Stop Guessing Your Health Cover. Compare & Save Today.
Hospital and extras policies change every single year. As a dedicated private health insurance comparison broker in Australia, we help you avoid paying for cover and extras you may not need.
Honest Advice from Trusted Insurance Specialists
Every year, millions of Australians watch their health premiums creep upward while their actual benefits stay exactly the same or worse, shrink. Navigating gold, silver, and bronze tiers alongside varying extras percentages can feel incredibly overwhelming.
That is where Compare Today comes in. We act as a private health insurance comparison broker helping Australians compare suitable cover options. Instead of spending hours visiting dozens of different fund websites and dealing with pushy sales tactics, we do the research and comparison work for you. Our team breaks down complex policies into straightforward choices, ensuring your medical coverage perfectly matches both your lifestyle requirements and your household budget.
Understanding Your Hospital Cover Tiers
When you compare private health insurance plans, you will generally choose from four government-regulated tiers. Here is a realistic look at what they typically focus on:
| Hospital Tier | What It Typically Covers | Who It Is Generally For |
|---|---|---|
| Basic | Limited treatments; primarily used to avoid the Medicare Levy Surcharge. | Young, healthy individuals on a strict budget. |
| Bronze | Core treatments like bone, joint, and muscle surgeries, plus basic ear, nose, and throat procedures. | Individuals wanting peace of mind for common accidents. |
| Silver | Broad cover including heart-related surgeries, lung conditions, and medically necessary procedures. | Growing families and individuals planning ahead for mid-life care. |
| Gold | Unrestricted clinical coverage, including joint replacements, cataracts, and pregnancy and birth services. | People planning a family or seeking comprehensive medical security. |
Why Choose Compare Today as Your Health Insurance Broker?
100% Free To Use
Our health insurance comparison service doesn’t cost you a single cent. The policy rates we find are identical to the prices you would receive going directly to the funds yourself—meaning you get expert advice with zero added markup.
Continuous Protection
Worried about waiting periods? Don’t be. In many cases, waiting periods already served can be recognised when switching to an equivalent level of cover. Our team can explain how this applies to your situation and assist with the transfer process. We handle the paperwork to ensure your protection is seamless.
Total Utility Optimization
We don’t stop at health care. Compare Today also operates as a comprehensive utility comparison broker. Once your medical policy is optimized, our team can quickly audit your electricity packages, gas options, and broadband plans to help maximize your total monthly savings.
Simple 4-Step Process Flow
Leave Your Details
Step 1
Share your contact information for a fast, no-obligation call-back from one of our experts.
Choose a Plan
Step 2
We make switching to a better health insurance policy simple, quick and stress-free. If you'd also like help comparing electricity, gas, solar, or broadband plans, we can assist with that too.
Compare with Confidence
Step 3
A dedicated Expert will walk through your options, clearly explain the best available offers, and confirm the savings that you can secure. The comparison takes less than 10 minutes. It's simple, transparent, and tailored to your needs.
Switch & Start Saving
Step 4
Find a better deal and we'll switch you instantly. Just answer a few quick questions and we'll handle the rest. No hassle, no hidden fees.
Frequently Asked Questions (FAQ)
What is the benefit of using a private health insurance comparison broker in Australia?
Going directly to a single fund means you only see their specific products. A broker helps you compare multiple health insurance options, identify unnecessary extras, and find cover that better suits your needs and budget.
Can I switch plans at any time of the year?
Yes, absolutely. You are never locked into a health insurance contract in Australia. If you find a policy that offers better value or cheaper premiums, you can switch immediately and receive a pro-rata refund for any premium you paid in advance to your previous fund.
Will my premium change if I use Compare Today instead of going direct?
Not at all. Health insurance premium increases are subject to government approval. In most cases, you’ll pay the same insurer premium whether you join directly or through our comparison service.
Can you help me compare electricity plans during the same conversation?
Yes! We help Australians compare essential household services and identify opportunities to reduce ongoing expenses. Just let your consultant know that you would also like to compare electricity plans or home internet options, and we can look into your energy bills at the exact same time.