Health Deal | Compare Private Health Insurance | Multiple Health Funds
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Need to lower your premium, or improve your benefits?

Compare your health cover

Health Deal has a wide range of hospital and extras cover options to suit your needs.

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SELECT WHICH HOSPITAL
SERVICES YOU NEED COVERAGE FOR

SELECT WHICH EXTRAS YOU
NEED COVERAGE FOR

JUST SOME LAST DETAILS


By clicking "Help me compare." you consent to being contacted by a Health Deal agent to discuss private health insurance.

Health Deal is a 100% free service to use and you are in no way obligated to accept any quotes you receive.

Registered address: Level 4, 973 Nepean Highway Bentleigh, VIC 3204

Health Cover Explained

Health Insurance is comprised of two components, hospital cover & extras cover. Hospital cover will cover you for all medically necessary procedures with a Medicare Item Number in a participating private hospital as an in-patient. Hospital cover won't cover you for any procedures without a Medicare Item Number, or for any procedures which are excluded on your plan, so it's best to check that you're covered for the procedures you need. Extras cover is used to claim benefits on services which generally aren't covered under Medicare such as:

  • General Dental
  • Major Dental
  • Physiotherapy
  • Chiropractor
  • Remedial Massage General Dental
  • Podiatry
  • Hearing Aids
  • Yoga / Pilates
  • Ambulance Cover
  • And much more

Each service which you are covered for will have a set yearly limit on how much you're able to claim, for example a policy may limit people spending $300 on physiotherapy each year or $200 on optical. Unfortunately though, just because your yearly limit is $300 on physio, that doesn't mean that you'll get 100% off the physio bill until you hit $300. This is because health funds will pay a certain amount out on each visit, these are known as "rebates".

Why Compare Health Cover?

There are over 36 different health funds in Australia and a myriad of different health cover options. Each health cover policy will have different premiums, different yearly limits, different rebates and will cover different services. This makes it important to compare your health cover on a regular basis to make sure you're still on the right plan. You don't want to be overpaying for a policy, when you can get a lower costing plan with better benefits!

Plus don't forget, when you switch from one health cover to another, you won't re-serve any wait periods for anything you've already served with you existing health fund.

How Health Deal Works

Tell us a little about yourself

Prices may vary depending on
your state, age, income and
level of cover

Find a better plan

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 will try to save you money
and increase your benefits from
your current policy

Enjoy the hassle free switch

Health Deal will handle all the paperwork
for you, meaning you can relax and
enjoy your more tailored policy

Why Health Deal?

Health Deal is a member of PHIIA (Private Health Insurance Intermediaries Association) and a proud signatory of the PHIIA Code of Conduct. Furthermore, unlike some other health cover comparators, we have a dedicated team that listen to 100% of sales calls, to make sure you’ve been given the correct advice when you take out a policy. This has resulted in Health Deal having an exceptionally low complaint percentage and an above industry standard customer satisfaction score from customers surveyed by their new health fund. Our service is completely free, and if we can’t find you a better health insurance policy, we’ll simply tell you to stay put. Find out how we deliver an outstanding customer experience by comparing now.

Remember:

  • 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! Health Deal will assist with all the back of house paperwork for you.

 


 


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Health Cover Buying Guide

Thinking about comparing health cover, but don't know where to start? Here are our top 5 tips for finding a better health insurance plan.

1)
Think about your health cover in 3 year blocks

What do you envisage needing coverage for within that 3 years? Get coverage for the things you think could be a possibility and look to cut away some of things you don’t need. For example, most twenty somethings will not require a joint replacement, just like most people over 45 won’t require pregnancy.

2)
Always start with the intention of lowering your premium, whilst increasing your benefits

Remember, anyone within the industry can save you money whilst slashing your benefits, but can they increase your benefits whilst slashing your premium?

3)
If you’re on the fence about whether to have a procedure or surgery covered or not, it’s always advisable to play it safe and keep it covered

We never recommend taking a surgery off that you think you may need for the sake of saving a couple of dollars. Always think in worse case scenarios, if you take a surgery off your policy, would you be happy to wait 12 months to add it back on if you needed it?

4)
Think about how you actually use your extras
You should really look to improve on the things you actually use on a consistent basis and forget about the rest. For example, if you go to see a podiatrist twice per year and claim back $60, is it worth the extra $200+ you could be paying to have it included on your plan?
5)
Ask your health insurance consultant questions!
The consultants at Health Deal live & breathe health insurance. So if you have any questions about anything health insurance related, make sure you ask them. Remember, the more informed you are about your health cover, the better!

Health Cover FAQ

Here are some of the most commonly asked questions people tend to ask when they compare their health cover. For our full FAQ please click here.

1)
Will I have to re-serve waiting periods if I switch health cover?
Absolutely not. Health Deal simply would not exist if people had to re-serve waiting periods on their hospital cover. Once you have served a given waiting period with a health fund, you will not need to serve this waiting period again if you switch health funds. This even applies to pre-existing conditions. You will only serve waiting periods on procedures which you are upgrading, or if you are new to hospital cover. This is enshrined under federal law in the Private Health Insurance Act 2007.
2)
I have a pre-existing condition, will my new fund cover me?

Anyone with a pre-existing condition is protected by the principle of community rating, which means that health funds legally cannot discriminate against you for having a pre-existing condition, or your age or claims history for that matter. If you are already covered for your pre-existing condition with your current policy, then you’ll be covered from day 1 when you switch. If you are new to private health insurance, or you are upgrading your cover, you will need to serve a 12 month waiting period before you can start claiming for a procedure that relates to a pre-existing condition.

3)
Why should I review my cover through Health Deal?

Health Deal is a member of PHIIA (Private Health Insurance Intermediaries Association) and a proud signatory of the PHIIA Code of Conduct. Furthermore, unlike some other health insurance comparators, we have a dedicated team that listen to 100% of sales calls, to make sure you’ve been given the correct advice when you switch. This has resulted in Health Deal having an exceptionally low complaint percentage and an above industry standard customer satisfaction score from customers surveyed by their new health fund. Our service is completely free, and if we can’t find you a better policy, we’ll simply tell you to stay put. Find out how we deliver an outstanding customer experience by comparing now.

4)
Will the price go up after I switch?

Each year on 1 April there is a private health insurance price rise, when health funds lift premiums. You’ll be sent a letter or an email informing you of what your new premium will be. You can beat the rate rise each year by paying for your health cover yearly in March, thus locking in the previous year’s premium.

5)
How does Health Deal get paid?

Health Deal receives a commission from the health fund you decide to switch to. This will not affect the price you pay. Health Deal is completely free to the customer, and you’ll be charged the same premium amount whether you decide to go through us, or through the health fund directly. This is based on the concept of ‘community rating’ and is enforced by Australian law under the Private Health Insurance Act 2007.