Free Health Insurance Comparison Service
Is Comparing Health Insurance Worth It?
Absolutely! Health Deal helps Aussies save on average over $230 a year off their annual health insurance premiums! Below is a table of our average yearly savings by age range for this year. (All customers who switched from one provider to another via Health Deal between 4th Jan 2022 – 12th October 2022)
| Age Range | Average Yearly Savings |
| <40 | $ 126.30 |
| 40-49 | $ 176.57 |
| 50-60 | $ 248.64 |
| >60 | $ 251.46 |
| Average | $ 237.07 |
Will I Re-Serve Wait Periods?
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 that you are upgrading, or if you are new to hospital cover.
Are There Any Special Offers?
October 2022 is a brilliant time to compare, we have several amazing offers including:
- Chance to Win 12 Months Free
- 6 Weeks Free Health Cover
- Up To $300 Off the Policy
- Waiving of some extras wait periods for those new to cover!
- Terms and conditions apply to all offers
It's Time For Your Health Insurance Comparison...You Could Win 12 Months Free!*
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 Cover For Seniors
CONDUCT A HEALTH INSURANCE COMPARISON AND YOU COULD WIN 12 MONTHS FREE HEALTH COVER!
Compare your health insurance with Health Deal and you could Win 12 Months Free Health Cover on us!
Every person who compares health insurance and receives either a verbal or electronic quote from our of our trained consultants will go in the draw to Win 12 Months Free Health Cover! Even if you don’t switch with Health Deal, you’ll still be in the draw! Even if you don’t have health insurance, you’ll still go into the draw!
- Offer runs Monday 10th October 2022 – Saturday 30th September 2023.
- Health Deal will pay one years premium up to a max value of $4,999 directly to the health fund of your choice minus the government rebate.
- You do not need to sign up to a health insurance policy via Health Deal to be in the draw, but you must at least receive a quote or a comparison.
- One entry per person.
- Health Deal will use RandomDraws.com.au to draw the prize winner on Wednesday 4th of October 2023.
- Full terms and conditions are available on our website footer.
- Offer excludes residents of ACT.
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.
Why Compare Health Cover
- 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!
Looking to get a quote?
Compare Health Insurance Policies, Switch & Save
More Information Before Your Health Insurance Comparison
Choosing the right health insurance place can seem daunting. The thing you need to remember though is that there’s no such thing as “The best health fund” or “The best health insurance policy”.
Everyone’s needs are different, so what’s right for you might not be right for your neighbour. Compare your health cover today to see what our consultants recommend.
Health Deal does not represent all health funds. We currently have the following health funds on our panel:
- HIF
- Australian Unity
- nib
- Westfund
Depending on your policy there are heaps of things that you can claim such as:
- Knee Replacement Surgery
- Cataract Eye Surgery
- Major Dental Work
- Hearing Aids
- Home Nursing
- Ambulance Coverage
- And Much Much More
The cost of your health insurance policy increases every single year..but how often do your rebates or yearly limits increase? Staying loyal to your existing policy for too long might cause you to be on an outdated and costly policy. Comparing your health cover can often result in helping you save hundreds off your health insurance premium and find better-suited cover.
The great thing about health insurance is that there are policy options across a range of budgets.
Because there are no fixed-term contracts or exit fees in health insurance you can always start off small and add services to your policy when you need them. (Just be mindful of serving wait periods when you add services to your plan)
This will depend on several factors such as your state, policy type and most important of all….your health needs. When choosing a health insurance policy, price is important but overall value for money is a much better aspect to focus on. For example, paying an extra $2 per month might be worth it, if you get $200 extra in dental per year!