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We can save you hours on research
We compare many of Australia’s leading Private Health Funds
We have great relationships with a wide range of Health Insurers. View our full range of providers
iSelect does not compare all providers in the market or all policies offered by our partners in your area. Not all policies or special offers are available to all customers and some may only be available over the phone or on the website. Learn more.
Health Insurance for every life stage
Our health needs evolve over time. Happily, your Health Insurance can evolve right along with your lifestyle and budget.
Whether you’re moving out of home, starting a family, or enjoying the fruits of retirement, there’s a policy for you.
Health Insurance by cover type
When choosing Private Health Insurance, there’s a number of options to consider. To help your decision, here’s a breakdown of each of them.
Hospital and Extras
The best of both worlds, this type of cover brings your Hospital and Extras Policies together in one convenient package. You might also hear it referred to as Combined Cover.
Hospital Cover
Hospital Cover helps with the costs of hospital treatment as a private patient. With this type of cover, you can choose your own doctor and you might have a shorter wait for elective surgery.
Extras Cover
This type of cover helps with the cost of treatments that aren’t covered by Medicare. Think healthcare services that usually take place outside a hospital, like dental, optical, and physio.
Ambulance Cover
While some states offer free emergency Ambulance Cover, unfortunately it’s not the case everywhere. If your state doesn’t, Ambulance Cover can help cover transport costs in an emergency.
Found the same policy cheaper?
We’ll give you a $500 Gift Card
When it comes to Health Insurance, we make a Price Promise to you: if, within 30 days after buying with us, you find the same policy with a lower standard annual premium from the same insurer, we’ll give you a $500 eGift card.
Why buy with iSelect?
Our people are experts in comparison. They draw from our more than 20 years of experience to help you find
a better deal on your Health Insurance, Energy, Car Insurance, Internet, Home and Contents Insurance, and more.
Our service costs you nothing and comes with no obligation to purchase. Instead of charging you a fee, our partner funds pay us a commission. Learn more about how we make money
We don’t mark up the price of our policies, so you’ll pay the same as buying direct from the Health Fund.*
*Excluding corporate discounts and exclusive retail offers
If we can’t find you a better deal, we’ll be honest about it and tell you to stay exactly where you are
Our comparison experts are based in Australia, like you. When it comes to navigating the complexities of the Aussie health system, they know what’s what
While our service is provided to you completely free of charge, we know there is no such thing as a free lunch.
Great Health Insurance offers from our partners
ahm
1 month free and 2 & 6 months waits on extras waived on eligible hospital + extras products.
Offer ends 30/09/24 T&Cs apply
Australian Unity
Get six (6) weeks free when you purchase hospital and extras cover; or extras only cover.
Offer ends 30/09/24 T&Cs apply
nib
6 weeks free and 2 & 6 months waits on extras waived on eligible hospital + extras products.
Offer ends 30/09/24 T&Cs apply
Peoplecare
Up to 8 weeks free and 2 & 6 months waits on extras waived on eligible hospital + extras products.
Offer ends 30/09/24 T&Cs apply
How to buy with iSelect
Get acquainted
Share some basic details about yourself or your household and the type of policy you’re looking for
Learn your options
Compare our range of funds and policies, and filter your options based on what’s important to you
Get sorted
Once you’re happy with your choice, we’ll help you finalise and buy, either online or over the phone
Done!
We’ll even break up with your existing Health Fund for you, saving you the extra time and hassle
Need help understanding Health Insurance?
Do I need Health Insurance?
Private Health Insurance works alongside Medicare, Australia’s public healthcare system. Hospital Cover lets you get treated in hospital as a private patient. That can mean more choice of doctors and shorter wait times for elective surgery. There could be tax benefits, too.
Extras Cover can be helpful if you regularly get treatments not covered by Medicare, like dental, physio or optical.
The Medicare Levy Surcharge
Most taxpayers pay the Medicare Levy. The Medicare Levy Surcharge, on the other hand, is an additional tax for high-income earners – specifically singles earning over $97,000 or couples earning over $194,000. It’s designed to encourage people to take out Hospital Cover.
If you earn more than these amounts and don’t have Hospital Cover, you’ll have to pay an additional 1–1.5% in tax. Take out Hospital Cover to avoid paying more on your taxes.
Government rebate for Health Insurance
Depending on your income, you could be eligible for the Private Health Insurance Rebate. The lower your income, the higher the rebate. You can claim it when you file your taxes or as a reduction in your premiums.
Avoid paying extra down the track
Lifetime Health Cover Loading is a government penalty to encourage people to get Health Insurance earlier. If you wait until you’re over 31 to get Hospital Cover, you’ll likely have to pay more for several years.
Waiting periods for treatment
You might think you’d have to re-serve waiting periods if you switched policies. Not true! Hospital waiting periods you’ve served are protected by law if you switch to an equal or lower level of cover.
‘I love finding policies that match my customers’ priorities, their health needs, and their budget. It’s really rewarding getting to know people and figuring out how I can help.’
Nicole, Comparison Expert – Health
318 customers helped since October 2023
Health Insurance explained, with Canna Campbell.
Canna Campbell from SugarMamma TV breaks down the essentials of health insurance.
Canna Campbell
SUGARMAMMA TV
Which policies do iSelect customers choose?
You can buy Hospital Cover and Extras Cover separately, or together as a Combined Policy.
iSelect customers have shown they enjoy the convenience and peace of mind of having the additional coverage of combined Hospital and Extras Cover.
In fact, between 2019 and 2023, the number of our customers buying Combined Policies increased from 66% to 73%.
Compare Health Insurance
Health Insurance in Australia can be pretty complicated. Let our comparison experts
simplify the process and help you find a policy that suits you.
Meet our Health Insurance expert
‘I love working with our insurance partners to bring great policy options to everyday Aussies’
Mark Pangrazio
Executive – Commercial
Mark is the Executive – Commercial at iSelect, where he’s been working since 2018. Mark also loves a chat. Ask anyone in the iSelect team and they’ll tell you how you can always stop for a yarn with Mark – whether it’s about work, footy, what you’re up to or the weather. Mark’s also passionate about helping people find the insurance they’re looking for at the price point they can afford. He firmly believes that suitable Health Insurance can provide an affordable way for people to have more choice and control over their healthcare. That’s why he loves working with our insurance partners to bring great products to everyday Aussies.
Mark’s top tips for getting a good deal on your Health Insurance
1. Don’t set and forget. Our health needs and financial circumstances change throughout our lives. Ask yourself, ‘What do I need to be covered for?’ Review your policy regularly to make sure you’re not paying for things you don’t need and that you’re covered for the things you do.
2. Could a higher excess save you money on your premium? Generally, the higher the excess or co-payment you are willing to pay, the lower your monthly premium will be. If you think it’s unlikely you’ll be admitted to hospital in the near future, opting for a higher excess could help bring down the cost of your premiums.
3. Offers, deals and freebies. Funds may offer incentives at different times of the year, which can be a good time to shop around for a better deal. But don’t be distracted by a one-off discount or promotion. Make sure the policy is suited to your needs and provides ongoing value for money.
4. The Extras. There is a wide variation between funds on what services are offered and what you’ll get back under Extras Cover. Do you even need Extras? If the answer is yes, it may be worth considering a flexible policy that combines your separate Extras limits into a single annual limit for you to spend on services you use the most.
5. Waiting periods are protected. Did you know that any Hospital waiting periods you’ve already served will be protected by law if you switch to an equivalent or lower level of Hospital Cover? Many people stick with an outdated or expensive policy because they mistakenly believe they’ll have to re-serve waiting periods if they switch, but it simply isn’t true!
Want to know more about Health Insurance?
It’s easy to take Medicare for granted. It plays a key role in how Aussies access healthcare, and if you’re under 40, you m…
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It’s exciting when you choose to expand your family, but there can be a lot to think about – including whether your hea…
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Save time and effort by comparing a range of Australia’s health funds with iSelect
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If you’re looking for a quick rundown on rebates and levies, then you’ve come to the right place! Read on for all things ta…
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Getting treated at a private hospital doesn’t have to cost an arm and a leg! There are tons of insurers out there who offer g…
Read MoreCompare Health Insurance
Health Insurance in Australia can be pretty complicated. Let our comparison experts
simplify the process and help you find a policy that suits you.
iSelect does not compare all health insurance providers or policies in the market. The availability of policies will change from time to time. Not all policies available from its providers are compared by iSelect and due to commercial arrangements, your stated needs and circumstances, not all policies compared by iSelect are available to all customers. Some policies and special offers are available only from iSelect’s contact centre or website. Click here to view iSelect’s range of providers