Expert help comparing private health insurance policies to find the right cover for your needs and budget. Save on hospital and extras cover while avoiding tax penalties. We help you compare private health insurance policies to find the right cover for your needs and budget. Our service includes policy analysis, cost comparison, and switching assistance to ensure you get the best value. With access to multiple providers and deep understanding of Australian health insurance regulations, we simplify the complex process of choosing the right cover. Comprehensive comparison of policies from multiple providers to find the best value. Detailed analysis of premiums, out-of-pocket costs, and coverage benefits. Help switching policies while managing waiting periods and continuity of cover. Guidance on Medicare Levy Surcharge and Lifetime Health Cover loading. Assistance with new policy applications and understanding policy documents. Help understanding claims processes and maximizing your insurance benefits. We assess your healthcare needs, budget, and current situation to understand your requirements. We compare policies from multiple providers and create a shortlist of suitable options. We analyze costs, benefits, exclusions, and out-of-pocket expenses for each option. We assist with applications or switching policies, managing waiting periods and paperwork. Covers treatment as a private patient in hospital. Includes accommodation, theatre fees, and medical services. Different tiers available from Basic to Gold. Covers ancillary services like dental, optical, physiotherapy, and chiropractic. Helps with out-of-hospital healthcare costs. Combines hospital and extras cover in one policy. Often provides better value than separate policies. Emergency ambulance services coverage. Essential in states where ambulance services aren’t covered by Medicare. Avoid the MLS (1-1.5% of income) by having appropriate private hospital cover if you earn over $93,000 singles/$186,000 families. Save 2% on premiums for each year you’re insured before age 31. Avoid LHC loading by getting cover before July 1 following your 31st birthday. Government rebate that reduces your premium costs. The amount depends on your age and income. Choose policies with good gap cover arrangements to minimize out-of-pocket expenses for hospital treatments. *Costs are approximate and vary by provider, age, and location Our health insurance comparison service is designed for individuals and families navigating the complex Australian health insurance landscape. Book a free 15-minute consultation to discuss your health insurance needs. We’ll compare policies and find the best cover for your situation while maximizing savings.
Private Health Insurance Comparison
Find the Right Health Cover
Health Insurance Services
Policy Comparison
Cost-Benefit Analysis
Switching Assistance
Tax Implications
Application Support
Claims Guidance
Our Insurance Comparison Process
Needs Analysis & Budget Setting
Policy Comparison & Shortlisting
Cost-Benefit Analysis
Application or Switch Assistance
Types of Health Cover
Hospital Cover
Extras Cover
Combined Cover
Ambulance Cover
Tax Benefits & Savings
Medicare Levy Surcharge
Lifetime Health Cover
Private Health Insurance Rebate
Avoid Gap Payments
Policy Tier Comparison
Cover Level
Hospital Services
Typical Cost (Single)
Best For
Basic
Restricted cover for a few services
$80 – $120/month
Young, healthy individuals avoiding MLS
Bronze
Minimum required categories
$100 – $150/month
Budget-conscious with some coverage needs
Silver
Good range of hospital treatments
$130 – $200/month
Families and middle-aged individuals
Gold
Comprehensive cover including pregnancy
$180 – $300+/month
Comprehensive coverage needs
Who Needs Health Insurance Help?
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Health Insurance FAQs
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When should I get private health insurance?
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Consider getting private health insurance: 1) Before age 31 to avoid Lifetime Health Cover loading, 2) Before July 1 if you want to avoid the Medicare Levy Surcharge for the next financial year, 3) When your income exceeds $93,000 (singles) or $186,000 (families), 4) When you need specific healthcare services not covered by Medicare.
What’s the difference between hospital and extras cover?
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Hospital cover pays for treatment as a private patient in hospital (accommodation, theatre fees, medical services). Extras cover pays for ancillary services out of hospital (dental, optical, physio, chiro). You can purchase them separately or together in a combined policy. Hospital cover helps avoid tax penalties, while extras provides everyday healthcare benefits.
Can you help me switch policies?
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Yes, we specialize in switching assistance. We help you compare your current policy with alternatives, manage waiting periods (you may not have to re-serve waiting periods for equivalent cover), handle the paperwork, and ensure continuity of cover. We also help you understand any implications of switching.
What is the Medicare Levy Surcharge?
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The MLS is an additional tax of 1-1.5% of your income that applies if you earn above certain thresholds ($93,000 for singles, $186,000 for families) and don’t have an appropriate level of private hospital cover. Having hospital cover helps you avoid this surcharge, which can often cost more than the insurance premiums.
What are waiting periods?
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Waiting periods are the time you must wait before you can claim certain benefits. Typical waiting periods are: 2 months for general extras, 12 months for major dental, 12 months for pre-existing conditions, and 2 months for obstetrics. We help you understand waiting periods and manage them when switching policies.