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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!

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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.

Frequently Asked Questions

    Customer Feedback

    ★★★★★

    "Great, friendly service. Takes all the hassle out of researching insurance deals. Very happy A+++"

    These are genuine reviews from customers who have used our broker referral service. We work with licensed finance and insurance professionals across Australia and continually monitor the quality of our network, however individual experiences and outcomes may vary

    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

    Why Claims Delays Are a Wake-Up Call for Truck Operators
    Why Claims Delays Are a Wake-Up Call for Truck Operators
    03 Sep 2026: Paige Estritori
    Fresh industry reporting on insurance dispute volumes has again put claim handling under the microscope, with delays, communication gaps and disagreements over policy response continuing to frustrate policyholders. For transport businesses, the issue is especially important because a commercial vehicle claim is rarely just about repairing metal. A grounded truck can interrupt contracts, leave freight undelivered and place immediate pressure on cash flow. - read more
    Why Severe Weather Should Trigger an Insurance Check for Tradies
    Why Severe Weather Should Trigger an Insurance Check for Tradies
    03 Sep 2026: Paige Estritori
    Renewed insurance industry warnings about severe weather are a practical reminder for Australian tradespeople: storm risk is not limited to damaged homes and flooded streets. It can also affect tools in a ute, materials stored on site, unfinished work, temporary fencing, scaffolding, electrical gear, excavation areas and client property surrounding a job. - read more
    Why Advice Reform Could Help Australians Understand Their Income Cover
    Why Advice Reform Could Help Australians Understand Their Income Cover
    03 Sep 2026: Paige Estritori
    Australia’s financial advice reform debate has moved back into the spotlight, with life insurers and advice groups continuing to argue that many people need simpler, more affordable help to understand the insurance they already hold. For income insurance customers, the issue is practical: cover can look straightforward on a statement, but the detail often sits in definitions, waiting periods, offsets, exclusions and claim conditions. - read more
    What electric truck uptake means for your cover
    What electric truck uptake means for your cover
    03 Sep 2026: Paige Estritori
    Recent fleet and transport industry coverage has again highlighted faster movement toward battery-electric and lower-emissions heavy vehicles in Australia, with truck makers, councils, logistics operators and specialist fleets moving beyond short demonstration runs. For truck operators, the insurance question is not simply whether electric trucks are better or worse than diesel. The practical issue is whether the policy reflects a different asset profile, different repair pathway and different downtime risk. - read more
    Why Repair Bottlenecks Matter for Farm Insurance Claims
    Why Repair Bottlenecks Matter for Farm Insurance Claims
    02 Sep 2026: Paige Estritori
    Fresh industry concern about repair delays after severe weather is highly relevant for Australian farms, where a damaged shed, washed-out access track or unavailable part can quickly interrupt day-to-day operations. While the wider insurance discussion often focuses on homes and commercial buildings, the same pressure points can be even more complex on rural properties because assets are spread out, specialist equipment is involved and local contractor availability may be limited. - read more
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    Health Insurance Articles

    Hospital cover tiers in Australia explained: Basic, Bronze, Silver and Gold
    Hospital cover tiers in Australia explained: Basic, Bronze, Silver and Gold
    Basic, Bronze, Silver and Gold hospital cover tiers help Australians compare private hospital insurance, but the tier name is only the starting point. Learn how clinical categories, exclusions, restrictions and Plus policies affect what a policy may cover. - read more
    5 Tips to Save on Health Cover as an Australian Senior
    5 Tips to Save on Health Cover as an Australian Senior
    Finding the right health insurance coverage is a critical concern for Australian seniors, who often face the dual challenge of managing chronic health conditions and maintaining financial stability in retirement. As the cost of healthcare continues to rise, the importance of securing an affordable health cover that still meets their needs cannot be overstated. - read more
    Ambulance cover in Australia and how it relates to private health insurance
    Ambulance cover in Australia and how it relates to private health insurance
    Ambulance costs in Australia can depend on where you live, where you need care and what your policy includes. This guide explains how ambulance cover works, whether Medicare usually pays, and what to check when comparing private health insurance. - read more
    Understanding the Basics of Australian Health Insurance
    Understanding the Basics of Australian Health Insurance
    Health insurance is a critical part of maintaining your well-being and financial stability. In Australia, understanding the basics of health insurance can help you make informed decisions that protect you during unforeseen medical events. - read more
    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

    Knowledgebase
    Grace Period:
    A set amount of time after the premium is due during which a policyholder can make a payment without the insurance coverage lapsing.

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    This website is owned and operated by Clark Family Pty Ltd (ACN 010 281 008) as Trustee for the Clark Family Trust (ABN 35 957 893 714), 43 Larch Street Tallebudgera QLD 4228. Clark Family Pty Ltd is an Authorised Representative (AR 1298860) of Unique Group Broker Services Pty Ltd (AFSL 509434) for financial product referrals and an Authorised Credit Representative (ACR 401491) of Saccasan Pty Ltd (ACL 386297). Check our licensing details on the ASIC registers: Clark Family Pty Ltd ACR, Clark Family Pty Ltd AR, Saccasan Pty Ltd, Unique Group Broker Services.
    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.