01.Introduction
Compare policies with our interactive tool
We've analysed hospital, extras and combined policies on their policy conditions, restrictions and benefits. Our interactive tool allows you to search through our database of more than 10,000 policies to find the best one for you.
Best buys for hospital, extras and combined policies
Compared to similar hospital policies, our Best Buys (for family cover) can save you on average as much as:
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$673 on a full-cover without an excess
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$464 for a full-cover with up to $500 annual excess
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$638 for full cover with up to $1000 annual excess
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$184 for restricted-cover policies with up to $1000 annual excess
We've also analysed extras and combined policies from 17 funds and come up with our Best Buys - policies that give you good cover at a competitive price.
Funds included
- AHM
- Australian Unity
- Defence Health*
- GMHBA
- HBA
- HBF
- HCF
- Health Partners
- Latrobe
- MBF
- Medibank Private
- Mutual Community
- Navy Health*
- NIB
- Peoplecare
- Teachers Federation Health*
- Teachers Union Health*
*Restricted membership funds: We haven't included them in our Best Buys but found they compared well against open membership funds, for policy details use the interactive policy comparison tool.
What you'll get in this report
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Step-by-step guide: We'll guide you through the process of buying insurance.
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Interactive policy comparison tool: Search through our database of more than 10,000 policies to find the best one for you.
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Mind the gap: On average, 42% of private patients paid out-of-pocket costs of more than $1000 in 2007. We show you how to avoid or reduce these costs.
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Fine print checklist: A practical checklist of questions to ask and conditions to check. Read this before you shop around.
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Switching checklist: Switching can become stressful if things go wrong. Use our tips to avoid switching traps.