Find your cheapest health insurance in 3 steps

Step 1

Calculate your cheapest health insurance policy

You need to start by finding a policy that fits your health cover needs and a premium that suits your budget.
 
The healthslips.com.au Calculator compares every policy from every insurer. Your results include policy details and premiums, from cheapest to most expensive, based on the information you provide.
 
Policy details are defined in the Private Health Insurance Statement (PHIS) including the Government-approved premium. We compare every PHIS.
 
You can compare multiple policies including the PHIS and premium for every policy.

Step 3

Finalise your price

Finalise your price by talking to your insurer to see whether insurer promotions and adult dependant variations apply to you.

Insurer Promotions

New customers: Insurers may offer promotions for new customers, up to the equivalent of 12% off the first year premium. Promotions may be in the form of discounts, services, waivers, gifts or other such offerings.
 
Existing customers: Insurers may also offer reduced premiums of up to 12% on an ongoing basis if you satisfy certain conditions, for example if you:

• pay a premium at least 3 months in advance, or as part of a payroll deduction, or by pre-arranged automatic transfer from a bank account or other financial institution
• communicate with the insurer via electronic means
• belong to a contribution group, such as a workplace.

Terms and conditions may apply.
 
We do not include all insurer promotions. Talk to your insurer of choice to finalise your price. 

Adult Dependent Variations

Occasionally, premiums may increase for policies which:

• cover 2 or more adults that include an dependant non-student
• cover an adult dependant with a disability.

Talk to your insurer of choice to finalise your price.