The Smarter Way to Compare Health Insurance
Finding health cover shouldn’t mean navigating endless policies, confusing terminology and complicated choices.
With CompareUs, tell us what matters to you and explore health insurance options based on your circumstances. Our simple guided process takes just a few minutes to complete.
Explore cover that suits you
Discover available health insurance options based on your household, location and the type of cover you’re looking for.
Understand your options
See what different types of cover can include, from hospital and extras to options that suit different stages of life.
Find cover that fits your needs and budget
Take the next step towards health cover that works for you, with no obligation to proceed.
Health insurers available to compare
Explore health insurers available through our comparison service. Options may vary based on your circumstances, location and eligibility.
Private health insurance guides
Private Health Insurance Waiting Periods in Australia
Waiting periods limit when you can first claim after joining or upgrading private health insurance. The rules differ between hospital and extras cover.
5 September 2026
How CompareUs Reviews Private Health Insurers
Our health insurer reviews use the same evidence and comparison framework across Bupa, HBF, HCF, Medibank and nib.
30 August 2026
What to Do When a Health Insurance Claim Is Rejected
Understand health insurance claim rejected in Australia, including reasons, internal review, evidence and escalation options, questions to ask and...
30 August 2026
FAQs
Does CompareUs compare every health insurance policy?
No. CompareUs does not provide health insurance quotes on this website. If you request a comparison call and provide your consent, we pass your details to ItsMy Group and one of their representatives will contact you to discuss options from participating insurers. PrivateHealth.gov.au publishes a government comparison of policies available in Australia.
What should I compare on hospital cover?
Start with the clinical categories you may need, then check exclusions, restrictions, excesses, co-payments, waiting periods, hospital agreements and likely doctor gaps for the exact product.
Is extras cover the same as hospital cover?
No. Extras generally pays benefits for eligible non-hospital services such as dental, optical or physiotherapy. Extras-only cover does not satisfy Medicare Levy Surcharge or Lifetime Health Cover hospital-cover rules.
Will I serve waiting periods again when switching funds?
Waiting periods already served generally transfer for an equivalent or lower level of cover. New or higher benefits can attract waiting periods, so obtain written confirmation from the new fund before cancelling the old policy.
Does private health insurance remove every out-of-pocket cost?
No. Excesses, co-payments, restricted hospital benefits, doctor gaps and extras limits can still leave costs. Ask for written estimates before planned treatment.
How often should I compare health insurance?
Review it at least annually and after changes such as moving, starting a family, planned treatment, retirement, a premium increase or a change in household income.