9,762 reviews on 
Best-Rated Health Insurance Companies
Every Australian health insurance company offers comprehensive hospital cover, extras cover, and other health services. However, there are a few things to watch for that can help you understand each insurer’s strengths. The aim is to find the best-rated health insurance for your specific needs.
What do the best health insurance providers offer?
Health insurance providers offer private health insurance policies for private hospital treatment within the Australian healthcare system. Health insurance cover can be for general treatment, an ongoing health issue, family planning, or extras policies for targeted treatments such as dental work or physiotherapy.
The best health insurance providers offer attractive premiums, low excess amounts plus inclusions and exclusions to suit your health insurance needs. There is much to consider, and this is where GoSwitch comes into the picture. A GoSwitch health insurance price comparison can be completed in minutes whether you are looking for singles cover, couples cover or family coverage, allowing you to get personalised health cover for any stage of life.How health insurance works
Health insurance comes in two main types: hospital cover and extras cover. Private hospital cover is for treatments performed in private hospitals, whereas extras cover is for treatments outside hospital settings, such as physiotherapy and dental work. Hospital cover and extras cover can be combined for a personalised level of cover. With many available health cover options in Australia, a GoSwitch health insurance comparison is a smart first step. Questions worth asking include:
- What is the level of hospital cover?
- Is ambulance cover included?
- What extras services are available?
- Is a private hospital room included?
- Can I choose my physician for general check-ups and other treatments?
- Are there waiting lists for new members?
- Does health insurance cover out-of-pocket costs?
- Are there aged-based incentives or government rebates?
Advantages of private health insurance include not having to pay the Medicare Levy Surcharge, an extra tax for high-income earners without private hospital insurance.
TIP: Join a health fund before you turn 31. Once you turn 31, a 2% lifetime health cover loading is added to your hospital cover premium for every year you’re without cover.
How is my information used for a health insurance comparison?
GoSwitch compares the policies of our health fund partners to discover varying levels of coverage and benefits. For this reason, our comparison process attempts to capture as many of your healthcare and hospital policy needs as required. At GoSwitch, we do more than find cheaper health insurance premiums, our methodology helps you find a policy that will deliver value based on your life stage, health requirements, and budget.
No-gap medical services offer peace of mind for you and your loved ones. Although Medicare is a worthy public hospital safety net, an investment in private health insurance lets you get on with life knowing you have private patient priority without waiting periods for medical treatment and other health services. GoSwitch partners include major Australian health insurance companies such as Medibank, HBF, NIB, BUPA, HCF, AHM, and GMHBA. A GoSwitch comparison will help you find health insurance products for your specific health needs in NSW, Queensland, Victoria, and other Australian states and territories.
The 100% free GoSwitch service
You read it right – the GoSwitch service is 100% free for you to use. You get to compare our range of health insurance policies and select one that suits you, at zero cost. GoSwitch generates income by taking a commission on sales generated from our health insurance industry partners. Our prices are the same as those offered by our health partners, allowing GoSwitch to remain a free price comparison website and a win-win for everyone.
Additionally, we take the time and hassle out of your search, with all the best health insurance deals in one place. If you want a better deal from your current private health provider or are looking for a different health provider with tailored inclusions, GoSwitch can make it happen.
Switching health insurance policies with GoSwitch
You may have heard about waiting lists for health insurance policies. There can be waiting periods if you are a new health insurance policy customer. If you are upgrading your health coverage with your current health insurer, you may need to serve a waiting period for things that weren’t previously covered. A GoSwitch comparison search provides clear information about potential health insurance deals.
We make switching health insurance policies fast while offering savings opportunities wherever possible. We even handle all the boring admin work for you. If you switch health insurance policies using GoSwitch, we will inform your new health fund, and they will take care of the rest. We offer a seamless service from start to finish.
FAQs
What is the best health cover in Australia?
The best health cover depends on your individual needs and the insurance premiums (cost) and excess required to pay when making a hospital claim. Some health insurance products might be great for families, while others are better suited to seniors, singles or couples. GoSwitch can help you compare different policies to find the perfect fit for you.
How much does private health insurance cost?
The cost of private health insurance varies depending on your age, the level of cover, and the for-profit 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.
How do I get two private health insurance policies?
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 hospital policies to find the right mix for you.
Does private health insurance cover dental services?
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.
What is the best health insurance company to go with?
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.