements can help individuals minimize their expenses for specific procedures or treatments.
Orthodontics: Orthodontics is a branch of dentistry that focuses on correcting misaligned teeth and jaw irregularities. It involves the use of braces, retainers, aligners, and other dental appliances to straighten teeth and improve bite alignment. Orthodontic treatment is typically considered a major dental procedure. Private health insurance policies in Australia may offer coverage for orthodontic treatment under extras cover, specifically under the Major Dental category. It's important to review the specific policy details and waiting periods associated with orthodontic coverage, as there may be limitations and conditions for reimbursement.
OSHC (Overseas Student Health Cover): OSHC is a specific type of health insurance designed for international students studying in Australia. It is a requirement for most student visa subclasses to ensure that students have access to necessary healthcare services during their studies in Australia.
OSHC provides coverage for essential medical treatments, hospital stays, prescription medications, and emergency services. It helps international students manage the costs associated with healthcare while studying in Australia and ensures they have access to necessary medical care.
Out-of-Pocket Expenses: Out-of-pocket expenses refer to the costs that individuals are responsible for paying directly when receiving healthcare services, even if they have health insurance coverage. These expenses can include deductibles, co-payments, and coinsurance, as well as any costs not covered by insurance. Out-of-pocket expenses can vary depending on the type of service, the insurance plan, and any applicable limits or exclusions.
OVHC (Overseas Visitor Health Cover): OVHC refers to health insurance specifically designed for visitors to Australia, including temporary residents, such as international students, working holiday visa holders, and temporary skilled workers. OVHC is a requirement for most visa subclasses to ensure that visitors have access to necessary healthcare services while in Australia.
OVHC provides coverage for essential medical treatments, hospital stays, and emergency services during the visitor's stay in Australia. It helps protect visitors from the high costs of medical care and ensures they have access to necessary healthcare services during their time in the country.
PBS (Pharmaceutical Benefits Scheme): The Pharmaceutical Benefits Scheme is a program by the Australian Government that subsidizes the cost of a wide range of prescription medications, making them more affordable for Australian residents. Under the PBS, eligible individuals pay a reduced price (known as the patient co-payment) for prescribed medications, while the government covers the remaining cost. The PBS ensures access to essential medications at affordable prices for the Australian population.
Pre-existing Condition: A medical condition that existed before an individual took out health insurance. Waiting periods may apply before coverage is provided for treatment related to pre-existing conditions.
Preferred Provider: Healthcare providers, such as doctors or specialists, who have an agreement with an insurance company to provide services at agreed-upon fees. Policyholders may receive higher benefits or reduced out-of-pocket expenses when using preferred providers.
Premium: The amount of money paid to the insurance company at regular intervals (monthly, quarterly, annually) to maintain health insurance coverage.
Private Health Insurance Rebate: A government subsidy provided to eligible individuals to help offset the cost of private health insurance premiums. The rebate amount is based on income and age.
Waiting Period: The specified period an individual must wait after taking out private health insurance before they can claim benefits for certain treatments or services. Waiting periods vary depending on the treatment or service.
Health Insurance FAQs
For a quick and easy comparison, speak to a health insurance adviser over the phone to receive free quotes tailored to your preferences and budget. It may also be helpful to speak with family and friends who have been customers of various health funds in the past.
But before you get started, you should have a clear idea of what kind of policy you are looking for. Factors to consider include:
From here, you can do the relevant research that allows you to ultimately choose the best private health insurance for you.
Generally, the best health insurance policy for you will be the one that:
Is comfortable within your budget
Provides the type of cover you want
Provides the level of cover you want
Is set up with a company you trust
Is transparent about its conditions
Is customisable to your needs
Once you know what you are looking for, undertaking a private health insurance comparison can help you identify how each fund competes in premiums, coverage conditions and other factors that are important to you.
Compare Club can help you compare health insurance policies from eight different health funds, including some of Australia's leading health insurers like Bupa, AHM and HCF.
It may be useful to investigate the Australian Medical Association's annual Health Insurance Report Card. It aims to shed light on how health insurance really works and provide consumers with clear, concise information regarding different health funds.
Keep in mind, however, that the results of each fund can change drastically year upon year. Before committing to a policy, you should always look at a wide range of factors, conduct a review with the help of our team of industry experts and read the policy documentation from the health fund you are interested in.
The main difference is that Medicare only covers hospital treatment as a public patient in a public hospital and a set range of non-hospital services such as GP visits and eye check-ups.
Private health insurance offers benefits beyond the public health system. Ambulance journeys and some out-of-hospital costs such as dental check-ups and glasses are not covered by Medicare.
In addition, appropriate private health cover allows you to choose your own doctor, be treated as a private patient in a public hospital (with access to improved facilities like a private room, subject to availability), cover gap fees and bypass long public hospital elective surgery waiting lists by choosing to have your treatment in a private hospital.
There are multiple government incentives for people to buy private health insurance, such as avoiding the Medicare Levy surcharge.
How much you pay for private health insurance depends on what level of cover you want and which provider you choose. On average, health insurance policies cost between $2000 to $3000 per year depending on whether you have hospital cover, extras cover, or a mixture of hospital and extras cover (combined policy).
It doesn’t cost anything to compare health insurance and switch to a better policy, so there’s no downside to choosing something better. For example, if you feel you’re paying too much in private health insurance premiums, you can shop around for a cheaper policy that still covers the things that are important to you.
Compare Club makes it easy to compare health insurance and choose a better policy. Our specialists will help you compare policies from our panel of trusted private health insurers so you can make the right switch.
Just because you are already signed up with a health insurance provider does not mean you are locked in forever. If you find a better alternative, you will not be penalised for shopping around.
You can do your own health insurance comparison and switch at any time without incurring additional charges.
Even better, if you have already paid some health insurance premiums in advance and you decide to switch, your insurer will calculate the difference and refund the remaining balance, usually in full.
Just remember that your unserved waiting periods will transfer to your new provider. So if you end up switching health insurance to an equivalent cover, you may need to finish these waiting periods before making a claim.
Think you could get a better deal? Switching health insurance does not need to be a hassle. Let us help you through the process of changing providers.
Identify which funds have the features you want, and shop around for value. It sounds simple, but health insurance can be confusing. Start by reading our guide on how to compare and select the right policy.
It is worth taking time to note down what health services you and your partner or family need today and in the future.
Doing this will make it easier to decide what level of hospital cover you need; Gold, Silver, Bronze or Basic. Look for the health fund package that includes everything you need without including many items you will likely never use.
There are other things to consider when choosing a health fund. How long will you have to wait before you can access treatment? What rebates can I get? Are there any limits to what I can claim on my extras? Will I get hit by gap fees?
As you can tell, trying to compare health insurance can be a time consuming and confusing process. That is why our specialists can compare policies from our panel of insurers in a matter of minutes and quickly help you find the cover you need at a price you can afford. If you’re looking for a quick and easy health insurance comparison, Compare Club has you covered.
Switching to another private health insurer is easier than you might think. All you need to do is contact the private health fund that offers the new policy you want to switch to. When you decide to make the switch, your former health fund will generate a clearance certificate for your new health fund.
Alternatively, you could leave all the hard work to the experts at Compare Club. Just provide us with some basic information about your personal circumstances (single, couple, family etc.) and what type of cover you’re looking for, and we’ll take care of the rest. Our specialists will provide you with the best possible policy options from a range of private health funds, leaving the final decision to you.
Learn more about how to switch your health insurance.
It can be hard to compare health insurance in Australia due to how many competitive options there are. Many policies, on the surface, are very similar, and unless you’re pretty familiar with the industry, figuring out the best policy for you can be difficult.
Think about what’s most important for you with a new health insurance policy and see how different private health funds stack up in those areas. If it all gets a bit much, don’t worry, you can use Compare Club to get a quick comparison from our health insurance experts. We’ll help you find private health insurance that covers what you need at a price you can afford.
Having appropriate private health insurance from an early age means you can avoid the Medicare Levy Surcharge (MLS), avoid Lifetime Health Cover loading and likely get the Australian government health insurance rebate.
If you earn over $90,000 as an individual or $180,000 as a family, you need to take out private health insurance to avoid being hit by the Medicare Levy Surcharge. This can be up to 1.5% of your income, depending on how much you earn.
Lifetime health cover loading, meanwhile, affects people who do not take out private hospital insurance before they are 31. If you decide to take our cover at a later age, you will pay a loading fee.
This is 2% for each year you did not hold cover from the 1st of July following your 31st birthday. So, if you are 35 when you decide to take out private health cover, you will pay a 10% loading fee. LHC is capped at 70%.
The private health insurance rebate is money the government contributes towards paying your private health insurance premiums. Your age and income determine the exact rebate you get.
You can claim the rebate through your health fund or apply it when you lodge your yearly tax return. Learn more about how the private health insurance rebate works in Australia.
If you have pre-existing conditions, you may not get immediate cover for what you want and will have to serve a waiting period before you can claim. If you are switching your health insurance policy to one with an equal or lesser level of cover, you will not need to re-serve waiting periods.
Learn more about pre-existing conditions and health insurance.
All your health insurance questions answered
with our in-depth guides
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Older Australians often have high premiums. Here's how seniors can get a good deal on their health cover.
Just looking for health cover for one? Here's how both first-timers and loyal customers can get value for money.
Things you should know
As our customer you'll be provided with quotes directly from the insurer for the product you intend to purchase. We manage the application and deal with the administration work and insurer. We do not charge you a fee for the service we provide, the insurer simply remunerates us in return for setting up your policy.
The financial and insurance products compared on this website do not necessarily compare all features that may be relevant to you. Comparisons are made on the basis of price only and different products may have different features and different levels of coverage. Compare Club does not compare all policies available in Australia and our partner insurers may not make all policies available to Compare Club.