Got kids or thinking about having a baby? Here's everything you need to know about covering your family.
Welcome to Compare Club Health
Here's how you can benefit from private health cover
Understand how we can help you save
We make it easier to switch health cover
There's over 3,500 different health insurance policies available to Australians. So what's best for you? We make comparing health cover simple, quickly showing you the best value policies from our trusted panel of insurers.
Switching health insurers shouldn't mean that you have to wait for months to use your cover. We could find you a cheaper policy with a similar or lower level of cover, so you won't need to serve any new waiting periods.
10 years of helping Aussies
We've been saving Australians hundreds of dollars on their health insurance since 2010. Our team knows their cataracts from their chiropractors, so you can be confident you're getting health cover that fits your needs at a price that won't give you a migraine.
Free & Simple
We're free to use, there's no hidden fees and our team takes care of all your paperwork. There's no obligation to buy, but we're confident that you'll find a better deal in a matter of minutes.
30 days cooling off period
Changed your mind? Found a better deal? No worries. You can cancel your new policy anytime during the first 30 days - although we're confident you'll love how much we can save you.
Direct Price Guarantee
Buy through us! If you find the same policy at a cheaper price elsewhere, we'll pay you 110% of the difference in price for the first year of the policy.
Avoid Paying Extra Taxes And Penalties
Health insurance could actually save you money. If you earn over $90,000 per year - or $180,000 as a family - getting hospital cover means you'll avoid the government's Medicare Levy Surcharge.Get a quote
All your Health Insurance questions answered
with our in depth guides
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Need Health Insurance?
Our team of specialists can help.
Find health cover that fits your needs. Call us on1300 757 819
8am - 8pm AEST / Mon-Fri
Common questions about comparing Health Insurance.
Here are some of the most frequently asked questions we receive about Health insurance:
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:
- How much you can afford to and are willing to pay each month for your health insurance
- What sort of medical treatments and services you want cover for
- What level of cover you think you'll require (e.g. do you just want the basics covered, or are you after a comprehensive gold-tiered health insurance policy?)
- Any health concerns you want a policy to specifically cater to
- What is important to you in a health fund (e.g. is it reputation? Customer service? Percentage of claims paid out?)
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, comparing can help you identify how each fund competes in premiums, coverage conditions and other factors that are important to you.
Compare Club currently compares a range of 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. Medicare does not cover the cost of ambulance journeys and some out-of-hospital costs such as dental check-ups and glasses.
In addition, appropriate private health cover allows you to choose your own doctor, a private hospital, cover gap fees and bypass long elective surgery waiting lists.
There are multiple government incentives for people to buy private health insurance, such as avoiding the Medicare Levy surcharge.
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, comparing 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.
You can switch at any time without incurring additional charges. It is a consumer's market - so take advantage of the competition.
Even better, if you have already paid some 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 on an equivalent cover, you may need to finish these waiting periods before you can make a claim.
Think you could get a better deal? Switching health cover does not need to be a hassle, let us help you through the process of changing providers.
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 the 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%.
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 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.
* Our average customer saved $312 on their annual health insurance premium, based off 25,311 customers during 2020
** You could be saving up to $219 on your energy bills by shopping around. ACCC, Enquiry into the National Electricity Market, September 2020.