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Compare your existing policy

Compare your existing policy with similar policies to meet your current health cover needs and budget.

Insurers change
prices and policies regularly

Insurers can change their prices on current policies annually after approval from the Australian government.

Insurers regularly update policy terms and inclusions on current policies.

Insurers also regularly introduce new policies to the market with the latest pricing and remove policies from sale.

Compare existing policy

Your health insurance needs
change

Your personal circumstances change over time and so do your health insurance needs.

Check whether or not your existing policy meets your current health cover needs and budget.

Compare 50,000+ policies from all health insurers, updated monthly.

Compare existing policy

Compare your policy and premium regularly

We make it easy for you to compare your existing policy with other insurers and policies based on your current health cover needs.

Enter your Policy ID or let us help you find your existing policy.

Check and compare your policy regularly.

Compare existing policy

Find your Policy ID and start comparing

How to find your Policy ID

Step 1: Find your Private Health Information Statement (PHIS)

Your health insurer must give you a Private Health Information Statement (PHIS) so you can review your policy. This will be sent to you every year via email or post, usually between February and March before the price changes on April 1.

Step 2: Locate your Policy ID

Find your Policy ID at the bottom of your PHIS.

Your Policy ID is a code and looks like this: MBP/J116/NODM10.

There is a distinct pattern starting with the insurer code and here are some examples:

  • Bupa ‘Advantage Hospital $750 Excess – Gold’ policy is BUP/H32/NELR10.
  • nib ‘Gold $400 Excess’ Hospital and Extras Combined policy is NIB/J16/N0800F.
  • ahm ‘Essential Silver Plus’ Hospital Cover is AHM/J121/NHFX10.

Step 3: Compare your existing policy

Enter your Policy ID into the healthslips.com.au calculator and you can compare your existing policy with other policies currently available.

Easily and quickly compare every policy from every insurer to make an informed decision about whether you want to retain your current policy or consider switching to a different policy, or different insurer.

What if I can’t find my Policy ID?

If you cannot find your PHIS, ask your insurer for a copy of your PHIS or download it from your insurer’s website.

It all starts by comparing every policy from every insurer to calculate your cheapest policy
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What type of existing policy do you have?

Combined Hospital and Extras Cover

If you have Hospital and Extras Cover together in the one policy, you will have one Policy ID on your Private Health Information Statement (PHIS).

You can easily compare your Combined Hospital and Extras Cover policies on the healthslips.com.au Calculator by entering your Policy ID.

We will compare your existing combined policy to relevant Combined Hospital and Extras policies available.  

Separate Hospital Cover and Extras Cover

Depending on when you took out your health insurance, you may have separate health insurance policies for Hospital Cover and Extras Cover. Each policy will have a separate Private Health Information Statement and Policy ID.

If your separate policies are from the same insurer, you can compare them with Combined Hospital and Extras policies. Simply enter your 2 existing Policy IDs into the healthslips.com.au Calculator and we will aggregate your 2 policies and your levels of cover to compare them with Combined Hospital and Extras policies relevant to your needs.

Currently healthslips.com.au cannot compare separate policies from 2 different insurers.

Standalone Hospital Cover and Extras Cover

If you only have Hospital Cover or only have Extras Cover, these are referred to as standalone policies.

You can compare your standalone Hospital Cover or Extras Cover on our calculator, using the Policy ID on the Private Health Information Statement (PHIS).

This will help you compare with other policies available on the market and to calculate your cheapest policy.

What our customers say

Easy to digest and compare (up to 10 policies) simultaneously. I will definitely use healthslips.com.au regularly. George, March 2026
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