Expert reviews and comparisons to help you find the best private health insurance for your needs and budget
We analyse premiums, coverage, and customer satisfaction to bring you the top choices
Everything you need to know to make an informed decision
Hospital cover helps with inpatient medical costs in private hospitals, while extras cover pays for out-of-pocket expenses like dental, optical, and physiotherapy. Many Australians choose a combination of both.
Learn MoreThe excess is the amount you pay when you make a claim before your insurance kicks in. Higher excess typically means lower monthly premiums. Consider your health needs and budget when choosing.
Learn MoreAll health funds have waiting periods before you can claim. Pre-existing conditions may have up to 12 months waiting. Understanding these helps you plan your coverage needs effectively.
Learn MorePrivate health insurance gives you choice of doctor, shorter wait times for elective surgery, and access to private hospital rooms. Public healthcare is free but may involve longer wait times.
Learn MoreIf you're over 31, you may face a 2% loading on your hospital premium for every year you don't have private hospital cover. Taking out cover before 1 July following your 31st birthday can help you avoid this permanent loading.
We compare health insurance providers based on multiple factors including premium costs, coverage options, customer satisfaction ratings, claim processing times, and network size. Our reviews are independent and not influenced by the insurance providers. The prices shown are indicative rates for a single adult with basic hospital cover and may vary based on your location, age, and specific needs. We recommend obtaining a personalized quote from each provider before making your decision.