fairhealthcare.com.au Open in urlscan Pro
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Effective URL: https://fairhealthcare.com.au/
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Text Content

Skip to content
 * Compare Health Insurance
 * Learn About
   * Health Insurance for Singles
   * Health Insurance for Couples
   * Health Insurance for Family
   * Health Insurance for Young Adults
   * Health Insurance for Over 50s
   * Health Insurance for Seniors Over 60 & 70
   * Health Insurance with Dental Cover
   * Health Insurance with Hospital Cover
   * Comparing Health Insurance with Physio Cover
   * Comparing Health Insurance with Optical Cover
   * Comparing Health Insurance with Massage Cover
 * Blog
   * Top 5 Best Health Insurance Funds in Australia (2024)
   * Private Health Funds AU: Does Bigger Mean Better?
   * List of the top health insurance companies in Australia
   * Best Health Insurance Funds in Western Australia
   * Medicare Levy Surcharge 2024: Explained
   * View more articles
 * Contact

Menu
 * Compare Health Insurance
 * Learn About
   * Health Insurance for Singles
   * Health Insurance for Couples
   * Health Insurance for Family
   * Health Insurance for Young Adults
   * Health Insurance for Over 50s
   * Health Insurance for Seniors Over 60 & 70
   * Health Insurance with Dental Cover
   * Health Insurance with Hospital Cover
   * Comparing Health Insurance with Physio Cover
   * Comparing Health Insurance with Optical Cover
   * Comparing Health Insurance with Massage Cover
 * Blog
   * Top 5 Best Health Insurance Funds in Australia (2024)
   * Private Health Funds AU: Does Bigger Mean Better?
   * List of the top health insurance companies in Australia
   * Best Health Insurance Funds in Western Australia
   * Medicare Levy Surcharge 2024: Explained
   * View more articles
 * Contact

 * Compare Health Insurance
 * Learn About
   * Health Insurance for Singles
   * Health Insurance for Couples
   * Health Insurance for Family
   * Health Insurance for Young Adults
   * Health Insurance for Over 50s
   * Health Insurance for Seniors Over 60 & 70
   * Health Insurance with Dental Cover
   * Health Insurance with Hospital Cover
   * Comparing Health Insurance with Physio Cover
   * Comparing Health Insurance with Optical Cover
   * Comparing Health Insurance with Massage Cover
 * Blog
   * Top 5 Best Health Insurance Funds in Australia (2024)
   * Private Health Funds AU: Does Bigger Mean Better?
   * List of the top health insurance companies in Australia
   * Best Health Insurance Funds in Western Australia
   * Medicare Levy Surcharge 2024: Explained
   * View more articles
 * Contact

Menu
 * Compare Health Insurance
 * Learn About
   * Health Insurance for Singles
   * Health Insurance for Couples
   * Health Insurance for Family
   * Health Insurance for Young Adults
   * Health Insurance for Over 50s
   * Health Insurance for Seniors Over 60 & 70
   * Health Insurance with Dental Cover
   * Health Insurance with Hospital Cover
   * Comparing Health Insurance with Physio Cover
   * Comparing Health Insurance with Optical Cover
   * Comparing Health Insurance with Massage Cover
 * Blog
   * Top 5 Best Health Insurance Funds in Australia (2024)
   * Private Health Funds AU: Does Bigger Mean Better?
   * List of the top health insurance companies in Australia
   * Best Health Insurance Funds in Western Australia
   * Medicare Levy Surcharge 2024: Explained
   * View more articles
 * Contact


HEALTH INSURANCE COMPARISON IN AUSTRALIA


YOU DESERVE A HEALTH FUND THAT PAYS MORE.

Test Page
Compare Health Insurance
“I spoke with Mark who provided such insightful and honest information regarding
private health care. He made the process so easy and was able to find me the
best deal”


CAROLINE SUTTON





HEALTH INSURANCE COMPARISON IN AUSTRALIA


YOU DESERVE A HEALTH FUND THAT PAYS MORE.

Test Page
Compare Health Insurance
“I spoke with Mark who provided such insightful and honest information regarding
private health care. He made the process so easy and was able to find me the
best deal”


CAROLINE SUTTON

Excellent
Based on 558 reviews

Leon Smith
August 7, 2024
Edward is a superstar.....if you are like us 🤔🫣 and have not reviewed your
private health insurance needs, you need to get in touch. After a simple
conversation and audit of our situation and needs, Edward came back with
recommendations to discuss making the informed decision easy.
I wish we'd have done this a lot earlier.....I now understand my cover and am
very happy with our premium. Thank you Edward, you are a true humanistic
professional mate.
 
Tamisha P.
August 7, 2024
Verified
I spoke with William today and i am so glad i had the opportunity to. I knew
exactly what i wanted and needed out of my insurance and he was able to listen
and assist in that time to get the best results for me! Thankyou!
 
Lou
August 7, 2024
Verified
Not pushy and was open with information and guided me through the process
 
Ann
August 2, 2024
Verified
I was assisted by Alexander to find right cover for my family. Throughout the
conversation he displayed utmost professionalism and genuine concern for our
needs. What impressed me the most was prompt follow up and explaining policies
in detail. I would highly recommend Fair Health Care Alliance to my friends and
family.
 
david y.
August 2, 2024
Verified
Excellent service, extreme product knowledge and willingness to obtain the best
product for us. We feel very confident to refer Fair Health Care Alliance to
other prospective clients
 
Debbie Kennedy
August 1, 2024
Verified
I just finished a phone call with Aidan to finalize signing me up to health
insurance. Aidan was extremely clear and concise, he made everything very easy
to understand and was thoroughly professional. He was excellent at communicating
via text, email & phone calls - always very prompt. He was also flexible about
changing our sign-up phone call. Our original time/date for our sign-up call was
supposed to be on Monday of next week, but I received some necessary information
from my dentist today, and with that information he was able to do the call
today, instead! Very helpful as this enabled me to finish signing up today
instead of early next week. Aidan really was excellent in every way and was very
pleasant to speak to as well. Lovely guy!
 
Ally McGarvey
July 31, 2024
I will be recommending Fair Health Care Alliance to anyone who is looking into/
changing private health care providers. This company works as a third party
assisting you in finding the best health care plan for your needs. I’m more than
happy with William’s assistance this afternoon, he made a stressful process
seamless and simple.
 
John
July 31, 2024
Verified
Jennie was very knowledgeable and listened to everything my family needed in a
healthcare policy. Additionally she was very kind resulting in a very suitable
policy, thankyou
 
Jacinta
July 31, 2024
Verified
Very thorough, very fair and considerate. I spoke with Alexander who was
excellent.
 
Indigo S.
July 31, 2024
Verified
Very knowledgeable and helped find me a policy suited to my needs
 
Lin Kennett
July 30, 2024
Very professional and informative. Aidan made it a lot easier for me to find the
right insurance which suits much better than my previous one. Would recommend
him and FHCA to others.
 
Dexter Lagadon
July 30, 2024
He explain so clear and good
 
uy huynh
July 30, 2024
Aidan was very helpful to find perfect one for avoiding medicare levy surcharge.
I’m happy with the outcome. Thanks
 
Priyedev Lohchab
July 30, 2024
Jennie is very helpful, she helped to find the best and cheapest policy for me
and then managed the whole switch over process seamlessly
 
chrissy (Coastal chick)
July 30, 2024
Yes I would recommend fair health alliance for your health fund needs
Excellent customer service to see all your options
If you yourself found a fund go to them to compare the deal
Better than most comparison sites
Try it you have nothing to lose
But a lot to gain
Cheers
Chris s
 
PRAMILA KC
July 29, 2024
Highly recommend. Truly exceptional service by Alexander.
 
Annie Callanan
July 27, 2024
Excellent service. Very clear explanations thorough research, spoke very clearly
and respectfully - more than delighted with the result.
 
Gael Mcnair
July 26, 2024
Jennie was awesome….helpful….explained everything fully….and I am now so happy
to be with a new private health provider…thanks to Jennie checking all available
options and coming up with the best value and needs being looked
after….Brilliant …thank you Jennie so much 😊😊😊😊
 
Chiat Naun Chew
July 26, 2024
Jennie made finding suitable health cover very easy, and I ended up with a
policy that gave markedly better coverage in the areas I most need than I had
previously.
 
Claudia Iselin
July 25, 2024
Verified
Will Koder was very knowledgeable and helpful with a great result.
 



TRUSTED BY




SELECT A COVER FOR...


JUST MYSELF - FEMALE


JUST MYSELF - MALE


JUST TWO OF US


JUST US AND THE KIDS


JUST ME AND THE KIDS


COMPARE HEALTH INSURANCE WITH FAIR HEALTH CARE ALLIANCE

We are an Australian-based private health insurance comparison service that uses
a holistic approach to providing helpful advice for our clients. Respect,
clarity, and care are three core values of our service. Our team’s philosophy is
to give every customer the same advice we would offer to close friends and
family.
 * Completely free service for you
 * Company and helpful advisers all based in Australia
 * We cater to your changing health needs throughout life – singles, couples,
   families, young adults, over 50s and seniors
 * The only health fund comparison recommended by the Australian Dental
   Association (ADA)
 * Respect. No automatic phone dialers hassling your phone.


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Compare Health Insurance


PRIVATE HEALTH INSURANCE SHOULD BE SIMPLE.


WHY DO WE NEED TO COMPARE DIFFERENT HEALTH INSURANCE FUNDS?

Approximately 14.3 million Australians hold a private health insurance hospital
and/or extras policy, which is spread across more than 40 different health
funds.

When each health insurer hosts an extensive selection of policy types and levels
of coverage – how does one pick through the piles of paper to find a better
value policy? Value isn’t just about the lowest price, and cheaper rarely ever
means better.

When comparing health insurance, it’s important to match your personal health
requirements with a hospital cover and/or extras policy that covers the
just-in-cases and pays generously on the things you claim most… and it’s just as
important to make sure you’re not paying for things you may not need!



PRIVATE HOSPITAL COVER

 * Compare Bronze, Silver & Gold levels of hospital cover
 * Cover what you need, remove the things you don’t


EXTRAS COVER

 * Get more back when you claim
 * Generous rebates at your choice of health provider


AMBULANCE COVER

 * Emergency cover for when you need it most
 * Emergency-only, Comprehensive or Air, Land & Sea

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Compare Health Insurance


YOU DESERVE FAIRNESS

We are striving towards more fairness in the Australian health alliance
landscape. Unfortunately, some health insurers can discriminate by paying out
much less if you choose not to attend one of their preferred providers.

We’re in the business of helping Australians compare private health insurance
policies with health funds that generally pay fairly regardless of which health
practice or professional is attended.
GET STARTED



YOU DESERVE TO BE HEARD

There’s only one You. Everyone covered by your policy has a unique set of health
needs. We will help you compare private health insurance policies and choose one
that better meets your private hospital and extras needs as an individual,
couple, or family.

Not everyone needs pregnancy, hip replacements, or orthodontics covered – are
you paying for things you don’t need?
BOOK A QUOTE CALLBACK


OUR HEALTH FUND COMPARISON PROMISE

We will help you compare health insurances and choose one that better meets your
private hospital and extras needs as an individual, couple or family.

Our advisors are adept at helping you compare health funds side-by-side with
your current policy, highlighting the pros and cons with honesty and
transparency.
LEARN MORE



WHAT OUR CUSTOMERS SAY

Excellent
Based on 558 reviews

Leon Smith
August 7, 2024
Edward is a superstar.....if you are like us 🤔🫣 and have not reviewed your
private health insurance needs, you need to get in touch. After a simple
conversation and audit of our situation and needs, Edward came back with
recommendations to discuss making the informed decision easy.
I wish we'd have done this a lot earlier.....I now understand my cover and am
very happy with our premium. Thank you Edward, you are a true humanistic
professional mate.
 
Tamisha P.
August 7, 2024
Verified
I spoke with William today and i am so glad i had the opportunity to. I knew
exactly what i wanted and needed out of my insurance and he was able to listen
and assist in that time to get the best results for me! Thankyou!
 
Lou
August 7, 2024
Verified
Not pushy and was open with information and guided me through the process
 
Ann
August 2, 2024
Verified
I was assisted by Alexander to find right cover for my family. Throughout the
conversation he displayed utmost professionalism and genuine concern for our
needs. What impressed me the most was prompt follow up and explaining policies
in detail. I would highly recommend Fair Health Care Alliance to my friends and
family.
 
david y.
August 2, 2024
Verified
Excellent service, extreme product knowledge and willingness to obtain the best
product for us. We feel very confident to refer Fair Health Care Alliance to
other prospective clients
 
Debbie Kennedy
August 1, 2024
Verified
I just finished a phone call with Aidan to finalize signing me up to health
insurance. Aidan was extremely clear and concise, he made everything very easy
to understand and was thoroughly professional. He was excellent at communicating
via text, email & phone calls - always very prompt. He was also flexible about
changing our sign-up phone call. Our original time/date for our sign-up call was
supposed to be on Monday of next week, but I received some necessary information
from my dentist today, and with that information he was able to do the call
today, instead! Very helpful as this enabled me to finish signing up today
instead of early next week. Aidan really was excellent in every way and was very
pleasant to speak to as well. Lovely guy!
 
Ally McGarvey
July 31, 2024
I will be recommending Fair Health Care Alliance to anyone who is looking into/
changing private health care providers. This company works as a third party
assisting you in finding the best health care plan for your needs. I’m more than
happy with William’s assistance this afternoon, he made a stressful process
seamless and simple.
 
John
July 31, 2024
Verified
Jennie was very knowledgeable and listened to everything my family needed in a
healthcare policy. Additionally she was very kind resulting in a very suitable
policy, thankyou
 
Jacinta
July 31, 2024
Verified
Very thorough, very fair and considerate. I spoke with Alexander who was
excellent.
 
Indigo S.
July 31, 2024
Verified
Very knowledgeable and helped find me a policy suited to my needs
 
Lin Kennett
July 30, 2024
Very professional and informative. Aidan made it a lot easier for me to find the
right insurance which suits much better than my previous one. Would recommend
him and FHCA to others.
 
Dexter Lagadon
July 30, 2024
He explain so clear and good
 
uy huynh
July 30, 2024
Aidan was very helpful to find perfect one for avoiding medicare levy surcharge.
I’m happy with the outcome. Thanks
 
Priyedev Lohchab
July 30, 2024
Jennie is very helpful, she helped to find the best and cheapest policy for me
and then managed the whole switch over process seamlessly
 
chrissy (Coastal chick)
July 30, 2024
Yes I would recommend fair health alliance for your health fund needs
Excellent customer service to see all your options
If you yourself found a fund go to them to compare the deal
Better than most comparison sites
Try it you have nothing to lose
But a lot to gain
Cheers
Chris s
 
PRAMILA KC
July 29, 2024
Highly recommend. Truly exceptional service by Alexander.
 
Annie Callanan
July 27, 2024
Excellent service. Very clear explanations thorough research, spoke very clearly
and respectfully - more than delighted with the result.
 
Gael Mcnair
July 26, 2024
Jennie was awesome….helpful….explained everything fully….and I am now so happy
to be with a new private health provider…thanks to Jennie checking all available
options and coming up with the best value and needs being looked
after….Brilliant …thank you Jennie so much 😊😊😊😊
 
Chiat Naun Chew
July 26, 2024
Jennie made finding suitable health cover very easy, and I ended up with a
policy that gave markedly better coverage in the areas I most need than I had
previously.
 
Claudia Iselin
July 25, 2024
Verified
Will Koder was very knowledgeable and helpful with a great result.
 



OVER 25 YEARS OF COLLECTIVE EXPERIENCE

We’ve been helping Australians compare and switch health insurance for over 25
years of combined experience. Our approach to health insurance advice is active
listening: we listen to everything that is important to our customers and help
match them to a health insurance policy that suits them best.
SPEAK TO FHCA


HEALTH INSURANCE FAQ

Do I have to serve waiting periods when switching health insurance?

You don’t have to re-serve any waiting periods that have already been served
when switching from another health insurance fund. Your new health fund will
recognize what you are already covered for and waive the waiting periods if
moving to an equivalent level of coverage on your new private hospital or extras
policy. In short, anything you are covered for now port across. You may have to
serve waiting periods if moving to a higher level of cover but only for the
items that were not previously covered.

Do I need health insurance?

Private health insurance can benefit you in multiple ways. A private hospital
product can cover you in a private hospital for in-patient services with your
choice of private doctor, and help you avoid public waiting lists for the
procedure. Hospital cover also helps you avoid the Medicare Levy Surcharge tax
and accruing Lifetime Health Cover Loading (LHC). Extras cover can help cover
the cost of health services generally not covered by Medicare like dental,
optical, physiotherapy, chiropractic plus more.

Why should I compare health insurance with Fair Health Care Alliance?

Health insurance comparison is very important when selecting your new health
insurance policy. It allows you to compare hundreds of products in the market at
once. When you compare with Fair Health Care Alliance, an experienced health
insurance advisor will take you through an analysis of your health needs to help
match you to a great product. You should compare health insurance with Fair
Health Care Alliance because we focus on value, increasing payouts on claims,
and health fund reputation. It’s not all about what’s cheaper!

Who is the best health insurance fund in Australia?

The best health insurance fund in Australia is determined by who is asking the
question. Health insurance companies come in all different shapes and sizes with
an array of numerous policies that suit different health needs across hospital
and extras. Features that can determine the best health insurance are policy
cost, rebates for the extras you use most, fund reputation with hospitals, and
doctors and ambulance cover.

What is Lifetime Health Cover Loading (LHC)?

Lifetime Health Cover Loading (LHC) is a penalty that increases the cost of your
private hospital cover. The penalty is accrued by 2% for every year you are over
the age of 30 and have not held a hospital cover policy while residing in
Australia. LHC stops accruing when you take out a policy and can be entirely
reset back to 0% by holding continuous hospital cover for 10 years. Other
factors can influence what your LHC loading could be.

Are not-for-profit health insurance funds better?

There are close to 40 private health insurance funds in Australia, and most of
them operate on a Not-For-Profit business model. However, the market is
dominated by For-Profit health funds such as Medibank and BUPA, with around 54%
of insured Australians being with one of the two. Does a bigger health insurance
company make them perform better? The data would suggest not.

What is ‘freedom of choice’ in relation to comparing health insurance?

Freedom of choice means being a member of a private health insurance fund that
pays claims and rebates fairly and without discrimination at any health provider
in Australia. This means you retain the right to decide which doctor, dentist,
physiotherapist, or chiropractor you attend for health treatment without being
penalised because your chosen specialist is not a preferred provider with your
health fund. It should always be your choice – this is what Fair Health Care
Alliance is all about.


HEALTH INSURANCE ARTICLES


BEST HEALTH INSURANCE FUNDS IN WESTERN AUSTRALIA

December 5, 2023

We take a look at health insurance in Western Australia (WA) and compare the
perfomance of health funds in terms of market share, member base, benefits and
gap cover.

Read More »


UNDERSTANDING WAITING PERIODS WHEN SWITCHING HEALTH FUNDS

December 5, 2023

We’re often asked whether you have to re-serve any waiting periods when
switching to another health fund. We explain in this article.

Read More »


PREFERRED PROVIDER PLATFORMS HURT INDEPENDENT HEALTH PRACTICES

December 5, 2023

At Fair Health Care Alliance, we believe in fair treatment and the choice should
always be yours.

Read More »


SPEAK WITH A HEALTH ADVISER

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Health) HBF HCF HCI Health.com.au Health Partners HIF Hunter Health LaTrobe
Health Medibank Mildura Health Fund MyOwn Navy Health NIB Nurses and Midwives
Onemedifund Peoplecare Phoenix Police Health Quantas Assure Queensland Country
Reserve Bank Health RT Health St Lukes Teachers Health Fund Transport Health TUH
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1300 955 691
Suite 1/600 Victoria St Richmond, VIC, 3121

Monday-Thursday: 9am – 6pm
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Fair Health Care Pty Ltd (ABN 86 622 966 303) provides independent private
health insurance advice under the operating license of The ItsMy Group Pty Ltd
(ABN 85 167 289 965), who are signatories to the Private Health Insurance
Intermediaries Code of Conduct. All advice is provided within strict adherence
to this code.

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