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Compare Private Health Insurance Options In Australia

Health Insurance Online is a free public health insurance comparison and broker-matching service for private health insurance in Australia. We connect you with specialist brokers from around the country who can provide health insurance quotes and help you compare health insurance plans. Simply submit a single quote request via this website to compare premiums and policy features from participating providers and explore affordable health insurance options that may suit you.

Find the right cover at competitive rates!

Your free Heatlth insurance quote comparison starts here!
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All quotes are provided obligation-free by a participating broker from our national referral partner network. We respect your Privacy.

Comparison results are from participating brokers within our referral network and may not represent all providers in the market. We may receive a referral fee at no cost to you. We do not provide financial advice or credit assistance directly.

Health Insurance

Health insurance helps individuals and families manage the financial impact of unexpected hospital, medical and ancillary expenses.

Health insurance cover can include hospital cover, extras cover, or a combination of both, depending on your needs and budget.

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Competitive Rates

Simply complete our short online quote form for access to competitive health insurance quotes from participating brokers across Australia.

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Compare Options

Health insurance policy conditions and inclusions can vary significantly between insurers, so it is important to compare health insurance plans carefully and seek advice before choosing cover to meet your needs.

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Multiple Insurers

Health insurance is available through many financial institutions and specialist brokers offering private health cover in Australia.

Because health insurance is a specialist area, it is usually best to work with a licensed broker who focuses on health insurance and can explain the differences between policies for you.

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Personal Advice

Health Insurance Online does not provide personal financial advice or claims assistance directly. All enquiries, including quote comparisons, claims assistance and any form of personal advice, are provided by a licensed specialist broker, selected from our Australia-wide referral partner network, who will communicate with you directly after you submit a quote request.

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Broker Matching

A specialist Insurance Broker will be assigned to your enquiry based on your location, specific requirements and your personal circumstances, as identified from the answers you provide in your health insurance quote request. For this reason, it is important that you provide complete and accurate answers when you submit your enquiry.

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Insurance News

HESTA Announces Significant Insurance Fee Reductions and Enhanced Member Protections
HESTA Announces Significant Insurance Fee Reductions and Enhanced Member Protections
10 May 2026: Paige Estritori
HESTA, a prominent Australian superannuation fund, has unveiled a series of changes aimed at providing more accessible and affordable insurance coverage for its members. Effective from 1 July 2026, these adjustments include an average 12% reduction in insurance fees across all cover types, encompassing death, total and permanent disablement (TPD), and income protection cover. - read more
APRA Implements Reforms to Strengthen Longevity Product Market
APRA Implements Reforms to Strengthen Longevity Product Market
10 May 2026: Paige Estritori
The Australian Prudential Regulation Authority (APRA) has finalised amendments to its prudential standards concerning the capital treatment of longevity products, including annuities. These reforms, set to take effect on 1 July 2026, are designed to bolster the market for retirement income products by supporting innovation and reducing unnecessary regulatory constraints, all while maintaining robust prudential safeguards. - read more
Acenda Introduces Lifestream: A New Guaranteed Income Solution for Retirees
Acenda Introduces Lifestream: A New Guaranteed Income Solution for Retirees
10 May 2026: Paige Estritori
Acenda Life has expanded its offerings in the retirement market with the launch of Lifestream, a guaranteed income product designed to provide retirees with predictable, lifelong income. This initiative addresses the challenges posed by increasing life expectancies and rising living costs, offering a solution that enhances financial confidence for Australians entering retirement. - read more
Australian Insurance Market Sees Decline in Premium Rates
Australian Insurance Market Sees Decline in Premium Rates
10 May 2026: Paige Estritori
The Australian insurance landscape is undergoing a notable shift, characterized by a softening market and declining premium rates. This trend is largely attributed to heightened competition among insurers and improved financial performance within the industry. - read more
Executive Departures at Chubb and AIG Reshape Australian Insurance Landscape
Executive Departures at Chubb and AIG Reshape Australian Insurance Landscape
10 May 2026: Paige Estritori
The Australian insurance sector is witnessing significant leadership transitions, with notable departures at two major global insurers, Chubb and AIG. These changes are poised to influence market dynamics and competitive strategies within the industry. - read more
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Health Insurance Articles

Unlocking Affordable Health Insurance: Tips to Reduce Your Premiums
Unlocking Affordable Health Insurance: Tips to Reduce Your Premiums
The current health insurance landscape in Australia can be quite confusing for many people. With numerous options available, it’s not always clear which to choose to balance your budget with your needs. Premiums are on the rise, and Australians are becoming increasingly concerned about the costs of maintaining adequate coverage. - read more
Understanding Health Insurance: A Starter's Guide for Young Australians
Understanding Health Insurance: A Starter's Guide for Young Australians
Embarking on the journey of understanding health insurance is a pivotal stride for young Australians. It's a proactive step that embodies responsibility for one's well-being and financial foresight. Health insurance can often seem like a complex affair reserved for a future self, but grappling with its intricacies early can be both economically savvy and health-conscious. - read more
5 Common Mistakes to Avoid When Selecting Family Health Insurance
5 Common Mistakes to Avoid When Selecting Family Health Insurance
Choosing the right family health insurance can feel like navigating a maze. With so many options and factors to consider, it's no wonder many Australians find the process overwhelming. The stakes are high, as the wrong choice could not only impact your family's access to healthcare but also strain your finances. - read more
Is Private Health Insurance Worth It? Exploring the Benefits
Is Private Health Insurance Worth It? Exploring the Benefits
In Australia, health insurance plays a significant role in ensuring individuals can access quality medical care without incurring prohibitive costs. - read more
What to Look for in Basic Health Insurance Cover
What to Look for in Basic Health Insurance Cover
Welcome to our discussion on basic health insurance cover, a topic that is crucial yet often overlooked in the hustle and bustle of everyday life. Navigating the world of health insurance can be daunting, but understanding your options is vital for peace of mind and financial stability. - read more

Knowledgebase
Coinsurance:
A percentage of the cost of a covered healthcare service that you pay after you have paid your deductible.

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IMPORTANT: We act solely as an introducer and refer enquiries to licensed third-party brokers, insurers, and lenders. We do not provide financial product advice or credit assistance. We may receive a fee or commission from these third parties in consideration for the referral. Before any action is taken to obtain a product or service referred to by this website, advice should be obtained (from either the third party to whom we refer you or from another qualified intermediary) as to the appropriateness of obtaining those products having regard to your objectives, financial situation and needs. Whilst we have our own process for validating the legitimacy of our referral partners, you should independently verify the credentials and licensing of any adviser or provider you engage. Visit the ASIC website for further information.