Stop paying the lazy tax on your health cover.
Compare health insurance funds
Health insurance is the only thing we compare. Not car, not home, not life, just health cover, so we know the funds we compare inside and out, better than a generalist site ever could.
Done in 5 minutes. Free to use, zero obligation.
I need cover for…
Compared against some of Australia's biggest health funds
How it works
Three steps to better cover
No jargon, no pressure. Just a clear path from question to quote.
Answer a few questions
Household, state and current cover. Enough for us to narrow the field, nothing more.
Get a matched recommendation
Our team compares funds against your answers and shortlists the ones that actually fit.
Apply online or call us
Found the right fit? Apply in a couple of clicks, or talk it through with a real person first.
Why compare with us
Why Australians compare with Healthy Insurance
We're not a jack-of-all-trades comparison site juggling car, home and life insurance on the side. Health cover is the only thing we do.
100% free to use
No hidden fees, no catches. Funds pay us, not you.
No waiting periods lost
Waiting periods you've already served carry straight over.
Same price as direct
You'll never pay a cent more than going to the fund yourself.
Health cover, and nothing else
No other product lines to split our attention. Our team studies health funds full time, so the advice is genuinely specialist.
Reviews
How our experts have helped Australians like you
So glad I found this service
Was confused about which fund was right for me and my husband. The consultant took the time to understand our situation and found a fund that actually suits our needs.
Found the right cover in under 20 mins
Had no idea where to start with health cover. The call was so easy, right questions, right fund. Wish we'd done it sooner.
Finally feel like I've got the right cover
As a single mum I don't have money to waste. The consultant really listened and found something that worked for me and my kids without blowing the budget.
Very professional and helpful
Thorough, asked about our specific needs and recommended a fund that suited us perfectly. Even followed up with a summary email.
FAQs
Health insurance FAQs
Do I actually need health insurance?
Medicare covers essential care, but without private cover you may face long public waiting lists, no choice of doctor in hospital, and no cover for dental, optical or physio.
How much does it cost, and is it worth it?
Singles typically pay $80–$400/month depending on cover level; couples and families $150–$600+. Worth it comes down to avoiding waiting lists, claiming everyday costs, and potentially avoiding the Medicare Levy Surcharge.
Will I pay extra tax if I don't get cover?
If you earn above the threshold and don't hold hospital cover, the Medicare Levy Surcharge applies. Often a basic policy costs the same or less than the surcharge.
What does cover typically include?
Hospital cover pays for private hospital treatment; extras cover helps with everyday costs like dental, optical, physio and psychology that Medicare doesn't touch.
How long until I can use my cover?
New policies carry standard waiting periods. If you're switching funds at an equal or lower level, any waiting periods you've already served come with you.
Does using Healthy Insurance cost anything?
No, it's completely free. Funds pay us a commission if you take out a policy, and the price you pay is exactly what you'd pay going direct.
Last step
We've found health insurance policies that match your needs!
Enter your details and we'll help you find the right fit. Get your tailored health insurance quote in minutes, fast, free, and with no obligation.
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All done
Thanks! We've received your details.
One of our health insurance specialists is reviewing your information and will be in touch shortly to help you compare your options. We'll reach out by phone or email, so keep an eye out for a call or message from us. We look forward to helping you find cover that suits your needs and budget.