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Compare health insurance

Reviewed by our experts

  • We help you choose the right level of cover
  • We rate policies on price and value
  • We don't take commissions from health funds

How we can help you choose

Private health insurance changed to meet new rules from 1 April. Here’s what you need to know.

Comparing or finding a new policy

Check what level of cover is best for you with our quiz: Do I need gold, silver or bronze health insurance? Then see the best in each category, as scored by our experts:

Or if you just want insurance to avoid paying extra tax, see cheapest health insurance – just don't rely on these for cover. 

For extras policies, see:

Ways you can save

Choose a higher excess. Higher excesses of up to $750 per person and up to $1500 per couple/family will be available. Choosing a higher excess will reduce your premium.

Get an U30s discount. For every year you're under 30, funds can offer a discount of 2% on your premium, up to a max of 10% for 18- to 25-year-olds. You can keep the full discount till you're 40.

Why health insurance is changing

The federal government's health insurance reforms aim to make insurance easier to understand. That's the theory, anyway.

Under the new rules, all hospital policies will change starting 1 April to fit into one of four tiers:

  • Gold
  • Silver
  • Bronze
  • Basic

Take our quiz Do I need gold, silver or bronze health insurance? to find out what's best for you.

Do you really need health insurance?

Not everyone needs private health insurance in Australia. Medicare covers your care in public hospitals.

If you're seriously ill or have an accident you’ll usually end up in the nearest public hospital in emergency and receive high quality care for free.

But some people can benefit from private health insurance or save at tax time. Take the Do I need health insurance? quiz to see if you're one of them.