Compare Health Insurance Policies & Save
Simplify your search and save on health insurance—find the right tailored cover by comparing funds with our free, expert advisors, and enjoy peace of mind today. Compare Health Cover NowBased on 9000+ customer switches from Jan 2020 - June 2023*
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.
For Singles
Coverage for common procedures and access to extras like dental and optical.
Policies that include physiotherapy and chiropractic services.
Competitive premiums without unnecessary coverages, helping you save money.
Explore Singles Health Cover
For Couples
Simplify your health insurance by combining coverages under one policy.
Options that include pregnancy and fertility services if you're starting a family.
Enjoy higher limits and shared extras benefits.
View Couples Health Cover Options
For Families
Protect your family with policies that cover hospital and extras services.
Cover for children's health needs, including orthodontics and immunisations.
Policies with no excess for kids and flexible extras to suit your family's needs.
Explore Family Health Cover
For Seniors
Health Insurance Policies focusing on services important in later life, like cardiac and joint replacements.
Get access to preventative screenings and health management programs.
Benefits for optical, hearing aids, and remedial therapies.
View Seniors Health Cover Options
Compare Health Insurance Policies to Switch And Save
Why Health Deal?
Why Compare with us
- You won’t re-serve any waiting periods for anything you’re currently covered for!
- Our service is free, and there will be no exit fees with your current fund!
- Switching is easy, as Health Deal will assist with all the back of house paperwork for you!
How Health Deal Works
Tell us a little bit about yourself
Prices may vary depending on your state, age, income and level of cover
Find a better health insurance policy
Health Deal has multiple health funds to choose from, with brilliant options to fit most people's needs
Save on your health insurance
Health Deal has multiple health funds to choose from, with brilliant options to fit most people's needs
Enjoy the hassle free switch
Health Deal will handle all the paperwork for you, meaning you can relax and enjoy your more tailored policy
Compare Health Insurance Policies to Switch And Save
What you need to know about Health Insurance
4.8/5 via Trust Pilot
Health Deal is rated 4.8/5 via Trust Pilot, Australia’s largest independent reviewers of services. We’re extremely proud of our rating and we are constantly trying to improve it. .
No-Wait Periods
Remember, if you are switching health cover you will not have to re-serve any wait periods for anything you are currently covered for…even if it is a pre-existing condition. This is all dictated by federal law.
44+ Health Funds
Did you know there are over 44 different health funds? There is more choice today then there ever has been within health insurance. This means there are potentially hundreds of policies out there in the market that could be more suitable for you!
183,080 Aussies
On average 183,080 Aussies choose to compare their health insurance through a broker each month. The number of Aussies looking for a better deal each month has been increasing year by year. An astonishing 313,330 people compared their cover through a broker in March 2019.
Reduce Your Tax
Did you know that you can reduce your tax significantly if you hold private hospital cover? The Medicare Levy Surcharge is a tax that all Aussies pay if they earn above a certain threshold and do not hold any private hospital cover. Often you can purchase a policy for less than what you would pay in additional tax.
Lifetime Health Cover Loading
If you do not have private hospital cover by July 1 following your 31st birthday you will be liable to pay a lifetime health cover loading on your hospital policy. This loading is a 2% penalty for every year you are above the age of 30, meaning if you don’t take out hospital cover until you’re 40, you’ll be paying an additional 20% loading penalty on any new plan.
Looking to get a quote?
Compare Health Insurance Policies, Switch & Save
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.
Popular Articles
Stay updated with the most recent news, tips, and insights on health insurance:
Frequently Asked Questions
How does comparing health insurance with Health Deal work?
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.
What is the benefit of using a private health insurance comparison service like Health Deal?
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.
Will switching health insurance affect my waiting periods?
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.
Is your health insurance comparison service really free?
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.
How can I find the right health insurance in Australia for my needs?
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 in Australia tailored to your specific requirements.
Can I keep my current doctor and hospital when I switch policies?
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.
How do I get health insurance quotes through Health Deal?
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.
How can having private health insurance save me money on taxes?
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.
What is the Lifetime Health Cover (LHC) loading?
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.
How often should I review and compare my health insurance policy?
It’s a good idea to compare health insurance policies annually or whenever your life circumstances change (e.g., marriage, having children, ageing). Regularly using a health insurance comparison service like Health Deal ensures your coverage remains suitable and cost-effective.
Can I customise my extras cover when comparing health insurance?
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.
What if I'm planning to start a family?
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.
Do you compare all health funds in Australia?
We 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.
How does Health Deal protect my personal information during the health insurance comparison?
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.
How can I get started with comparing health insurance through Health Deal?
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?
Our friendly advisors are here to help with any other questions you may have about health insurance comparison or switching policies. At Health Deal, we’re dedicated to making the process of comparing and switching health insurance as straightforward as possible.
Bentleigh, Victoria, 3204