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Find a great private health insurance policy that fits your needs by comparing providers today. Multiple options to choose from without having to spend hours doing all the leg work.

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    What is private health insurance?

    Written by Clint Robinson, GoSwitch CEO
    Published 29 August 20246 mins read

    If you have private health insurance, you have the freedom when it comes to selecting which medical procedures and treatments to undergo. Avoiding public waiting lists, picking your doctor, and staying in a quiet, private room are all perks of having private hospital insurance (on availability). Many non-hospitalized medical services, such as physiotherapy and dental care, are partially or fully covered by “extras” coverage. You can get the best of both worlds with a combined policy that covers you for everything.

    Compare Health Insurance

    Do you want to compare health insurance plans?

    Choosing the best health insurance plan among the many available options can be challenging. Our team at GoSwitch is here to assist you in your search for the most suitable medical coverage. You can get a quote in a matter of minutes using our online comparison tool, or if you’d rather speak with a human being about your options, you can reach out to our expert-run call center.

    Compare Health Insurance
    Quickly identify the right plan for you

    Quickly identify the right plan for you

    Find the best policy for your situation quickly and easily. Our health insurance comparison tool is quick and easy to use, taking only a few minutes to complete.
    Highest quality of service

    Highest quality of service

    Our customer service team is staffed by professionals specialising in private health insurance. If you have any questions, they have the answers.
    We help you every step of the way

    We help you every step of the way

    Find, compare, and buy medical coverage all in one convenient location. We're here to help you every step of the way.
    At no cost to customers

    At no cost to customers

    If you want to use our service, there is no cost. Get unbiased and expert advice free of charge.

    Discover the advantages of health coverage

    Get the best care when you need it most

    Get the best care when you need it most

    If you have a preference for receiving medical care in a private hospital as a private patient, having private hospital insurance can assist you in managing the financial responsibilities involved. By opting for personal hospital coverage, you gain the ability to choose your own physician and enjoy the comfort of a private room, while also avoiding the lengthy queues typically found in public hospitals.
    Supplements to medical insurance

    Supplements to medical insurance

    Coverage "extras" can help with the costs of non-hospital medical services that Medicare doesn't pay for. This could cover the cost of new eyeglasses, physiotherapy, or a dental exam and cleaning.
    Add on extras and get the right cover when you need it

    Add on extras and get the right cover when you need it

    The coverage provided by a combined health insurance plan includes both hospitalisation and extras cover. It can help reduce the cost for a wide variety of hospital and non-hospital treatments.
    Safety net for dental care

    Safety net for dental care

    Many Australians would be in dire straits without dental insurance due to the high cost of care. This becomes even more important if you need extensive dental work, like implants or dentures. Fortunately, most health insurance policies cover both major and minor dental procedures.
    Physiotherapy cover

    Physiotherapy cover

    Rehabilitation from an injury can be aided by seeking out a physiotherapist's advice and following their prescribed treatment plan. Health insurance can help offset this assistance's cost when required.
    Pre-existing conditions

    Pre-existing conditions

    A pre-existing condition is a health problem before you purchase your policy. It's good news that you won't have to pay extra for your insurance because of your illness, but it could mean longer wait periods for related treatments.

    FAQs

    The best health cover depends on your individual needs and budget. Some policies might be great for families, while others are better suited to singles or couples. GoSwitch can help you compare different policies to find the perfect fit for you.

    The cost of private health insurance varies depending on your age, the level of cover you choose, and the health fund you go with. Some funds offer basic cover for a few hundred dollars a year, while others can cost a few thousand. It’s always best to compare different health funds and policies with GoSwitch to find the one that suits your budget and needs.

    You can split your health cover between two providers if you prefer. This could mean having hospital cover with one insurer and extras cover with another. GoSwitch can help you compare and combine different policies to find the right mix for you.

    Dental coverage depends on your specific policy and level of extras cover. Many policies cover routine checkups and basic treatments, while some also cover major dental work like orthodontics. Use GoSwitch to compare policies and see what’s included in each.

    The best health insurance company for you will depend on your individual needs and the specific health services you’re looking for. Some companies excel in hospital cover, while others offer better value for extras. GoSwitch makes it easy to compare different companies and their offerings so you can find the one that’s right for you.

    Guide to Health Insurance from GoSwitch

    The value you get from your extras is crucial. It might be cost-effective if you frequently use the benefits, such as annual checkups or eyeglasses. It may be more prudent to save up for larger purchases and pay for services as they are used if this is more of a "just in case" measure. Discounted rates may seem appealing, but cheap doesn’t always mean that it’s good. Raising your deductible could be a good option if you're looking to cut costs but want to keep coverage essentials. One of the main advantages of private health insurance is its adaptability. If you move insurance, for instance, your new insurer will consider any waiting times you've already fulfilled. You should know there will be a delay before accessing improved or brand-new features and benefits.
    Choosing the right coverage is crucial when comparing health insurance plans since it can determine whether or not medical expenses will be covered or need to be paid for out of pocket. Others may only be interested in purchasing "extras," while others may solely opt for hospitalisation coverage. For comprehensive protection, many people opt for hospital and supplemental coverage policies. There is no fee to utilise GoSwitch's comparison service. Instead, when one of our customers joins the health fund, we get a commission from the provider, ensuring our service is completely free of charge for you