Compare Health Insurance Online
Savings at Your Fingertips
Compare multiple health funds all in one place. With our revolutionary comparison tool, you can compare, review, and switch health insurance in just minutes. Start saving today!
We’ll Find the Right Health Insurance for You
At Health Deal, we make comparing health insurance easy, ensuring you find a policy that fits your needs perfectly. Our free service helps you save money by ensuring you only pay for the coverage you need. How much can you save?
Your Results
Find out if switching health funds is worth it with this quick calculator.
Experience the Health Deal Difference
We’ll Find the Right Health Insurance
for You
Find The Right Health
Fund For You
We compare policies, offering you a wide range of options.
Free, No-Obligation Service
Our service is completely free, and if we can't find you a better deal, we'll advise you to stay with your current fund.
Member of PHIIA
Proud member of the Private Health Insurance Intermediaries Association, adhering to the highest industry standards.
No Waiting Periods on Switch
Switch without re-serving waiting periods you've already served, even for pre-existing conditions.
Rated 4.8/5 on TrustPilot
Join thousands of satisfied Australians who've trusted us to find their ideal health insurance.
Expert Advisors
Our friendly team live and breathes private health insurance and are on hand to help you any time.
We Handle the Paperwork
We assist with all the paperwork to make your switch seamless and hassle-free.
Dedicated Quality Assurance Team
We quality check 100% of sales calls to ensure you receive accurate and reliable advice.
Find The Right Health
Fund For You
We compare policies, offering you a wide range of options.
Free, No-Obligation Service
Our service is completely free, and if we can't find you a better deal, we'll advise you to stay with your current fund.
Member of PHIIA
Proud member of the Private Health Insurance Intermediaries Association, adhering to the highest industry standards.
No Waiting Periods
on Switch
Switch without re-serving waiting periods for existing coverage, even for pre-existing conditions.
Rated 4.8/5 on
TrustPilot
Join thousands of satisfied Australians who've trusted us to find their ideal health insurance.
Expert Advisors
Our friendly team live and breathes private health insurance and are on hand to help you any time.
We Handle the Paperwork
We assist with all the paperwork to make your switch seamless and hassle-free.
Dedicated Quality
Assurance Team
We listen to 100% of sales calls to ensure you receive accurate and reliable advice.
Ready to Save on Your Health Insurance?
insurance quotes today.
Find the Right Health Cover for Your Life Stage
Choosing the appropriate health insurance is crucial at every stage of life. At Health Deal, we help you compare health insurance policies tailored to your current needs, ensuring you get value on the right coverage.
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For singles
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For Couples
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For Families
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For Seniors
Focus on Essentials:
Coverage for common procedures and access to extras like dental and optical.
Active Lifestyle Support:
Policies that include physiotherapy and chiropractic services.
Affordable Options:
Competitive premiums across multiple health funds.
Why Should You Compare Health Insurance?
Switching health insurers can lead to significant savings and better coverage, yet only about 6% of insured Australians make the switch each year. A past report from the Australian Competition and Consumer Commission found that while nearly half (48%) of consumers considered changing their insurer, only 14% followed through. Why the hesitation? Health insurance can be complex, and many people assume that switching is too difficult—so they put it in the "too hard" basket.
Regularly reviewing and comparing your health insurance ensures you're getting the best value for your needs. Whether it’s lower premiums, better coverage, or fewer out-of-pocket expenses, taking the time to compare can make a big difference.
Australians who switch health insurance policies save an average of $320 per year on premiums*.
By comparing policies, you ensure that you’re not paying for services you don’t need, such as pregnancy cover when it’s no longer relevant to you. This approach allows you to avoid unnecessary costs and keep your health insurance expenses focused on what truly matters.
As your life stage changes, so do your health requirements, and the health insurance market is continually evolving with new policies and benefits. Comparing policies regularly helps you stay informed of these updates and ensures you’re taking advantage of the latest offerings that might better suit your needs. Health funds frequently introduce new products and incentives, making it worthwhile to explore fresh options.
If your income exceeds $93,000 as a single or $186,000 as a family, you may be subject to the Medicare Levy Surcharge (MLS)—an extra tax of up to 1.5% of your income if you don’t have an eligible private hospital cover.
By maintaining private hospital insurance, you can avoid this surcharge and potentially save thousands in extra taxes each year. In many cases, the cost of a suitable policy can be lower than the tax penalty, making it a financially smart decision.
If you don’t have hospital cover by 1 July following your 31st birthday, you will start accruing Lifetime Health Cover Loading, which adds 2% to your premium for every year you delay taking out cover. This loading caps at 70% and remains on your policy for 10 continuous years before being removed.
Example: How Much Extra Will You Pay?
If you don’t take out hospital cover until age 40, you will have accumulated 20% loading (2% × 10 years).
- If your hospital policy costs $2,000 per year, you will pay an extra $400 per year due to LHC loading.
- Since the loading applies for 10 years, this adds up to $4,000 in additional costs.
By taking out hospital cover before turning 31, you can avoid these extra charges, lock in lower premiums, and enjoy long-term savings.
Switching health insurance policies can give you access to better benefits and greater flexibility. You may be able to enjoy higher rebates on extras like dental, physiotherapy, and optical services, as well as improved out-of-hospital services such as rehabilitation, chemotherapy at home, and telehealth consultations.
At Health Deal, we help you find a policy that aligns with your current life stage—whether you’re single, part of a couple, raising a family, or a senior—so your coverage evolves with your needs.
The right health insurance gives you confidence and security, knowing you’re covered for unexpected health issues. With Health Deal’s expert support, you can fully understand your policy, avoid unexpected costs, and ensure you have the right level of protection when you need it most.
Current Market Trends Highlight
Why Compare Health Insurance?
At Home Care:
Hospital care from the comfort of your home is now offered by several health funds. This may include: rehab, chemo, and dialysis at home.
Growing Health Awareness:
More Australians are prioritising health due to recent global events, leading to new and improved health insurance products.
Digital Health Services:
Many health funds now offer telehealth services and online resources as part of their cover.
Preventative Care Focus:
Policies increasingly include benefits for preventative measures like health screenings and wellness programs.
Taking The Stress Out of Finding Great
Health Insurance Deals
We believe that comparing health insurance should be straightforward and stress-free. Here's how we simplify the process for you:
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1 Tell Us About You
Begin with a quick consultation by calling us at 1300 369 399 or filling out our easy online form. Our friendly, Australian-based advisors are dedicated to understanding your unique circumstances—whether you're single, a couple, a family, or a senior. We take a personalised approach, ensuring that your health insurance needs are carefully considered.
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2 We Compare Policies
Next, we conduct an extensive health insurance comparison, including both for-profit and not-for-profit providers. Our advisors offer unbiased advice, aiming to find you the most suitable health insurance from our panel of health funds that aligns with your specific needs and budget.
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3 Review Your Tailored Options
After gathering and comparing your options, we present the top policies in plain language, clearly highlighting the benefits and any potential gaps. There’s no pressure—take your time to review the options and make an informed decision. We’re here to answer any questions you may have along the way.
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4 Seamless Switching Process
Once you’re ready, we handle all the paperwork to ensure a smooth switch to your new policy. You won’t have to re-serve waiting periods for equivalent coverages, including pre-existing conditions, making the transition hassle-free and efficient.
Begin with a quick consultation by calling us at 1300 369 399 or filling out our easy online form. Our friendly, Australian-based advisors are dedicated to understanding your unique circumstances—whether you're single, a couple, a family, or a senior. We take a personalised approach, ensuring that your health insurance needs are carefully considered.
We’ll find you the right policy. Get a no-obligation comparison today and see how much you could save. We’re here to make the process simple and stress-free, with personalised advice that fits.
Switching is easy, and we handle the details for you—no hidden costs, no re-serving waiting periods, just better cover at a better price. Get in touch with our friendly team.
Not Sure Where
to Start?
Popular Health Insurance Options
Navigating the world of health insurance can be overwhelming, but understanding the different types of cover available can make the decision easier. At Health Deal, we help you compare health insurance options to find the best fit for your needs.
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Hospital Cover
Access Quality Care When You Need It
Covers the cost of treatment as a private patient in a public or private hospital.
Choose your own doctor and enjoy shorter waiting times for elective surgeries.Levels of Hospital Cover:
Basic, Bronze, Silver, and Gold tiers, each offering different levels of coverage.
Key Inclusions:
Services like cardiac surgery, joint replacements, and more, depending on the level selected.
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Save on Everyday Health Services
Get rebates on services not typically covered by Medicare.
Common Extras Include:
- Dental Care: Routine check-ups, fillings, and major dental work.
- Optical: Prescription glasses and contact lenses.
- Physiotherapy and Chiropractic: Support for musculoskeletal health.
- Alternative Therapies: Such as acupuncture and naturopathy.
Flexible Options:
Choose the level of extras cover that matches your usage and budget.
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Combined Cover
The Best of Both Worlds
Combine Hospital and Extras Cover for comprehensive protection.
Simplified Management:
One policy, one premium, and one health fund to deal with.
Customisable Packages:
Tailor your combined cover to include the hospital and extras services most important to you.
Access Quality Care When You Need It
Covers the cost of treatment as a private patient in a public or private hospital.
Choose your own doctor and enjoy shorter waiting times for elective surgeries.
Levels of Hospital Cover:
Basic, Bronze, Silver, and Gold tiers, each offering different levels of coverage.
Key Inclusions:
Services like cardiac surgery, joint replacements, and more, depending on the level selected.
Need Help Choosing the Right Cover?
Health Insurance Resources & Guides
At Health Deal, we believe that knowledge is power. We provide a range of resources to help you make informed decisions when you compare health insurance policies. Explore our latest articles, use our handy calculators, and delve into our educational content to better understand your health insurance options.
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Need Personalised Assistance?
Frequently Asked Questions
It’s simple! Contact us via phone at 1300 369 399 or fill out our online form. Our expert advisors will discuss your health needs and help you compare health insurance policies. We provide you with personalised health insurance quotes so you can choose the right health insurance to suit your needs. Or you can now do the entire process from start to finish without speaking to anyone using our new comparison tool.
Using a private health insurance comparison service allows you to easily compare multiple policies in one place, saving you time and effort. We provide an unbiased health insurance comparison, helping you find great value coverage without the hassle of contacting each insurer individually.
No, when you switch to a policy with equivalent or lower coverage, you won’t have to re-serve waiting periods for benefits you’ve already covered. This includes coverage for pre-existing conditions. Our advisors will guide you through the health insurance compare process to ensure a smooth transition.
Yes, our service is completely free for you. We provide health insurance quotes and comparisons at no cost. We receive a commission from the health funds when you join a new policy through us, which allows us to offer our health insurance comparison service free of charge.
By using our health insurance compare service, you can review policies. We help you analyse the benefits, costs, and coverage options to find the right health insurance tailored to your specific requirements. Health Deal does not represent all health funds in Australia.
In most cases, yes. We can help you find policies that include your preferred doctors and hospitals within their network. This is one of the advantages of using our private health insurance comparison service—we ensure your new policy aligns with your existing healthcare relationships.
Simply contact us via phone or fill out our online inquiry form. Our advisors will gather some basic information about your health needs and provide you with personalised health insurance quotes from various health funds.
If you earn above a certain income threshold ($93,000 for singles and $186,000 for families), not having appropriate private hospital cover may result in the Medicare Levy Surcharge of up to 1.5% of your income. Holding private hospital cover can help you avoid this surcharge. By using our health insurance comparison service, you can find a suitable policy to help reduce your tax liability.
LHC loading is a government initiative that adds a 2% penalty to your hospital premium for every year you are over 30 and don’t have private hospital cover, up to a maximum of 70%. Taking out hospital cover early can help you avoid this additional cost. Our health insurance compare service can help you find the right policy to avoid LHC loading.
Yes, many health funds offer customisable extras policies. During the private health insurance comparison, we can help you select extras cover that matches your health needs and lifestyle, ensuring you get the most value from your policy.
If you’re considering pregnancy, it’s important to have a policy that includes obstetrics services. Note that there is a 12-month waiting period for pregnancy and birth-related services. Using our health insurance compare service, we can help you find the most suitable policy to suit your future family plans.
No, but we do compare policies from a wide range of health funds including both for-profit and not-for-profit organisations. Our extensive health insurance comparison allows you to choose from a variety of options to find the right health insurance in Australia for you.
We take your privacy seriously. All your personal information is handled in accordance with our Privacy Policy and the Australian Privacy Principles. We use your information solely to provide you with health insurance quotes and comparison services. Health Deal is IS027001 and PCI DSS compliant.
Getting started is easy! Contact us at 1300 369 399 or fill out our online form. Our friendly advisors will guide you through the health insurance comparison process, provide you with health insurance quotes, and help you find the right health insurance in Australia for your needs.
Didn't find the answer you were looking for?
Ready to Get Started?
Compare Health Insurance Online
Savings at Your Fingertips
Compare multiple health funds all in one place. With our revolutionary comparison tool, you can compare, review, and switch health insurance in just minutes. Start saving today!
Contact Us
Bentleigh, Victoria, 3204