How we get paid

The short version

If we help you switch to a health fund, we will receive a commission from that fund. You don’t pay anything extra for using our service.

How it works

ProperCover partners with The ItsMy Group (IMG), who has relationships with a panel of 18 leading Australian health funds.

We compare a range of products from the health funds on our panel. We don’t compare every health fund in the market or every product offered by the funds we represent.

If one of our advisors helps you find a policy that suits you and you choose to join a health fund from our panel, that fund will pay a commission to IMG. IMG then shares that commission with us.

What that means for you

You won’t pay anything extra for using ProperCover. Your premium is the same as if you went directly to the health fund.

Our role is to help you understand your options and find cover that fits. We’re not here to push one fund over another.

Advisor independence

Our advisors are not told how much commission is paid by each fund. This helps keep recommendations focused on what’s right for you, not what pays more.

Our standards

ProperCover and IMG are signatories to the Private Health Insurance Intermediaries Code of Conduct. This sets standards for transparency, fairness, and how advice is provided.