Health Insurance Guides
Practical guides to help you understand private health insurance in Australia. No jargon, no sales pitches, just the facts you need to make an informed decision.
Health Insurance Premiums Increase April 2026
Premiums rise 4.41% on average from 1 April 2026. How much more you will pay, which funds are increasing the most, and what you can do before the increase.
April 2026How to Reduce Your Health Insurance Costs
8 practical strategies to lower your premiums after the April 2026 increase. Compare funds, adjust excess, review extras, and more.
Save MoneyShould You Downgrade Your Health Insurance?
When downgrading makes sense, how Lifetime Health Cover loading works, the downgrade vs cancel trade-off, and how to choose the right tier.
DowngradeHospital vs Extras vs Combined Cover
Understand the three types of private health insurance, what each covers, and which type suits your situation.
Cover TypesMedicare Levy Surcharge Calculator 2026
Calculate whether paying MLS or taking out hospital cover is more cost effective for your income level. Interactive calculator included.
CalculatorLifetime Health Cover Loading Explained
How LHC loading works, how much extra you could pay, and how to remove it after 10 continuous years of hospital cover.
LoadingPHI Rebate Tiers 2025-26
The Australian Government rebate on private health insurance premiums. See rebate percentages by income tier and age group.
RebateHow to Compare Health Insurance in Australia
A step-by-step guide to comparing health funds. What to look for, common traps to avoid, and how to find the right policy.
GuideReady to compare?
Compare all 34 health funds side by side. Zero commissions, zero sales calls.
Compare all 34 health funds nowGeneral information only. This is not financial advice. Consider your own circumstances or consult a qualified adviser before making decisions about health insurance.