Health insurance you deserve

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“I spoke with Mark who provided such insightful and honest information regarding private health care. He made the process so easy and was able to find me the best deal”

Caroline Sutton

health insurance comparison in australia

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Australian Dental Association

Why compare with Fair Health Care Alliance?

Private Health insurance should be simple.

Why do we need to compare different health insurance funds?

With over 40 health fund brands in Australia, how do you compare some of those funds quickly and efficiently to learn which one might be better for you? That’s where we come in. 

We can help you compare several health funds at once to take the pain out of contacting each fund individually – a process that can take days and causes many frustrated people to give up.

Our health advisers are health insurance experts who will help you review a well-suited policy to your needs. We will also educate you on your new policy so you know how to make it work harder for your pocket. 


Private Hospital Cover

Extras Cover

Ambulance Cover

Our Promise To You

Respect. Trust. Transparency.

No automatic phone dialer systems hassling your phone several times per day. Our health adviser will try to contact you directly with an opportunity for you to drive the next follow-up attempt via SMS or Email.  

Our advisors follow a philosophy built around trust and transparency. Our mantra is to treat each customer like we are giving advice to a close friend or family member. 

You Deserve To Be Heard

There’s only one You. Everyone covered by your policy has a unique set of health needs. We will help you compare private health insurance policies and choose one that better meets your private hospital and extras needs as an individual, couple, or family.

Not everyone needs pregnancy, hip replacements, or orthodontics covered – are you paying for things you don’t need?

What Our Clients Say

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Health Insurance FAQ

You don’t have to re-serve any waiting periods that have already been served when switching from another health insurance fund. Your new health fund will recognize what you are already covered for and waive the waiting periods if moving to an equivalent level of coverage on your new private hospital or extras policy. In short, anything you are covered for now port across. You may have to serve waiting periods if moving to a higher level of cover but only for the items that were not previously covered.

Private health insurance can benefit you in multiple ways. A private hospital product can cover you in a private hospital for in-patient services with your choice of private doctor, and help you avoid public waiting lists for the procedure. Hospital cover also helps you avoid the Medicare Levy Surcharge tax and accruing Lifetime Health Cover Loading (LHC). Extras cover can help cover the cost of health services generally not covered by Medicare like dental, optical, physiotherapy, chiropractic plus more.

Health insurance comparison is very important when selecting your new health insurance policy. It allows you to compare hundreds of products in the market at once. When you compare with Fair Health Care Alliance, an experienced health insurance advisor will take you through an analysis of your health needs to help match you to a great product. You should compare health insurance with Fair Health Care Alliance because we focus on value, increasing payouts on claims, and health fund reputation. It’s not all about what’s cheaper!

The best health insurance fund in Australia is determined by who is asking the question. Health insurance companies come in all different shapes and sizes with an array of numerous policies that suit different health needs across hospital and extras. Features that can determine the best health insurance are policy cost, rebates for the extras you use most, fund reputation with hospitals, and doctors and ambulance cover.

Lifetime Health Cover Loading (LHC) is a penalty that increases the cost of your private hospital cover. The penalty is accrued by 2% for every year you are over the age of 30 and have not held a hospital cover policy while residing in Australia. LHC stops accruing when you take out a policy and can be entirely reset back to 0% by holding continuous hospital cover for 10 years. Other factors can influence what your LHC loading could be.

There are close to 40 private health insurance funds in Australia, and most of them operate on a Not-For-Profit business model. However, the market is dominated by For-Profit health funds such as Medibank and BUPA, with around 54% of insured Australians being with one of the two. Does a bigger health insurance company make them perform better? The data would suggest not.

Freedom of choice means being a member of a private health insurance fund that pays claims and rebates fairly and without discrimination at any health provider in Australia. This means you retain the right to decide which doctor, dentist, physiotherapist, or chiropractor you attend for health treatment without being penalised because your chosen specialist is not a preferred provider with your health fund. It should always be your choice – this is what Fair Health Care Alliance is all about.

Fair Health Care Pty Ltd (ABN 86 622 966 303) give health insurance advice in partnership with the ItsMy Group Pty Ltd (ABN 85 167 289 965), and their co-operative of for-profit and not-for-profit health funds. All advice is provided within strict adherence to the Private Health Insurance Intermediaries Code of Conduct.

© 2022 Fair Health Care Pty Ltd – ABN 86 622 966 303