Make Sure Your
Health Cover
Still Works for You
Review your current hospital or combined cover by comparing it with selected options that may better suit your needs and budget.
- Compare selected health funds
- Speak with a specialist
- No obligation to switch
A Quick Note Before You Compare
4.41% is an industry average
Individual premium changes vary depending on the insurer and policy.
Smart Compare uses a selected panel
We compare selected policies from participating health funds, not every health fund or policy available in Australia.
A Simple Review Could Help You Understand Your Options
Reviewing your current policy can help you understand what you're paying for, what your cover includes, and how selected alternatives compare.
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Review What You're Paying
Premiums can change over time. Take another look at what you're currently paying and whether your policy still offers the value you're looking for.
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Check What Your Cover Includes
Your current hospital or combined cover may not suit your needs in the same way it did when you first chose it. Reviewing it can help you understand what you're covered for today.
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Compare Other Available Options
See how your current cover compares with selected options from participating health funds, so you can better understand the differences before deciding what works for you.
Reviewing your cover doesn't mean you have to switch — it simply helps you understand what you have and what other selected options may be available.
Comparing Your Health Cover Can Be Simple
Smart Compare helps you understand your current health insurance and compare it with selected cover options based on what you're looking for.
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Tell Us About Your Current Cover
Answer a few quick questions about your current health fund, the type of cover you have and what you'd like to improve.
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Speak With a Smart Compare Specialist
A specialist will contact you to better understand your current cover, needs and what matters most to you.
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Compare Selected Cover Options
Explore selected hospital and combined cover options from participating health funds and understand how they compare with your current policy.
You stay in control — comparing your options doesn't mean you have to switch.
Compare Cover From Participating Australian Health Funds
As part of your health cover review, Smart Compare can help you explore selected hospital and combined cover options from a panel of participating health funds.
Already with one of these funds? You can still review your current cover and compare it with selected alternatives available through Smart Compare.
*Smart Compare — compares selected policies from participating health funds and does not compare all health funds or all policies available in Australia.
Comparing Your Options Doesn't Mean You Have to Switch
It's natural to feel comfortable with the health fund you already know. Comparing your current cover simply gives you a clearer view of your options before you decide what makes sense for you.
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Start With What You Already Have
Your current policy is the starting point. Understand what you already have before considering selected alternatives.
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Understand the Differences
A Smart Compare specialist can explain the cover options available to you, so you understand how they differ from your current policy.
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Make the Decision That Suits You
If your current cover still works for you, you can keep it. If another option looks more suitable, you can decide whether to take the next step.
There's no need to change for the sake of changing — the goal is to understand your cover, compare your options and make a more informed decision.
A Simple Way to Review and Compare Your Health Cover
Smart Compare Health Insurance is a comparison and referral service that helps Australians review their existing private health insurance and compare selected hospital and combined cover options from participating health funds.
Our specialists take the time to understand what you currently have, what you'd like to improve, and help you explore selected options available through our comparison service.
We believe comparing health insurance should be straightforward — so you can better understand your options and decide what works best for you.
No pressure. No obligation to switch. Just a clearer way to understand and compare your health cover.
What Our Customers Say
Priya S. 2 weeks agoThe specialist took the time to actually understand my current policy before showing me any alternatives — I finally understood what I was paying for.
Michael T. 3 weeks agoNo pressure at all. I ended up staying with my current fund, but at least now I know why — and that peace of mind was worth the ten minutes.
Sarah K. a month agoSaved me hours of research. The whole comparison made sense in one quick call and I could see the differences side by side.
James R. a month agoReally easy to use and the consultant explained everything in plain English. Ended up switching to a better policy for the same monthly cost.
Emma W. 2 months agoGenuinely helpful team. My consultant walked me through the extras I was actually using vs paying for. Trimmed our monthly premium noticeably.
David L. 2 months agoGreat experience. Called back exactly when they said they would, and gave straightforward advice — no upsell nonsense at all. Highly recommend.
Aisha M. 3 months agoQuick and painless. I filled out the short form, got a call within an hour, and had a clearer picture of my options by the end of the same day.
Peter N. 3 months agoAs a retiree I was worried it'd be complicated. It wasn't. The consultant was patient and explained everything clearly. Thanks to the whole team.
What to Know Before Comparing Your Cover
Do I have to switch health funds if I compare?
No. Reviewing and comparing your current cover simply helps you understand your policy and the selected options available to you. Whether you stay with your current cover or choose another option is completely up to you.
Does Smart Compare compare every health fund and policy?
No. Smart Compare compares selected policies from participating health funds. We do not compare every health fund or every policy available in Australia.
Can Smart Compare review the health insurance I already have?
Yes. If you already have private health insurance, a Smart Compare specialist can discuss your current cover, what you'd like to improve, and selected alternatives available through the comparison service.
What types of health cover can I compare?
Smart Compare focuses on hospital cover and combined hospital + extras cover, helping you explore selected options based on your needs and circumstances.
What happens after I submit my details?
A Smart Compare specialist will contact you to discuss your current cover and what you're looking for. They can then help you review what you have and explore selected cover options available through the comparison service.
What if I don't currently have private health insurance?
You can still get started. Tell us what type of cover you're looking for and a Smart Compare specialist can discuss selected hospital or combined cover options that may be available to you.
Ready to Review Your Health Cover?
Take a few minutes to review what you currently have and see how it compares with selected options available through Smart Compare.
No obligation to switch — the choice is always yours.
- No-Cost Comparison Service
- Explore selected alternatives
- Compare Anywhere from Australia