compareclub.com.au Open in urlscan Pro
13.33.88.117  Public Scan

Form analysis
0 forms found in the DOM

Text Content

Health Insurance Health
 * Insurance
 * Credit & loans
 * Energy
 * Expert Analysis
 * 1
   1
   
   Discover more ways to save money
   
   Check out these exclusive perks for Club+ members. Sign-up for free to get
   access now.
   
   
   
 * Login
 * Join the Club

 * 

 * 
 * Speak to us
   
   1300 757 819
   
   Mon-Fri 8am-10pm AEST Sat 9am-5pm AEST
   
   

 * 
 * 
 * 1
 * 
 * 

 * 

 * 
   
 * 



 * Speak with us

 * Request a callback

 * Chat
   Live Chat
 * GET YOUR FREE QUOTE

SPEAK WITH US

Our experts can provide you with free personal advice.

CALL 1300 757 819

Mon-Fri 8am-10pm AEST

Sat 9am-5pm AEST

CANCEL



GET MORE FROM YOUR COVER.
COMPARE YOUR HEALTH
INSURANCE TODAY.

We have in comparing
health insurance.
Get expert help in saving money on your cover in just a few minutes.
Plus we’ll even take care of the paperwork.

COMPARE & SAVE



GET MORE FROM YOUR COVER.
COMPARE YOUR HEALTH
INSURANCE TODAY.

We have in comparing
health insurance.
Get expert help in saving money on your cover in just a few minutes.
Plus we’ll even take care of the paperwork.

COMPARE & SAVE


Our customers say

Excellent

4.6 out of 5 based on 2717 reviews

Lowest Price Guarantee

Our Lowest Price Guarantee means that even if you could find the same policy for
cheaper elsewhere, we’ll give you one months premium free


OUR PRIVATE HEALTH INSURANCE PARTNERS

+ MORE


WHY COMPARE HEALTH INSURANCE?

Here’s how our experts can help you with your health insurance

Avoid the Medicare Levy Surcharge

Avoid long waits for surgery

Get the best value
cover

Save on extras that matter to you


WHAT ARE THE BENEFITS OF PRIVATE HEALTH COVER?

Private Health Cover
 * Covers elective surgery procedures and treatments
 * Subsidised access to private hospital rooms
 * Reduced wait times on elective surgeries
 * Choose preferred doctor or surgeon
 * Rebates for non-Medicare funded care
   (e.g. ambulance, dental, optical, physio)
 * Exemption from MLS
 * Exemption from LHC if health cover taken out at 30 years old

Medicare Australia
 * Does not cover non-essential surgeries or treatments
 * Access to a public hospital bed on a ward
 * Often longer wait times on elective surgeries in public hospitals
 * Medical practitioner chosen for you
 * Non-Medicare funded care paid for in full by patient
 * Must pay the MLS if income is above threshold
 * LHC must be paid at 2% for each year private health cover wasn’t in place
   since age 30


WHAT IS HOSPITAL COVER?

This is the part of your cover that pays for your hospital stay, hospital care,
and any medications you receive
while in hospital. What treatments you’re covered for, and the extent of that
cover depends on the tier of cover
you get. See below:

slide 1 to 4 of 5
GOLD TIERS

Average Premiums: $193

Treatment Included:
covers all 38 clinical categories of surgery & treatments

SILVER TIERS

Average Premiums: $150

Treatment Included:
covers all 26 clinical categories of surgery & treatments

BRONZE TIERS

Average Premiums: $100

Treatment Included:
covers all 18 clinical categories of surgery & treatments

BASIC TIERS

Average Premiums: $86

Treatment Included:
Minimal cover for hospital

OVHC

Average Premiums: Varies

Treatment Included:
Depending on your visa & situation, policies may include hospital, dental, GP &
ambulance cover


HOW MUCH DO HEALTH INSURANCE PREMIUMS COST?

  QLD VIC NSW SA WA TAS AUS Couple 50+ $439.23 $458.80 $424.66 $409.28 $373.64
$413.03 $419.77 Singles $219.61 $229.40 $212.33 $204.64 $186.82 $206.51 $208.89

Now that you’ve got an idea of what you need, speak to the experts at Compare
Club. We can match the policies on our panel to your needs to make sure you’re
on cover that suits you at a price that won’t break the bank.


GETTING HEALTH INSURANCE FOR THE FIRST TIME

Being smart when selecting health cover means you get more than just a tax
saving. From free dental check-ups to peace of mind you're covered for common
hospital procedures, you can balance what you need against your budget.

First-Time Buyers
Switching Plans
Waiting Periods
Private health insurance can offer shorter waiting periods for certain
treatments compared to public healthcare.
Medicare Levy Surcharge
Private health insurance can help you avoid the Medicare Levy Surcharge,
potentially saving you money at tax time.
Lifetime Health Cover Loading
Getting private health insurance can help you avoid Lifetime Health Cover
Loading, saving you money in the long run.
Hospital Wait Times
Private health insurance often means shorter hospital wait times for elective
surgeries, enhancing your healthcare experience.
Extras Cover
Extras cover allows first-time buyers to claim on services not covered by
Medicare, like dental and physiotherapy.

Get overseas visitors health cover
in minutes



Our experts can help make your journey into Australia as easy as possible by
helping you get overseas visitors health cover before you’ve arrived.

We can even help you receive your certificate of insurance online and our OVHC
policies meet visa condition 8501.



GET A QUOTE CALL 1300 757 819


How our experts have
helped Australians like you

Excellent
Based on 2717 reviews on

Showing our 4 & 5 star reviews

 * by Pamela
   
   6 hours ago
   
   I thought the information I got was…
   
   I thought the information I got was well covered in relation to comparing my
   needs and not paying for un necessary procedures, everything was explained in
   a professional manner that I understood

 * by PamelaAmelia
   
   6 hours ago
   
   experience with the consultant he gave…
   
   experience with the consultant he gave clear results and recommendations
   accordingly. By relaying my points to the consultant this allowed him to
   aligh his expertise & strategies for my needs The consultant was very
   friendly while helping.

 * by Marion
   
   6 hours ago
   
   the best thing i have done in a long time
   
   just needed a change thought i would give it a go

 * by Luigi
   
   10 hours ago
   
   Compare Before Choosing Health Insurance
   
   Becca Young was able to give me some good advice about an alternative health
   insurance. The newly recommended insurance offers more than my existing one
   at a better cost, with a saving of about $40 per month. The comparison
   between my old health insurance policy and the recommended one was clearly
   explained convincing me to change from Medibank Private to NIB.

 * by Alice B
   
   21 hours ago
   
   Easy, quick, helpful and great customer service and interaction.
   
   Very helpful and professional in tailoring a package to suit our needs and
   budget.

 * by Vincenza Scaffidi
   
   a day ago
   
   Great Service
   
   Great customer service; patiently went through each section with me,
   explained everything well, he was very cordial.

 * by Anthony
   
   a day ago
   
   Staff had good knowledge of product…
   
   Staff had good knowledge of product and did not give me a hard sell to sign
   up

 * by ANDREW GILES
   
   a day ago
   
   Fantastic service / great customer…
   
   Fantastic service / great customer support & calls made to me to follow up to
   ensure that I was happy with everything Thank you Yianni & the team !!
   Regards Mara

 * by Sarah
   
   a day ago
   
   I don’t normally follow up on these…
   
   I don’t normally follow up on these comparison websites but the service I got
   was exemplary. No pressure, listened to my needs, great explanations and I
   didn’t have to do anything or lose waiting periods by changing to a different
   provider. No cost to me either. I was very impressed.

 * by Gerard Golbach
   
   a day ago
   
   a great deal which suited us…
   
   Got a great deal which suited us perfectly. Professional and courteous. Very
   helpful

 * by Peter Saba
   
   a day ago
   
   Easy and quick.
   
   Professional and courteous, great advice on all comparable policies. Time
   saving. Perfect.

 * by Kathleen
   
   a day ago
   
   friendly and efficient
   
   It was friendly, and not too pushy. I wanted some time to consult dentist etc
   and that was fine. the result was very satisfactory and the process was made
   easier by your facilitation.

 * by Timms Tribe
   
   4 days ago
   
   Regular follow up but not pushy
   
   Regular follow up but not pushy Short tracked the mountain of information by
   providing best 3 after listening to my requirements Helpful informative knew
   the products

 * by Meredith Bradley
   
   5 days ago
   
   Health insurance made easy
   
   Great customer service and knowledgeable professional yet personable
   consultant.

 * by Andrew
   
   6 days ago
   
   Never too old to learn something new
   
   At 73 and a pensioner, being cost conscious is important. I compare all
   insurance and utility charges annually and whenever an increase occurs.
   Previous comparison checks for Health Insurance showed no significant benefit
   in changing. The Compare Club site, which I had not used previously,
   highlighted that this time there was a significant saving. I had just told my
   wife this when my mobile rang. It was a Compare Club representative. After a
   comprehensive review of our requirements we had identical cover with a well
   known company for just under $50.00 a month, a saving of $600.00 a year. The
   changeover, update of payment details and all other issues were handled by
   the Compare Club. Job well done and I learned my lesson.
   
   Read more

 * by Kajen M
   
   6 days ago
   
   Honesty
   
   Offered a number of options, to make it affordable. Importance of having
   health care. Answered my questions.

 * by Dave
   
   11 days ago
   
   Health Insurance market update.
   
   I dealt with Anita initially & then Rebecca. I also received a follow up call
   today but I cant recall the gentlemans name. All were extremely helpful,
   professional & knowledgable. Top marks to Rebecca for helping me achieve a
   best outcome health insurance result. Your organisation & staff are indeed a
   pleasure to deal with. Well done!!

 * by Misi
   
   13 days ago
   
   The refunds are much higher than AHM
   
   The refunds are much higher than AHM. The only concern that I have is the
   amount of funds for each category for this policy had been reduced. Which
   means if I move to a new fund, and they increase the amount of funds for each
   category I will have to serve 12 months waiting period, even for
   major/complex services. To me this is an area it needs a royal commission
   review. The increased cost of medical procedures is consistent with cpi and
   health insurance should adjust their funds accordingly. However, (and this is
   where the problems is), once they adjusted their funds the people who own
   those policies become the victim, as they will have to serve 12 months
   waiting period for any major/complex services they need.
   
   Read more

 * by Annabel
   
   13 days ago
   
   Combined Health Cover Savings: The fact that John was able to save me…
   
   The fact that John was able to save me $860 a year on combined hospital and
   extras cover was the great thing. He didn’t come across as trying to sell me
   an insurance cover. John spent quite some time in ascertaining what our
   personal requirements were as a couple in their mid 60’s. As a result, I had
   full confidence in his suggestions and we came up with a plan that really
   suits our needs.

 * by arthur talbot
   
   14 days ago
   
   Compare the market representative was excellent
   
   The young lady ( Brooklyn ) was so helpful in explaining the advantages of
   our new health fund ( Bupa ) against our current health fund and at a reduced
   monthly plan. Very happy with our conversation. Arthur Talbot

Save on your health cover in just
minutes as some premiums are set
to increase.

Over the last five years our experts have saved Australians an average of
$320 when they've compared and switched health cover through us. Save
on your health premiums with our experts today. Find out more.

COMPARE HEALTH INSURANCE

See how you can save while many health premiums spike

Use our premium increase calculator.

CALCULATOR

Chris Stanley is the sales & operations manager of health insurance at Compare
Club. With extensive experience and expertise, Chris is a trusted leader known
for his deep understanding of health insurance markets, policies, and coverage
options. As the sales & operations manager of health insurance, Chris leads a
team of dedicated professionals committed to helping individuals and families
make informed decisions about their health insurance needs.

Chris Stanley

 -  Sales & Operations Manager for Health Insurance


LEARN MORE ABOUT HEALTH INSURANCE

Dental Extras

Dental extras cover helps pay for costs associated with dental care, from
routine check-ups to complex procedures. With this, you can smile wider knowing
your teeth are covered.

Optical Extras

Optical extras provide financial help for eye-related health care such as
glasses, contact lenses, and eye tests. See life in a clearer light, and keep
your eyes healthy with optical extras.

Medicare Levy Surcharge (MLS)

The Medicare Levy Surcharge is a tax for Australians who don't have private
health insurance but earn above a certain income. Avoid the surcharge, and
benefit from private care by exploring health insurance options.

Overseas Visitors Cover

This cover ensures visitors to Australia receive necessary medical treatment
during their stay. If you're travelling to the land Down Under, consider getting
overseas visitors cover for peace of mind.

Couples Health Insurance

A plan designed to cover both you and your partner's health needs. Simplify your
policy management, potentially save costs, and ensure you both receive the care
you need with couples health insurance.

Waiting Periods

These are set timeframes you must wait before claiming benefits after starting a
new insurance policy or upgrading your current one. Understanding waiting
periods helps avoid surprises when it comes time to use your insurance.

Switching Health Insurance

Changing your health insurer could help you find a better fit for your needs or
reduce your premiums. If you're contemplating a switch, get informed to make
sure the change works in your favour.

Ambulance Cover

Ambulance cover takes care of costs related to emergency ambulance services.
Without it, these costs can be hefty - secure this cover and ensure swift
medical response when you need it most.

Family Cover

Family health insurance plans provide medical coverage for your entire family
under one policy. It's designed to protect those you love most, ensuring your
family's health needs are covered without needing separate plans for each
member.


A GLOSSARY OF HEALTH INSURANCE TERMS

--------------------------------------------------------------------------------

Health insurance can be complicated. Below are some of the key terms you may see
when comparing health insurance
A-F

Ambulance Cover: Ambulance cover refers to the insurance coverage for emergency
ambulance services. In Australia, ambulance services are generally not covered
by Medicare (the public healthcare system) and can result in significant
out-of-pocket expenses. Having ambulance cover through private health insurance
helps protect individuals from the high costs associated with emergency
ambulance transport.

It's important to note that ambulance cover requirements and regulations vary
between Australian states and territories. Some states provide free or
subsidized ambulance services to their residents, while others require
individuals to have their own ambulance cover. It's crucial to check the
specific requirements and regulations in your state or territory and ensure that
you have adequate ambulance cover in place to avoid potential financial burden
during emergency situations.

Extras Cover: Additional health insurance coverage that provides benefits for
services not typically covered by Medicare, such as dental care, optical
services, physiotherapy, and chiropractic treatments. Here are some examples of
extras that are commonly covered under private health insurance policies in
Australia:

 * Dental Extras: Coverage for routine dental treatments, such as check-ups,
   teeth cleanings, fillings, extractions, and major dental procedures like
   crowns, bridges, and dentures.
 * Optical Extras: Coverage for optical services and products, including eye
   examinations, prescription glasses, contact lenses, and prescription
   sunglasses.
 * Physiotherapy: Coverage for physiotherapy sessions, which involve
   rehabilitative exercises, manual therapy, and other treatments for
   musculoskeletal conditions and injuries.
 * Chiropractic Services: Coverage for chiropractic treatments, which focus on
   diagnosing and treating musculoskeletal disorders, particularly related to
   the spine.
 * Remedial Massage: Coverage for therapeutic massage treatments aimed at
   relieving muscle tension, improving circulation, and reducing pain and
   discomfort.
 * Occupational Therapy: Coverage for occupational therapy services, which help
   individuals improve their ability to perform daily activities and tasks
   related to work, rehabilitation, or disability management.
 * Psychology/Counselling: Coverage for psychology or counselling sessions to
   address mental health concerns, such as anxiety, depression, and stress
   management.
 * Naturopathy/Homeopathy: Coverage for consultations and treatments provided by
   naturopaths or homeopaths, who use natural remedies and therapies to support
   overall health and well-being.
 * Podiatry: Coverage for podiatry services, including assessments, treatments,
   and care for foot-related conditions, such as foot pain, injuries, and
   diabetic foot care.
 * Hearing Aids: Coverage for hearing aids and related services, including
   assessments, fittings, and ongoing support for individuals with hearing
   impairments.



G-L

Gap Cover: An arrangement where private health insurers may provide additional
benefits to cover or reduce the out-of-pocket expenses (known as the "gap")
incurred by policyholders for in-hospital medical services not fully covered by
Medicare.

General Dental: General Dental refers to routine dental treatments and
preventive care aimed at maintaining oral health. These can include services
such as check-ups, teeth cleanings, X-rays, fillings, and basic extractions.
General Dental coverage is a common component of extras cover provided by
private health insurance policies in Australia. It helps individuals offset the
costs of routine dental visits and basic treatments. The level of coverage for
General Dental can vary depending on the insurance policy and the specific
extras cover chosen by the individual.

Hospital Cover Tiers: Hospital cover in Australia is categorized into tiers,
which represent different levels of coverage and benefits. These tiers were
introduced to simplify and standardize private health insurance policies. The
tiers are as follows:

 1. a) Gold: Gold is the highest level of hospital cover and provides the widest
    range of coverage for hospital treatments. It typically includes coverage
    for all clinical categories and treatments in both public and private
    hospitals.
 2. b) Silver: Silver tier hospital cover offers a comprehensive level of
    coverage, including a wide range of treatments across different clinical
    categories. However, it may have some exclusions or restrictions compared to
    Gold tier cover.
 3. c) Bronze: Bronze tier hospital cover provides a medium level of coverage
    for common treatments and clinical categories. It generally excludes or has
    limited coverage for higher-cost or specialized treatments.
 4. d) Basic: Basic tier hospital cover offers a limited level of coverage and
    typically covers a narrower range of treatments. It is designed to provide
    essential coverage for key clinical categories, but may have exclusions or
    restrictions for certain treatments.

Hospital Cover: Hospital cover refers to the component of private health
insurance that provides coverage for hospital treatments and services. Hospital
cover allows individuals to have greater control over their healthcare options
by providing access to private hospitals, choice of doctor, shorter waiting
times, and accommodation in a private room (depending on the level of cover).
Hospital cover typically includes benefits for in-hospital medical procedures,
surgeries, accommodation, and related services, such as anesthesia and operating
theatre fees.

Lifetime Health Cover (LHC): A loading or penalty applied to the premium of
private health insurance policies if an individual takes out cover after the age
of 30. It incentivizes individuals to maintain continuous private health
insurance coverage.

M-W

Major Dental: Major Dental refers to a category of dental treatments that
typically involve more extensive procedures and higher costs. These can include
treatments such as crowns, bridges, dentures, orthodontics (braces), and oral
surgery. Major Dental coverage is a type of extras cover offered by private
health insurance policies in Australia. It provides benefits or a percentage of
the cost for major dental treatments, helping individuals manage the financial
burden associated with these procedures. The specific coverage and limits for
Major Dental can vary depending on the insurance policy and level of extras
cover chosen by the individual.

Medicare Levy Surcharge (MLS): An additional tax imposed on high-income earners
who do not have private health insurance and earn above a certain threshold. It
encourages individuals to take out private health insurance and reduce the
burden on the public healthcare system.

Medicare: Australia's publicly funded healthcare system that provides basic
medical services and subsidized treatments to Australian residents.

Network: A group of doctors, hospitals, and other healthcare providers that have
contracted with an insurance company to provide services

No-Gap: No-Gap refers to a situation where a policyholder does not have to pay
any out-of-pocket expenses or the "gap" for certain medical services or
treatments. It typically applies to in-hospital services where the medical
practitioner agrees to charge only the Medicare benefit and the health insurance
covers the remaining cost, eliminating or reducing the gap amount that the
policyholder would need to pay. No-Gap arrangements can help individuals
minimize their expenses for specific procedures or treatments.

Orthodontics: Orthodontics is a branch of dentistry that focuses on correcting
misaligned teeth and jaw irregularities. It involves the use of braces,
retainers, aligners, and other dental appliances to straighten teeth and improve
bite alignment. Orthodontic treatment is typically considered a major dental
procedure. Private health insurance policies in Australia may offer coverage for
orthodontic treatment under extras cover, specifically under the Major Dental
category. It's important to review the specific policy details and waiting
periods associated with orthodontic coverage, as there may be limitations and
conditions for reimbursement.

OSHC (Overseas Student Health Cover): OSHC is a specific type of health
insurance designed for international students studying in Australia. It is a
requirement for most student visa subclasses to ensure that students have access
to necessary healthcare services during their studies in Australia.

OSHC provides coverage for essential medical treatments, hospital stays,
prescription medications, and emergency services. It helps international
students manage the costs associated with healthcare while studying in Australia
and ensures they have access to necessary medical care.

Out-of-Pocket Expenses: Out-of-pocket expenses refer to the costs that
individuals are responsible for paying directly when receiving healthcare
services, even if they have health insurance coverage. These expenses can
include deductibles, co-payments, and coinsurance, as well as any costs not
covered by insurance. Out-of-pocket expenses can vary depending on the type of
service, the insurance plan, and any applicable limits or exclusions.

OVHC (Overseas Visitor Health Cover): OVHC refers to health insurance
specifically designed for visitors to Australia, including temporary residents,
such as international students, working holiday visa holders, and temporary
skilled workers. OVHC is a requirement for most visa subclasses to ensure that
visitors have access to necessary healthcare services while in Australia.

OVHC provides coverage for essential medical treatments, hospital stays, and
emergency services during the visitor's stay in Australia. It helps protect
visitors from the high costs of medical care and ensures they have access to
necessary healthcare services during their time in the country.

PBS (Pharmaceutical Benefits Scheme): The Pharmaceutical Benefits Scheme is a
program by the Australian Government that subsidizes the cost of a wide range of
prescription medications, making them more affordable for Australian residents.
Under the PBS, eligible individuals pay a reduced price (known as the patient
co-payment) for prescribed medications, while the government covers the
remaining cost. The PBS ensures access to essential medications at affordable
prices for the Australian population.

Pre-existing Condition: A medical condition that existed before an individual
took out health insurance. Waiting periods may apply before coverage is provided
for treatment related to pre-existing conditions.

Preferred Provider: Healthcare providers, such as doctors or specialists, who
have an agreement with an insurance company to provide services at agreed-upon
fees. Policyholders may receive higher benefits or reduced out-of-pocket
expenses when using preferred providers.

Premium: The amount of money paid to the insurance company at regular intervals
(monthly, quarterly, annually) to maintain health insurance coverage.

Private Health Insurance Rebate: A government subsidy provided to eligible
individuals to help offset the cost of private health insurance premiums. The
rebate amount is based on income and age.

Waiting Period: The specified period an individual must wait after taking out
private health insurance before they can claim benefits for certain treatments
or services. Waiting periods vary depending on the treatment or service.


HEALTH INSURANCE FAQS

--------------------------------------------------------------------------------

Common questions about comparing health insurance. Here are some of the most
frequently asked questions we receive about health insurance:
How much tax do you save with private health insurance?

Having appropriate private health insurance from an early age means you can
avoid the Medicare Levy Surcharge (MLS), avoid Lifetime Health Cover loading and
likely get the Australian government health insurance rebate.

The private health insurance rebate is money the government contributes towards
paying your private health insurance premiums. Your age and income determine the
exact rebate you get.

You can claim the rebate through your health fund or apply it when you lodge
your yearly tax return. Learn more about how the private health insurance rebate
works in Australia.

If you earn over $93,000 as an individual or $186,000 as a family, you need to
take out private health insurance to avoid being hit by the Medicare Levy
Surcharge. This can be up to 1.5% of your income, depending on how much you
earn.

Lifetime health cover loading, meanwhile, affects people who do not take out
private hospital insurance before they are 31. If you decide to take our cover
at a later age, you will pay a loading fee.

This is 2% for each year you did not hold cover from the 1st of July following
your 31st birthday. So, if you are 35 when you decide to take out private health
cover, you will pay a 10% loading fee. LHC is capped at 70%.

How much does private health insurance cost in Australia?

How much you pay for private health insurance depends on what level of cover you
want and which provider you choose. On average, health insurance policies cost
between $2000 to $3000 per year depending on whether you have hospital cover,
extras cover, or a mixture of hospital and extras cover (combined policy).

How do I choose the best health insurance plan

Identify which funds have the features you want, and shop around for value. It
sounds simple, but health insurance can be confusing. Start by reading our guide
on how to compare and select the right policy. It is worth taking time to note
down what health services you and your partner or family need today and in the
future. Doing this will make it easier to decide what level of hospital cover
you need; Gold, Silver, Bronze or Basic. Look for the health fund package that
includes everything you need without including many items you will likely never
use.

You should have a clear idea of what kind of policy you are looking for. Factors
to consider include:

 * Whether you want Hospital cover Extras cover or Ambulance cover, or a
   combination of these cover types
 * How much you can afford to and are willing to pay each month for your health
   insurance
 * What sort of medical treatments and services you want cover for
 * Who you want to cover. Are you interested in a single, family or couples
   policy
 * What level of cover you think you'll require (e.g. do you just want the
   basics covered, or are you after a comprehensive gold-tiered health insurance
   policy?)
 * Any health concerns you want a policy to specifically cater to
 * What is important to you in a health fund (e.g. is it reputation? Customer
   service? Percentage of claims paid out?)
 * Identify which funds have the features you want, and shop around for value.
   It sounds simple, but health insurance can be confusing. Start by reading our
   guide on how to compare and select the right policy.
 * It is worth taking time to note down what health services you and your
   partner or family need today and in the future.

Doing this will make it easier to decide what level of hospital cover you need;
Gold, Silver, Bronze or Basic. Look for the health fund package that includes
everything you need without including many items you will likely never use. Then
go through the same exercise for your extras. Do you wear glasses? How much are
you currently paying for a dental check-up? Are you likely to need physio in the
future? There are other things to consider when choosing a health fund. How long
will you have to wait before you can access treatment? What rebates can I get?
Are there any limits to what I can claim on my extras? Will I get hit by gap
fees?

As you can tell, trying to compare health insurance can be a time consuming and
confusing process. That is why our specialists can compare policies from our
panel of insurers in a matter of minutes and quickly help you find the cover you
need at a price you can afford. If you’re looking for a quick and easy health
insurance comparison, Compare Club has you covered.

Is Medicare enough for me?

Medicare covers quite a lot of health care costs but there are also a lot of
health related expenses that Medicare won’t cover. You can either pay for these
out of your own pocket, or take out private health cover to assist you with
these costs.

Medicare doesn’t cover dental health:
Dental care is one of the largest expenses not covered by Medicare. The average
cost of dental care in Australia was $432 per household member in 2021*. A
family with a couple of adults and a couple of kids can really see these
expenses skyrocket, particularly if any family member needs orthodontics or
major dental surgery. Those costs will rise well above the average! That’s why
private health cover makes sense for most families*.

*https://www.aihw.gov.au/reports/dental-oral-health/oral-health-and-dental-care-in-australia/contents/costs.

The other limitation Medicare has is public hospital waiting times. Should you
need surgery that isn’t deemed an emergency, such as some joint replacement
procedures, current waiting periods average at least 40 days in around half of
public hospital cases (in 2022) stretching to a year for some orthopaedic
sugereies at some public hospitals. That’s a long time to wait if you’re in
pain, or need to return to work, or even if you have to factor in a recovery
period. Most of us can’t afford to wait 40-plus days for a procedure and take
several more weeks to recover. Appropriate private health cover allows you to
elect to have the procedure in a private hosital and organise it around your
schedule.

What is Ambulance Cover?

Ambulance trips are one type of emergency care that isn’t covered under
Medicare. Some states have free ambulance trips for residents of their state
only, but others do not. Residents from those states that do not have free
ambulance services receive a bill for their emergency care trip. Ambulance cover
is a type of private health cover that helps you avoid being stuck with an
expensive bill after receiving emergency medical aid, and it’s included in many
hospital cover policies.
You can read our ambulance cover guide here.

Can seniors get health insurance?

Seniors can get health insurance in Australia. In fact, private health insurance
is community rated, which means that everyone pays the same price for a
particular policy, regardless of their age or health status. Some older
customers may be affected by LHC if they haven't held hospital cover
continuously since 31 or for 10 years (read more here).

A health insurer can't refuse to insure you or sell you the policy you want to
buy, and you are guaranteed the right to renew your policy

If you have pre-existing conditions, you may not get immediate cover for what
you want and will have to serve a waiting period before you can claim. If you
are switching your health insurance policy to one with an equal or lesser level
of cover, you will not need to re-serve waiting periods.

All your health insurance questions answered
with our in-depth guides

Health insurance for families

Got kids or thinking about having a baby? Here's everything you need to know
about covering your family.

Health insurance for seniors

Older Australians often have high premiums. Here's how seniors can get a good
deal on their health cover.

Health insurance for singles

Just looking for health cover for one? Here's how both first-timers and loyal
customers can get value for money.

Load More

Things you should know



As our customer you'll be provided with quotes directly from the insurer for the
product you intend to purchase. We manage the application and deal with the
administration work and insurer. We do not charge you a fee for the service we
provide, the insurer simply remunerates us in return for setting up your policy.

The financial and insurance products compared on this website do not necessarily
compare all features that may be relevant to you. Comparisons are made on the
basis of price only and different products may have different features and
different levels of coverage. Compare Club does not compare all policies
available in Australia and our partner insurers may not make all policies
available to Compare Club.



 * Health Insurance |
 * Life Insurance |
 * Electricity & Gas |
 * Home Loans |
 * Car Loans |
 * Car Insurance |
 * Personal Loans |
 * Credit Cards

 * Privacy Policy |
 * Terms of Use |
 * About Us |
 * Media |
 * Contact Us |
 * Partnerships |
 * Careers Now Hiring |
 * Work in Aus

 * 
 * 
 * 
 * 
 * 
 * 

--------------------------------------------------------------------------------

Compare Club Australia Pty Ltd (CCA) is a corporate authorised representative
(AFS Representative number 001279036) of Alternative Media Pty Ltd (AFS License
number 486326). CCA is a credit rep (Credit Representative Number 519886) of
Alternative Media Pty Ltd (ACL Number 486326). Compare Club is a signatory to
the Private Health Insurance Intermediaries Code of Conduct. Compare Club
compares selected products from a panel of trusted insurers. We do not compare
all products in the market. Before using our website, you must review our Terms
of Use, the Privacy Policy.

© 2023 Compare Club.



1

Discover more ways to save money

Check out these exclusive perks for Club+ members. Sign-up for free to get
access now.