Health insurance. Done properly.

Yes - it’s completely free to use. If you take out a policy through us, we will receive a commission from the health fund. You don’t pay anything extra.

We look at your situation, budget, and what actually matters to you - then compare suitable options from our panel of health funds. We’ll walk you through the differences so you can make a proper decision.

Nope. If you move to the same or lower level of cover, your existing waiting periods are recognised. If you upgrade your cover, you will only need to serve waiting periods on the higher benefits.

All health funds offer a cooling-off period (usually 30 days). If you change your mind during that time, you can cancel and get a full refund.

The Medicare Levy Surcharge (MLS) is an extra tax some higher-income earners pay if they don’t have private hospital cover. It’s designed to encourage people into the private system and reduce pressure on Medicare.

Lifetime Health Cover (LHC) loading adds 2% to your premium for every year you’re over 30 when you first take out hospital cover. It sticks around for 10 years if you keep your cover.

The government may cover part of your premium through a rebate, depending on your income and age. It’s usually applied automatically and helps make cover more affordable.

Hospital cover helps with hospital stays, surgery, and in-hospital treatment.
Extras cover helps with everyday services like dental, physio, and optical.

Basic - minimal cover
Bronze - essential treatments
Silver - broader coverage
Gold - full coverage

Typical waiting periods include:
- 2 months for general services
- 6 months for some extras
- 12 months for pre-existing conditions
- 12 months for pregnancy

Gap payments are the difference between what your doctor charges and what Medicare plus your insurer covers. Some funds reduce or remove these costs entirely.

Switching is usually simple:
1. Choose your new policy
2. Apply (we can help)
3. Your new fund handles the cancellation
4. Your history transfers across
5. Your new cover starts

All you’ll need:
- Medicare card
- Payment details
- Current policy details

In most cases, no. Your waiting periods and many benefits carry across when switching to a similar level of cover.