The 60 second health cover check
Could You Get More for Less From Your Health Cover?
Answer a few quick questions to see whether Health Deal could help you save on premiums, improve your benefits, or find a better balance.
- 9 participating health funds
- Expert help by phone
- No obligation to switch
Health Deal compares policies from a panel of participating health funds.
Compare suitable options from 9 participating health funds
Health Deal compares policies from participating funds, not every health fund or policy available in Australia.
Private health insurance comparison
Compare health insurance with expert help
Health insurance can be difficult to compare on price alone. Hospital categories, excesses, extras limits, waiting periods and provider arrangements can all affect value. Health Deal helps Australians review suitable private health insurance options from our panel, then explains the differences by phone.
Review what you pay
Check whether there may be a more suitable balance between your premium, excess and benefits. Savings are not guaranteed and depend on your circumstances.
Review what you receive
Compare relevant hospital and extras features instead of choosing health cover on premium alone.
Speak with a specialist
Get human assistance to understand suitable options from participating Australian health funds.
Health insurance comparison Australia
A clearer way to review private health cover
Tell us who needs cover, what matters to you and where you live. A Health Deal specialist can then discuss suitable policies from our panel and help you compare the details relevant to your needs.
Hospital, extras and combined cover
Compare the type of health insurance you actually need
The right starting point depends on whether you want hospital cover, extras cover or both. Our guided cover check collects your priorities before a specialist calls.
Hospital cover
Private hospital insurance can contribute towards treatment as a private patient, subject to the policy’s included clinical categories, restrictions, waiting periods and excess.
- Review cover tiers
- Compare excess options
- Check important inclusions
Extras cover
Extras insurance can pay benefits towards selected out of hospital services. Limits, benefit percentages and recognised providers differ between policies.
- Dental and optical
- Physiotherapy and chiropractic
- Annual and service limits
Hospital and extras
Combined health cover brings hospital and extras into one membership. The strongest value may come from balancing both components around what you are likely to use.
- One combined review
- Balance premium and benefits
- Compare suitable panel options
Best health insurance Australia
The “best” health insurance depends on what matters to you
There is no single health insurance policy that is best for every Australian. A lower premium may involve a higher excess or fewer benefits, while broader cover may cost more. A useful comparison should consider price, relevant benefits, likely usage and the trade-offs you are comfortable making.
Start with three questions
- Do you want to reduce premiums, improve benefits or review both?
- Which hospital and extras services matter most?
- What excess, limits and provider arrangements suit you?
Health Deal does not provide personal financial advice. Information is general and policy terms should be reviewed before making a decision.
Seniors health insurance and health insurance over 50
Review health cover as your needs change
For Australians over 50 and seniors, value may depend on keeping services that matter while avoiding unnecessary extras or unsuitable hospital settings. Our cover check lets you identify your priorities before speaking with a specialist.
Start my cover check
How Health Deal works
From health cover check to comparison call
Tell us what matters
Complete the guided health cover check with your membership, current cover and benefit priorities.
Speak with Health Deal
A specialist calls to understand your needs and discuss suitable options from participating health funds.
Understand the differences
Review the relevant premiums, benefits, excesses, limits and policy terms before deciding whether to switch.
Private health insurance questions
Health insurance comparison FAQs
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.
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 services important to you.
Is the Health Deal comparison free?
There is no charge to request a comparison through Health Deal. Health Deal may receive a commission from a participating health fund if you purchase a policy. See Health Deal’s website terms and information about how we are paid for details.
Ready to review your health cover?
Complete the 60 second cover check or call Health Deal on 1300 369 399.