Get free health cover quotes matched to you
Complete the 30-second quiz below to get free health cover quotes.
Free to request
Getting quotes costs you nothing.
No obligation
You do not have to switch or buy anything.
A real person to talk to
A health insurance consultant goes through your options with you.
You decide
If your current policy already suits you, you keep it.
How this works
Three steps, and you can stop at any one of them
You tell us your situation
Your age, your state, who needs cover and what matters to you. No typing until the last step.
A consultant contacts you
A health insurance consultant from our partner compares policies against your answers and goes through them with you.
You decide, in your own time
Ask anything about premiums, excesses and waiting periods. There is no obligation, and if your current policy already suits you, you keep it.
What we ask, and why it changes the price
Most comparison forms ask for your details first and your situation second. We do it the other way around, because four of these answers move the premium more than the choice of fund does.
Your age
The Australian Government Rebate is age-tiered: under 65, 65 to 69, and 70 and over. Crossing into the next bracket increases the rebate and lowers what you pay, without you changing policy at all. Lifetime Health Cover loading works in the opposite direction: 2% for every year over 30 that you went without hospital cover, capped at 70%, and removed after ten continuous years of cover.
Your state
Premiums are set state by state, and ambulance cover is the clearest example of why it matters. In Queensland and Tasmania ambulance is covered by the state government, so paying a fund for it is paying twice. In New South Wales, Victoria and elsewhere it is not.
Whether you already hold cover
Waiting periods you have already served transfer when you switch to an equivalent level of cover. People stay on policies they have outgrown because they believe the twelve-month pre-existing condition wait starts again. For an equivalent switch, it does not.
What you want covered
Hospital cover is the only kind that removes the Medicare Levy Surcharge, and only if the excess is no more than $750 for a single or $1,500 for a couple or family. An extras policy, however expensive, does nothing for your surcharge position.