Whether you’d like to explore insurance options through Health Insurance Online, request a quote from a participating broker, or learn more about our referral services, we’re here to assist. You can start your enquiry online and request a referral to a participating insurance broker to discuss your requirements and, where applicable, available options.
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 about our website or referral service, please use our online contact form so we can direct your enquiry to the appropriate department.
If your enquiry relates to a quote, application status, existing insurance policy or loan, repayment, claim, approval decision or another matter being handled by a broker, lender, insurer or other provider, you should contact that business directly. We do not make lending or insurance decisions and do not have access to participating brokers’ or providers’ application, policy, loan or claims systems.
If you previously submitted an enquiry through this website and need assistance identifying or contacting the broker or provider to whom your enquiry was referred, you may contact us and we will check our referral records. Where appropriate, we can also forward your request to the relevant participating broker or provider so they can respond to you directly.
Please do not include sensitive personal or financial information in the contact form, such as passwords, banking details, credit card details, Tax File Numbers, identification documents or other information that is not necessary for us to identify your original enquiry.
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.
f you are not satisfied with our response, you can contact the Australian Financial Complaints Authority (AFCA) to check whether it can consider your complaint. AFCA is 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 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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A fresh National Heavy Vehicle Regulator action against a heavy vehicle operator is a timely reminder that insurance risk is not limited to what happens at the moment of a crash. The NHVR announced on 30 October 2026 that it had issued a prohibition notice after identifying significant and ongoing safety risks, including repeated defects in safety-critical systems and concerns about the operator’s management controls. - read more
A recent income protection dispute has put fresh attention on a difficult but important issue for Australian workers: a medical condition may be treated as pre-existing even where a formal diagnosis comes later. The case, reported on 9 November 2026, involved a prostate cancer claim that was declined after the Australian Financial Complaints Authority accepted that earlier medical warning signs and specialist investigations were enough to trigger a pre-existing condition exclusion. - read more
The Fair Work Commission’s varied fuel cost recovery order will restart obligations from 23 November 2026, requiring covered road transport contractual chains to account for higher fuel costs against the 6 March 2026 benchmark. For truck operators, the immediate issue is contract pricing, but the insurance angle is also important: cash flow, route choices, subcontracting arrangements and vehicle utilisation all influence how risk is presented and managed. - read more
A Queensland Court of Appeal decision involving AIA Australia has put renewed attention on how technical policy conditions can affect total and permanent disability claims, and why business owners should not treat insurance wording as a background detail. The case concerned group TPD cover held through superannuation, but its broader message is relevant to SMEs that rely on life, TPD and disability-style cover to protect debt, ownership arrangements and business continuity. - read more
APRA’s latest life insurance claims and disputes statistics, released on 16 October 2026 and covering the 12 months to 30 June 2026, provide a useful reminder for Australian businesses: the practical value of cover often depends on how clearly it is structured, documented and understood before a claim ever arises. - read more
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
Affordable health insurance refers to insurance plans that offer necessary health coverage at a price within one's financial means. These plans aim to balance cost with the quality of care, providing essential services without excessive financial burden. The goal is to make healthcare accessible to a wider population, ensuring that everyone can maintain their health without going into debt. - read more
Switching health funds in Australia can be straightforward, but it is worth understanding portability, waiting periods, cancellation timing and what to check before changing private health cover. - read more
The private health insurance rebate, Lifetime Health Cover loading and Medicare Levy Surcharge can all affect what Australians pay for private health cover. This guide explains how each rule works, how they interact, and what to check before choosing or reviewing a policy. - 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
Knowledgebase
Proximate Cause: The primary cause of loss in an insurance claim, which sets in motion a chain of events leading to the damage or injury.
