Health Insurance Quote

Compare health insurance quotes here with Savvy from a range of respected insurers. 

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, updated on July 6th, 2023       

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Health Insurance Banner

We’ve partnered with Compare Club to bring you a range of health insurance policies to help you compare them side by side.

If you’re in the market for a new health insurance policy or are looking to upgrade or switch your health cover, it’s worth getting a range of quotes from different insurers before you buy your cover. By comparing offers side-by-side, you can gain a much better understanding of which ones fit in with your health cover needs and what you can expect to get for your money. 

Through Savvy you can get a variety of 100% free, no-obligation quotes from a panel of respected Australian insurers online. If you find an offer you like, you’ll either be able to make the choice yourself and buy your policy online or, if requested, consult with a health insurance expert over the phone. Start the process by filling out a simple form today with Savvy.  

How do I get a quote for health insurance through Savvy?

The process to get quotes and buy health insurance is simple and easy with Savvy. Just follow these simple steps and within minutes you could have a range of quotes to compare:  

  1. Provide basic details about the type of health insurance you are looking at and your health insurance needs  
  2. Compare the quotes generated based on the information you provide, using the advice below to consider them side-by-side 
  3. If you find a policy that suits your needs and budget, you can either complete the quote process yourself and buy it online, or request a call-back so that a health insurance specialist can assist you with the process over the phone 
  4. You’ll be offered phone support to make sure the switching process goes through smoothly and to answer any queries you may have  
  5. Remember to check back with Savvy at least once a year to make sure your health insurance policy is still the most relevant for your needs 

How should I compare health insurance quotes to help find the best one?

There are several factors you should compare when looking at different health insurance options. These include: 

Which type and level of cover should I choose? 

There are four tiers of hospital cover available in Australia. The level of cover these policies offer is regulated by the Australian Government to ensure that consumers can compare apples with apples. Each tier must by law offer cover for set clinical categories. The four tiers are: 

  • Basic – offering cover for limited hospital services in just three clinical categories (psychology, rehabilitation and palliative care) 
  • Bronze – which often includes the same cover as a basic policy, with additional cover typically offered for up to a further 18 clinical categories  
  • Silver – which potentially offers cover for a further 29 clinical categories (or more in some cases) 
  • Gold – which offers cover for all clinical categories, and is the highest level of cover available 

The cost of each of these levels of cover increases with the number of clinical categories which are covered by the policy, so it’s worth considering your health cover needs taking into consideration any existing health issues you may have. There are also specific health insurance policy requirements for overseas students and visitors. 

What private health facilities are nearby? 

Hospital cover is designed to assist with the cost of being treated as a private patient, either in a private or public hospital. Aussies living in urban areas may have plenty of choice about which hospital they attend, but those living in rural or remote areas may not have that luxury. The same applies to private practitioners offering treatments available through extras cover: check what’s available in your area and which health funds your preferred providers are aligned with. Think about your health requirements and which treatments and services you really need cover for.  

What excess and co-payments am I comfortable paying? 

When buying a hospital cover policy, you may be able to choose the excess that you’re willing to pay if you do need to make a claim. Excess payments can range from zero up to a maximum of $750 for a singles policy or $1,500 for a family policy, which can impact the cost of your policy. For example, a silver policy with a $750 excess will cost less than a silver policy with a $250 excess.  

The same principle applies to co-payments. If you’re admitted to hospital, your policy may require you to make a co-payment for each day you remain an in-patient. Think about how much you would be prepared to contribute to your hospital treatment (if required) when choosing which insurance policy is right for your personal circumstances.  

What waiting periods may apply to the health insurance cover I buy? 

All health insurance hospital cover policies come with waiting periods, but once you've served one for a particular form of hospital treatment, you probably won’t have to re-serve it if you switch to an equivalent level of insurance with a different provider. In addition, some insurers may offer to waive certain waiting periods for new customers to entice them to take out extras cover, for example. Waiting periods are set at between two and 12 months for hospital cover (depending on the type of treatment) as per Australian Government requirements. However, extras cover waiting periods can be set by individual insurers without any requirements to follow, so they’re especially important to compare.  

What types of out-of-hospital services do I use? 

Extras cover is designed to assist with the cost of paying for services which may not be covered by Medicare, such as physio and dental services. Most insurers offer a choice of levels of extras cover, which broadly offer a higher level of rebates on the cost of your treatments as the price of the policy increases.   

Think about the out-of-hospital health care services you currently use or would like cover for when deciding if extras cover is worth it or which insurance policy is the right one for you. For example, do you currently visit a physio or chiropractor? Do you want cover for massage and dental expenses? If your treatment needs are more extensive, such as if you require hearing aids and more complex dental treatment, you may wish to look at a more expensive extras policy which offers a higher level of cover. 

Are there free treatment options available in my local area? 

Some health insurers have a network of service providers who may offer low-cost or even no-gap treatment to members of a particular health fund. For example, the second-largest health insurer in Australia, BUPA, has its Members First network of over 10,000 healthcare providers who offer cheaper services to BUPA members. Research which health funds your favourite providers are members of to give yourself a clearer idea of where you may be able to make savings on the cost of your treatment. 

Compare costs side-by-side 

The cost of health insurance policies varies widely between providers. Make sure you’re comparing similar policies (such as bronze hospital cover with other bronze policies) and consider their relative cost compared to the level of cover on offer. With extras cover, compare the annual limits on offer (for example, a more expensive extras policy may offer an annual limit of $2,500 for the major dental category, whereas a cheaper policy may only offer $1,000). 

Look at additional services and bonus features on offer 

Some funds provide additional services and benefits to their customers, such as:  

  • rewards programs – offering cheap movie tickets or discounts on shopping 
  • reduced-cost gym memberships 
  • free phone health hotlines where you can speak to a qualified nurse for advice 
  • access to free health programs, such as diabetes management to take a holistic approach to managing your condition 
  • subsidies for approved weight-management or quit-smoking programs, such as reduced costs for the Weight Watchers or CSIRO healthy eating programs 

Consider which of these additional services you will actually make use of before choosing between different health funds. 

Types of health insurance

Why compare health insurance through Savvy?

Frequently asked questions about health insurance quotes

What is a Private Health Information Statement (PHIS) and why is it important?

A PHIS is an official document that details the terms and conditions and inclusions of the health insurance policy you’re purchasing. It’s the equivalent of the product disclosure statement (PDS) you may have received if you’ve ever taken out a loan or opened a bank account. It’s an important document to read carefully and to compare with others as it provides details about the cover you’re buying so you can have a clearer understanding of what is and isn’t covered.  

Will I still have out-of-pocket expenses if I have extras cover?

This will depend on the extras cover policy that you decide to buy, the treatment you receive and the percentage of the gap cost your policy refunds. Cheaper policies may refund 50% of the cost of the treatment, whilst more expensive policies may offer up to 80% or more rebate on the cost. If you use a private provider who is part of your insurer's network, you may get basic dental and optical checks free of charge. 

Does the price in the health insurance quote I receive include my health insurance rebate?

Not usually – the price you are quoted will likely not include any rebates or reductions you may be entitled to (or any loadings or additional costs you may have to pay if you haven’t previously had health insurance). If you wish to receive your health insurance rebate through your health fund in the form of reduced monthly premiums, talk to your insurer when you purchase your policy.  

If I am a temporary visitor or non-resident of Australia, is it still possible to get health insurance?

There are specific health insurance policies available for eligible temporary residents of Australia and those who may be studying, working or holidaying here who are not entitled to claim Medicare benefits. These policies are collectively known as Overseas Visitors Health Cover. You can easily get quotes for this type of health insurance to compare here through Savvy.  

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Savvy is partnered with Compare Club Australia Pty Ltd (AFS representative number 001279036) of Alternative Media Pty Ltd (AFS License number 486326) to provide readers with a variety of health insurance policies to compare. Savvy earns a commission from Compare Club each time a customer buys a health insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via Compare Club.

Savvy’s comparison service is provided by Compare Club. Compare Club compares selected products from a panel of trusted insurers and does not compare all products in the market.

Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

For any further information on the variety of insurers compared by Compare Club or how their business works, you can read their Financial Services Guide.