Save on your health insurance

Save on your health insurance

Health insurance is complex. We’ll help you see if you can save money. 

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  • 100% free for you
  • No obligation

For people who want a simpler way to compare health cover. A comparison expert helps you search for savings.

For people who want a simpler way to compare health cover. A comparison expert helps you search for savings.

Health Insurance Watch (HIW) is a brand owned by Compare The Market Pty Ltd ABN: 83 117 323 378. Comparisons are provided by Compare The Market Pty Ltd from its range of participating brands and not all policies or special offers are available to all customers, and some may only be available over the phone or via the Compare The Market or HIW website. Learn more.

Why Health Insurance Watch

We help you compare what matters most to you: budget, hospital cover, extras, flexibility, and overall value.

Guided support

Speak with a comparison expert who can help narrow down options that may suit your needs.

Clear explanations

We help simplify confusing terms, from excess levels to waiting periods, so you can better understand what you’re considering.

Options matched to your situation

Whether you’re single, a couple, a family, or reviewing cover after a life change, we help point you toward options worth considering.

Why people use Health Insurance Watch

Save time

Start with a quick form instead of researching policies on your own.

Get clarity

Speak with someone who can help explain the details and help you narrow down suitable options.

Stay in control

Learn more about your options first, then decide what to do next without feeling rushed.

Helpful when things change

If your premium has gone up or your needs have changed, it may be a good time to review your cover with expert guidance.

Paying too much for health insurance?

Step 1: Select your current health fund below.

Medibank Bupa HCF NIB HBF Australian Unity Teachers Health GMHBA Defence Health CBHS Other Don’t have

The funds displayed are for the top 10 largest health funds by market share in Australia as of April 2026.

Step 2: Compare from a range of funds when you answer a few basic questions.

How it works

1

Tell us a few basics

Answer a few quick questions about who needs cover and the type of policy you’re looking for.

2

A comparison expert reviews your details

Once you’ve shared the basics, a comparison expert can assess your needs and prepare options that may be relevant to your situation.

3

Talk through your options

A comparison expert will reach out to explain potential options, answer questions, and help you decide on next steps if and when you’re ready.

Get a quote now

What you can compare

Your comparison expert can help you review hospital cover, extras cover, or combined policies, with features that may include:

  • Premiums and excess options
  • Included hospital treatments
  • Extras such as dental, optical, physio and chiro
  • Waiting periods and switching considerations
  • Introductory offers and sign-up considerations

See current deals and better-value options

Some policies may include special offers for eligible new members, such as:

Waived waiting periods
Waived waiting periods
Weeks free of coverage with hospital or combined
Weeks free of coverage with hospital or combined
Gift cards, Donations & Cashback offers
Gift cards, Donations & Cashback offers

A comparison expert can help identify relevant offers while keeping the bigger picture in view: cover, value, and suitability for your needs. 

Get a quote now

Switching is easy

1

No exit fees

When you switch you won't pay fees for doing so. You're free to switch your cover or fund at anytime.

2

Keep covered, gap-free

When switching to the same type of cover, your new fund usually cancels your old policy automatically – so you stay protected the whole time.

3

Switching to the same level of cover?

As long as you switch to an equal or lower level of cover, any waiting periods you’ve already served carry over.

Health Insurance is complicated.
Getting help shouldn’t be.

Fill out a short form and get quick support to help you search for savings.

Get a quote now
Your information is safe and secure

Frequently asked questions

How long does it take to get started?

Usually just a few minutes to answer some basic questions before a comparison expert gets in touch.

Does it cost anything to use?

Getting started is free for you. And if you currently have health insurance you could potentially save money by switching!

Do I need to switch today?

No. You can learn about your options first and decide when you’re ready.

Can I use this if I already have cover?

Yes. Many people get started when their premium changes, their life stage changes, or they want help reviewing whether their cover still suits their needs.