Compare health insurance cover that suits you

Private health insurance helps cover some or all costs of medical services not fully covered by Medicare. In Australia, this usually includes hospital cover (private hospital treatment) and extras cover (dental, optical, physio, and more).

Comparable helps you compare private health insurance by understanding your needs (hospital, extras, or both), matching you with plans from participating health funds, and showing key features, benefits, and estimated costs so you can review options and switch with our support. Health insurance advice is provided by Ethical Prospecting Pty Ltd T/A Comparable (ABN 34 605 805 409) and administered by the ItsMy Group (ABN 85 167 289 965). Ethical Prospecting Pty Ltd T/A Comparable and the ItsMy Group are signatories to the Private Health Insurance Intermediaries Code of Conduct. Comparable compares a selected panel of health funds and does not compare all funds or all products available from participating funds. You can view our Privacy Policy, Dispute Resolution, Code of Conduct and Remuneration Disclosure for more information.

Yes — using Comparable is completely free for you. We don’t charge customers for comparing or switching across energy, broadband, health insurance, or home loans. Instead, we receive a commission from providers if you choose to take up a product through us. This doesn’t increase the price you pay — in many cases, we help you find a better deal or more suitable option based on your needs. Our goal is to make comparisons simple and help you make informed decisions, whether you choose to switch or not. For more information please see How we get paid.

You can compare hospital cover, extras cover, and combined hospital-plus-extras policies. Availability depends on your eligibility and providers on our panel.

Hospital cover helps with treatment and accommodation in private hospitals. Extras cover helps with out-of-hospital services like dental, physio, and optical.

Yes. You can switch health insurance providers at any time, and Comparable can help you compare options and move to a more suitable policy.

In many cases, waiting periods already served are recognised when switching to a similar level of cover. However: Upgrading your cover may trigger new waiting periods Rules vary between insurers

Waiting periods are the time you must wait before claiming certain benefits after taking out or upgrading a policy. For example: General services may have shorter waits Pre-existing conditions can have longer waiting periods

The Medicare Levy Surcharge (MLS) is an additional tax for higher-income earners who do not have eligible private hospital cover. Taking out hospital cover may help you avoid this surcharge, depending on your income and eligibility.

Lifetime Health Cover loading is a government initiative that can increase premiums if you take out hospital cover after age 31.

Yes. The Australian Government private health insurance rebate may reduce your premium, depending on your age and income.

Comparisons are based on: Information you provide Available product data from insurers Policy features and pricing They are intended as a guide. You should review the insurer’s terms and product details before making a decision.

You can explore general options, but providing some details helps generate more relevant comparisons based on your needs and eligibility.

You can switch at any time. However, many people review their cover: At tax time When premiums change When their health needs change

Once you choose a policy: Your application is submitted to the insurer The insurer confirms your cover and start date You receive policy documents and details Timing varies depending on the insurer.

Yes. Comparable allows you to compare single, couple, and family health insurance policies, depending on your needs.

Yes. Most policies include a cooling-off period, allowing you to cancel within a specified timeframe (subject to insurer terms).

Health insurance premiums, benefits, and policies change over time. Comparing regularly helps ensure your cover still suits your needs and budget.