Compare Health Insurance

Easily compare and buy policies from some of Australia's leading health funds

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Health Insurance has changed

Private health insurance products will now be tiered: Basic, Bronze, Silver, and Gold.

Each tier covers a standardised set of clinical categories set by the government. Higher tiers cover more categories, and include what is covered in the tiers below.

Learn more about Private Health Insurance

Learn more about Private Health Insurance

Health Insurance Waiting Periods

A waiting period is the time you need to wait before you are allowed to make any claims for benefits on your cover through your health insurance fund. Waiting periods apply for new or increased levels of cover.

Hospital and Extras Cover

Private hospital cover is health insurance that covers your costs as a private patient while you are in hospital up to the MBS (Medicare Benefit Schedule) fee. Extras cover offers benefits for out-of-hospital treatments that commonly include dental, physiotherapy and optical.

Medicare Levy Surcharge (MLS)

Encouraging Australians to take out private hospital cover, the MLS is an additional 1% to 1.5% tax (on top of the standard 2% Medicare Levy) for those who earn above a certain income and don't have private hospital cover.

Lifetime Health Cover (LHC)

LHC encourages Australians to take out and maintain private hospital cover earlier in life by adding a 2% loading for any Australians who don't have private hospital cover before the 1st of July following their 31st birthday.

Hospital and Extras Cover

Private hospital cover is health insurance that covers your costs as a private patient while you are in hospital up to the MBS (Medicare Benefit Schedule) fee. Extras cover offers benefits for out-of-hospital treatments that commonly include dental, physiotherapy and optical.

Health Insurance Premium Rate Rise

On the 1st of April each year, health insurance funds generally increase their premiums. These changes generally cover the growing costs and variations of services and claims, as well as any increase in the cost of medical treatments and medical technology.

Switching Health Insurance

It's easy to consider changing health funds if you're unhappy with the service, but most people don't consider a regular policy review as their life progresses through different stages.

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We compare some of Australia's biggest private health funds

We compare plenty of policies across our range of health funds, so you can rest assured you're making an informed choice. While our range of health insurance policies is always growing, we don't compare all providers in the market.

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How you can compare health insurance with iSelect

How you can compare health insurance with iSelect

Step 1. Get acquainted

Share a few details about yourself and the type of private health insurance you're looking for.

How you can compare health insurance with iSelect

Step 2. Understand your options

We'll go through your health insurance options, and compare the benefits available to you based on your needs.

How you can compare health insurance with iSelect

Step 3. Get covered

Once you know you're making an informed choice, you can finalise and buy your health insurance through iSelect.

Health insurance comparison made easy

Easily compare, select and save on health insurance policies

Trusted by thousands of Australians

We've provided over a million health insurance comparisons in Australia and we're still counting. We know to look beyond the discount and into what really matters.

We guarantee it

With our Price Promise, you won't find a better price by going direct to a provider on the health insurance policies that we sell. If you find an identical policy cheaper after buying with us, we'll give you a $500 eGift Card. T&Cs apply.

Experienced advisers

Our experts know their stuff. Their smarts, combined with our technology, means you'll get private health to meet your needs and budget, while getting to the heart of what’s important to you.

Your Health Insurance questions answered

What is private health insurance?

How does health insurance work?

What does private health insurance cover?

What is excess in health insurance?

What is the private health insurance rebate?

Do pensioners need private health insurance?

Does Medicare cover ambulance?

What does 'no gap' mean in health insurance?

What is 'extras' cover in health insurance?

What does private health insurance cover that Medicare doesn't?

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LHC Loading

LHC Loading is also know as Lifetime Health Cover Loading and is an initiative brought in by the Federal Government in July 2000...

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MLS - Medicare Levy Surcharge

What is the Medicare Levy Surcharge? Find out more about the Medicare Levy Surcharge and how it could affect you.

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After you lodge a claim with your health insurer it can sometimes feel like you're waiting for a bus to arrive, but you don't...

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Hospital and extras cover

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Insurance waiting periods

Waiting periods protect you and your chosen health fund from consumers joining for financial gain, as this can lead to increased...

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