Don’t wait months for treatment — compare private health cover that fits your budget
Explore private health cover options available today and see if better value exists for your situation.
Marcus Fielding
Last Updated 25 Jan 2026
Still paying for cover you’re not using — and hoping you won’t need it soon?
You’re not alone. Many Australians stay on the same policy for years while premiums rise — can involve waiting months — sometimes close to a year, depending on the procedure and location.
A quick comparison can show if there’s a better-value option for your life stage right now.
When “set and forget” turns into “wait and regret”
Life changes — your policy often doesn’t. Over time, you might stop needing certain benefits and start needing others, while your premium keeps climbing.
You may be paying for benefits you’ll never claim
Missing stronger extras value on the services you actually use
Staying put rarely means staying on the best deal
New offers appear all the time — but they don’t always reach existing members
Health funds regularly release updated products and promotions. If you’re on an older policy, you may not be moved across automatically.
Select your life stage to get a tailored comparison
Where Health Care Check comes in
— “But won’t I lose my waiting periods?”
This fear keeps people stuck — even when better value is available.
The reality is:
When switching to equivalent or lower hospital cover, completed waiting periods are often recognised by the new fund
You’re not “starting again” just because you found a better deal
Extras can vary between funds — but you may find stronger value on the services you actually use
We explain it clearly, so you can compare with confidence.
Check how much you could save in a one minute
01
Select your life stage (Single, Couple, Family, Single Parent, Retiree)
02
Answer a few quick questions about your current cover and what you want to change
03
Get a tailored comparison from Health Care Check so you can compare value and costs from our partner panel
See How Much You Could Save
Don’t wait months for treatment — compare private health cover that fits your budget
Explore private health cover options available today and see if better value exists for your situation.
Marcus Fielding
Last Updated 25 Jan 2026
Still paying for cover you’re not using — and hoping you won’t need it soon?
You’re not alone. Many Australians stay on the same policy for years while premiums rise — can involve waiting months — sometimes close to a year, depending on the procedure and location.
A quick comparison can show if there’s a better-value option for your life stage right now.
When “set and forget” turns into “wait and regret”
Life changes — your policy often doesn’t. Over time, you might stop needing certain benefits and start needing others, while your premium keeps climbing.
You may be paying for benefits you’ll never claim
Missing stronger extras value on the services you actually use
Staying put rarely means staying on the best deal
New offers appear all the time — but they don’t always reach existing members
Health funds regularly release updated products and promotions. If you’re on an older policy, you may not be moved across automatically.
Select your life stage to get a tailored comparison
Where Health Care Check comes in
— “But won’t I lose my waiting periods?”
This fear keeps people stuck — even when better value is available.
The reality is:
When switching to equivalent or lower hospital cover, completed waiting periods are often recognised by the new fund
You’re not “starting again” just because you found a better deal
Extras can vary between funds — but you may find stronger value on the services you actually use
We explain it clearly, so you can compare with confidence.
Check how much you could save in a one minute
01
Select your life stage (Single, Couple, Family, Single Parent, Retiree)
02
Answer a few quick questions about your current cover and what you want to change
03
Get a tailored comparison from Health Care Check so you can compare value and costs from our partner panel
See How Much You Could Save
Don’t wait months for treatment — compare private health cover that fits your budget
Explore private health cover options available today and see if better value exists for your situation.
Marcus Fielding
Last Updated 25 Jan 2026
Still paying for cover you’re not using — and hoping you won’t need it soon?
You’re not alone. Many Australians stay on the same policy for years while premiums rise — can involve waiting months — sometimes close to a year, depending on the procedure and location.
A quick comparison can show if there’s a better-value option for your life stage right now.
When “set and forget” turns into “wait and regret”
Life changes — your policy often doesn’t. Over time, you might stop needing certain benefits and start needing others, while your premium keeps climbing.
You may be paying for benefits you’ll never claim
Missing stronger extras value on the services you actually use
Staying put rarely means staying on the best deal
New offers appear all the time — but they don’t always reach existing members
Health funds regularly release updated products and promotions. If you’re on an older policy, you may not be moved across automatically.
Select your life stage to get a tailored comparison
Where Health Care Check comes in
— “But won’t I lose my waiting periods?”
This fear keeps people stuck — even when better value is available.
The reality is:
When switching to equivalent or lower hospital cover, completed waiting periods are often recognised by the new fund
You’re not “starting again” just because you found a better deal
Extras can vary between funds — but you may find stronger value on the services you actually use
We explain it clearly, so you can compare with confidence.
Check how much you could save in a one minute
01
Select your life stage (Single, Couple, Family, Single Parent, Retiree)
02
Answer a few quick questions about your current cover and what you want to change
03
Get a tailored comparison from Health Care Check so you can compare value and costs from our partner panel
See How Much You Could Save
Thousands of Aussies switch to better-value health policies, saving $250–$700+ a year.
Start by selecting your age to see how much
you could save
100% Australian owned & operated
Thousands of Aussies switch to better-value health policies, saving $250–$700+ a year.
“I hadn’t reviewed my policy in years. This helped me understand what I was paying for and compare better value. It took less than 2 minutes to start.”
Emily
52
Thousands of Aussies switch to better-value health policies, saving $250–$700+ a year.
Start by selecting your age
to see how much
you could save
100% Australian owned & operated
Thousands of Aussies switch to better-value health policies, saving $250–$700+ a year.
“I hadn’t reviewed my policy in years. This helped me understand what I was paying for and compare better value. It took less than 2 minutes to start.”
Emily
52
Thousands of Aussies switch to better-value health policies, saving $250–$700+ a year.
Start by selecting your age
to see how much
you could save
100% Australian owned & operated
Thousands of Aussies switch to better-value health policies, saving $250–$700+ a year.
“I hadn’t reviewed my policy in years. This helped me understand what I was paying for and compare better value. It took less than 2 minutes to start.”
Emily
52