Australian owned · 11 years · 9 participating funds
Health Insurance for Seniors
Aussies who switched with Health Deal saved an average of $380* in their first year
Compare your cover in two minutes
*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.
What Australians say about Health Deal
Independent reviews collected and verified by Trustpilot.
Health cover after 60
The cover that suited you at 40 rarely suits you at 65
Most people keep the same policy for years and never revisit it. Meanwhile premiums rise, the extras you once used go untouched, and the services that matter more later in life — joint replacements, cataract surgery, heart procedures, rehabilitation — sit in higher tiers that not every policy includes. A review is not about paying less for less. It is about making sure you are paying for the things you are actually likely to use.
What you are covered for
Some procedures that become more common with age are only included on higher levels of hospital cover. Worth confirming yours includes them before you need them.
What you are not using
Extras limits for orthodontics or sports physio may be costing you every month while going unclaimed. Dental, optical and hearing may matter more.
What you are paying
Premiums change each year, and the Australian Government Rebate is higher once you reach 65 and again at 70. Many people are not claiming the tier they qualify for.
Three things worth knowing before you switch
- You do not re-serve waiting periods you have already completed, when you move to an equivalent level of cover
- Lifetime Health Cover loading is removed after 10 continuous years of hospital cover
- The government rebate increases at 65 and again at 70, and is income tested
- Your current fund does not need to be on our panel for us to compare
- You are never obliged to switch after a comparison
- A specialist explains the differences by phone — nothing is decided online
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, rebate and loading rules depend on your circumstances, and policy terms should be reviewed before you decide.
No obligation, no pressure
Answer a few questions, then talk it through with a person
Tell us your state, who needs cover and what matters to you. A Health Deal specialist calls you back and walks through suitable options from our panel in plain English — what is covered, what is excluded, what the waiting periods are and what it costs. If your current policy is already the right one, we will tell you that too.
Start my free comparisonCommon questions
Seniors health insurance questions
Will I have to serve waiting periods all over again 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 that you were not previously covered for.
Does my age mean I will be charged more, or be refused?
No. Private health insurers in Australia are community rated, which means they cannot refuse to cover you, or charge you a higher premium, because of your age or your health history.
I have had cover for years. Am I still paying Lifetime Health Cover loading?
You should not be. LHC loading is removed once you have held hospital cover continuously for 10 years. If you think it is still being applied, it is worth checking — it is one of the more common things we find on a review.
Is there a pensioner or seniors discount?
There is no universal pensioner rate. Some funds offer their own discounts or product features aimed at older members, and the Australian Government Rebate you are entitled to increases at 65 and again at 70. A specialist can talk through what applies in your situation.
Are joint replacements and cataract surgery covered?
It depends on your level of cover. Both sit in clinical categories that are only included on higher tiers of hospital cover, so a policy that suited you years ago may not include them. This is one of the first things worth confirming on your current policy.
Should I keep extras cover if I am not claiming much?
That is worth doing the arithmetic on. If your annual extras premium exceeds what you claim back, the cover may not be earning its place — but dental, optical and hearing benefits often become more valuable later in life, not less. It depends on what you actually use.
Do I have to decide on the phone?
No. There is no obligation to switch, and nothing is finalised during the call. You are welcome to take the information away and think about it.
Ready to review your cover?
Start your free comparison or call Health Deal on 1300 369 399.