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Private Health Insurance

Looking for Australia's best value private health insurance?

Compare Private Health Insurance

Compare private health insurance premium rates and policy terms online with us and see how much you'll save!

Complete our short private health cover enquiry form and we'll connect you to the best premium rate comparisons from Australia's biggest selection of Private Health Insurance Policies and Providers.

Why Private Health Insurance?

Whilst we enjoy a very generous public health system in this country, private health insurance offers some significant benefits. These benefits include;

  • Private hospital admission (typically more comfortable than public hospitals).
  • The public health system does not afford the same flexibility in choice of doctor.
  • Private patients generally enjoy shorter waiting times for treatment

Lifetime Health Cover

The Australian Government introduced lifetime private health insurance cover back in the year 2000 in a move that rewards people who take out their private health insurance at younger age.

This is because, when you buy health insurance for the first time, you will incur a lifetime premium loading of 2 per cent on the basic premium for each year that you are over 30.

In other words, if you leave it until you are 40 to buy private health cover, you can expect to pay 20% more every year that someone of the same age who bought insurance a decade earlier.

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Please note that some of our calculators may use assumptions that are not necessarily applicable to your current specific circumstances and we therefore cannot always guarantee their accuracy. You should always seek professional financial advice from a licensed professional before proceeding with any financial recommendations.

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Important: Financial Services Online is a referral service. We provide general information only and we do not offer financial advice. We refer all insurance, finance and other enquiries that are initialted on this and our associated websites to specialist advisers who are licensed in their respective fields. You should always seek professional advice before making important financial decisions.