Australian owned · 11 years · 9 participating funds
Compare Health Insurance
Aussies who switched with Health Deal saved an average of $380* in their first year
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*Savings are not guaranteed and depend on your circumstances, level of cover and the fund you choose. See how this average is calculated. Health Deal compares policies from a panel of participating health funds, not every fund or policy available in Australia.
Compare suitable options from 9 participating health funds
Health Deal compares policies from participating funds, not every health fund or policy available in Australia.
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Private health insurance comparison
Compare health insurance without the guesswork
Health cover is hard to compare on price alone. Two policies with the same premium can differ on hospital categories, excess, extras limits and recognised providers, so the lowest cost is not always the best value. Health Deal gives you a free health insurance quote comparison across our panel, then a specialist explains the differences by phone — so “best” means best for your circumstances, not the cheapest number on a page.
Hospital cover
Contributes towards treatment as a private patient, subject to the policy’s clinical categories, restrictions, waiting periods and excess.
Extras cover
Pays benefits towards services such as dental, optical, physiotherapy and chiropractic, within annual limits and recognised provider arrangements.
Hospital and extras
Combines both into one membership. The best value often comes from balancing the two around what you are likely to actually use.
What a Health Deal specialist can help you review
- Hospital cover categories, restrictions and exclusions
- Excess and co-payment options
- Extras benefits, annual limits and providers
- Premiums for your state and membership type
- Options for singles, couples, families and seniors
- Waiting periods you have already served
Health Deal compares policies from a panel of participating funds, not every policy or health fund available in Australia. Health Deal does not provide personal financial advice — information is general only and policy terms should be reviewed before you decide.
Seniors, pensioners and over 50s
Review your health cover as your needs change
For seniors, pensioners and Australians over 50, better value usually means keeping the services you actually use and dropping the ones you don’t. Switching does not re-serve waiting periods you have already completed for equivalent cover. Tell us what matters and a specialist will talk you through suitable options from our panel.
Start my free comparisonPrivate health insurance questions
Health insurance comparison FAQs
How much does health insurance cost, and is a quote free?
Premiums vary by state, membership type, level of cover, excess and any rebate or loading that applies to you. There is no charge to request a health insurance quote or comparison through Health Deal. Health Deal may receive a commission from a participating fund if you purchase a policy.
Does Health Deal compare every health fund in Australia?
No. Health Deal compares suitable policies from a panel of participating health funds. We do not compare every policy or every health fund available in Australia, and we make our broker role clear before you make a decision.
Which health funds are on Health Deal’s panel?
Health Deal’s participating panel currently includes Bupa, HCF, Australian Unity, ahm, nib, Peoplecare, HBF, HIF and see u by HBF. Panel arrangements and product availability can change, so the options discussed will depend on what is available when you complete your comparison.
Can I compare health insurance if I already have cover?
Yes. You can review your current premium and benefits against suitable options from our panel. Your existing insurer does not need to be on our panel for you to request a comparison.
Will I definitely save money by switching health insurance?
No. Savings are not guaranteed. A comparison may identify a lower premium, different benefits or a better balance for your needs, but the result depends on your circumstances and the policies available.
Do I have to re-serve waiting periods if I switch?
Generally no. Under Australian rules you can transfer to an equivalent level of cover with another fund without re-serving waiting periods you have already completed. Waiting periods may still apply to any higher or additional benefits you take up.
What should I compare besides the premium?
Consider hospital categories, exclusions and restrictions, excesses, co-payments, waiting periods, extras benefit limits, recognised providers and whether the policy covers the services that matter to you.
Ready to review your health cover?
Start your free comparison or call Health Deal on 1300 369 399.