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Calculate your cheapest health insurance policy

Understand the 3 steps involved in finding your cheapest health insurance including calculating your cheapest policy, calculating your Rebate, Discount and Loading before finalising your health insurance price.

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Compare all Australian health insurers and every policy

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Find your cheapest health insurance in 3 steps

Step 1

Calculate your cheapest health insurance policy

You need to start by finding a policy that fits your health cover needs and a premium that suits your budget.

The healthslips.com.au Calculator compares every policy from every insurer. Your results include policy details and premiums, from cheapest to most expensive, based on the information you provide.

Policy details are defined in the Private Health Information Statement (PHIS) including the Government-approved premium. We compare every PHIS.

You can compare multiple policies including the PHIS and premium for every policy.

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Step 2

Calculate your Rebate, Discount & Loading

Once you have found a policy that meets your needs, you need to personalise your premium by calculating the Rebate, Discount and Loading as they apply to you.

Government
Rebate

Reduces your health insurance premium based on your income and number of dependents.

Age-based
Discount

Reduces your Hospital Cover premium if you are under 30. Not available from all insurers.

Lifetime Health
Cover Loading

Increases your Hospital Cover premium if you did not take out cover before the age of 31. A mandatory government loading.

Calculate your Rebate, Discount and Loading to personalise your premium.

Step 3

Finalise your price

Finalise your price by talking to your insurer to see whether insurer promotions and adult dependant variations apply to you.

Insurer Promotions

New customers: Insurers may offer promotions for new customers, up to the equivalent of 12% off the first year premium. Promotions may be in the form of discounts, services, waivers, gifts or other such offerings.

Existing customers: Insurers may also offer reduced premiums of up to 12% on an ongoing basis if you satisfy certain conditions, for example if you:

pay a premium at least 3 months in advance, or as part of a payroll deduction, or by pre-arranged automatic transfer from a bank account or other financial institution
communicate with the insurer via electronic means
belong to a contribution group, such as a workplace.

Terms and conditions may apply.

We do not include all insurer promotions. Talk to your insurer of choice to finalise your price.

Adult Dependent Variations

Occasionally, premiums may increase for policies which:

cover 2 or more adults that include an dependant non-student
cover an adult dependant with a disability.

Talk to your insurer of choice to finalise your price.

It all starts by comparing every policy from every insurer to calculate your cheapest policy

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Find the right cover for you

Find what type of health cover you need based on:

your single, couple, single parent or family status
your age
where you live
your health cover needs.

Find the right cover

Check what’s included

Once you have identified the policies that meet your needs, check and compare what’s included:

level of cover
waiting periods
excess
co-payments
limitations on claims
exclusions.

Check what’s included

Calculate your cheapest policy

Based on your health cover needs, search for the health insurance policy that offers you the cheapest premium.

Our healthslips.com.au Calculator reviews all 50,000+ policies from all health insurers to find you the cheapest premium for the policies that meet your needs.

Calculate your cheapest policy