We also value your feedback and suggestions — they help us continually improve the Health Insurance Online experience and ensure our services meet the needs of our users.
For general questions, compliments, or complaints not related to a quote, please use our online contact form so we can direct your enquiry to the appropriate department promptly.
Contact Details
Mailing Address: PO Box 1183 Palm Beach, Queensland, Australia 4221
Office Location: 43 Larch Street Tallebudgera, Queensland, Australia 4228
Complaints Handling
If you have a concern or complaint about any aspect of our service, including the way your personal information has been handled, please contact us in the first instance. We will acknowledge your complaint promptly and aim to resolve it within a reasonable timeframe in accordance with our internal complaints procedure.
If you are not satisfied with our response, you may refer your complaint to the Australian Financial Complaints Authority (AFCA) — an independent external dispute resolution scheme approved by ASIC:
For complaints relating specifically to privacy or the handling of personal information, you may also contact the Office of the Australian Information Commissioner (OAIC):
Any personal information you provide via this website will be handled in accordance with our Privacy Policy. We collect this information to respond to your enquiry, manage your request, and, where applicable, refer you to a licensed professional. You can request access to or correction of your personal information at any time by contacting us in writing.
Licensing and Regulatory Information
This website is operated by Clark Family Pty Ltd (as Trustee for the Clark Family Trust), located at 43 Larch Street, Tallebudgera QLD 4228, A.C.N. 010 281 008.
Clark Family Pty Ltd is an Authorised Credit Representative of Saccasan Pty Ltd (Australian Credit Licence No. 386297) and an Authorised Representative of Unique Group Broker Services (Australian Financial Services Licence No. 509434).
For more information about licensing and regulatory matters, please visit the ASIC website.
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NSW Fair Trading’s criminal proceedings against Network Strata Services Pty Ltd, trading as Netstrata, have pushed strata governance and insurance transparency back into the national spotlight. The regulator alleges the company and its director and licensee in charge breached statutory obligations connected with strata scheme management in New South Wales, including alleged failures around conflicts of interest, undisclosed financial benefits and information provided to the regulator. - read more
A fresh dispute over the proposed Insurance Brokers Code of Practice has sharpened the focus on transparency for Australian small businesses. Industry figure John Trowbridge has criticised gaps in the draft code, particularly around whether brokers should disclose commissions and other remuneration to all clients, not only those captured by narrower product or client categories. - read more
A recent Australian Financial Complaints Authority decision has put a spotlight on a detail that can be easy to overlook: how an income protection policy defines income. In the case, a policyholder receiving payments under an employer-arranged group income protection policy argued that regular sales commissions should be counted when calculating his pre-disability income. - read more
A fresh dispute over Australia’s insurance broking standards has put transparency back in the spotlight for small business policyholders, including personal trainers, fitness instructors and studio operators. On 17 July 2026, several consumer and strata owner groups withdrew from consultation on the National Insurance Brokers Association’s rewritten Insurance Brokers Code of Practice, arguing that industry self-regulation does not go far enough on conflicted payments and commission disclosure. - read more
Australia’s life insurance sector has welcomed the Federal Government’s updated expectations for APRA and ASIC, a policy signal that could shape how insurers balance consumer protection, affordability and innovation. The new expectations ask the regulators to keep the financial system safe and stable while also supporting competition, productivity and proportionate oversight. For life insurance customers, the practical question is whether that balance leads to clearer products, better service and cover that remains within reach. - read more
Australia is renowned for its iconic landmarks, diverse ecosystems, and robust healthcare system. While the public healthcare system, Medicare, provides essential health services, it might not cover everything. The allure of private health coverage lies in its promise of broader options, reduced wait times, and coverage for services not included in Medicare, like dental and optical care. - read more
Health insurance is a crucial aspect of financial planning for individuals and families alike. It provides protection against unexpected medical costs and ensures that you have access to necessary healthcare services when you need them most. - read more
With healthcare being a critical aspect of every family's well-being in Australia, securing the right family health insurance is not just a necessity but a responsibility. Recognizing the importance of this safety net is the first step towards safeguarding the future health needs of your loved ones. Balancing comprehensive coverage against affordable premiums can seem overwhelming with a multitude of plans available. - read more
In today's rapidly changing health insurance landscape in Australia, keeping track of costs and coverage can be daunting. Many Australians find themselves grappling with high premiums that seem to increase year after year. - read more
Preventive healthcare refers to measures taken to prevent diseases, rather than treating them after they occur. This includes actions like regular health screenings, vaccinations, and adopting healthy lifestyle practices. - read more
Knowledgebase
Term Life Insurance: A form of life insurance that is a pure protection policy with no cash or maturity value which lasts for a specific length of time, called a term.
