Which state or territory do you live in?

Ambulance costs vary dramatically by state — this changes your recommendation significantly.

Please select your state to continue.

Who needs to be covered?

Family policies cover dependent children up to approximately age 25 (varies by insurer).

Please select who needs cover to continue.

What is your annual income?

Used to assess your Medicare Levy Surcharge position. For couples and families, use your combined household income.

Please select your income bracket to continue.

What private health insurance do you currently have?

Be accurate — your current cover status shapes whether waiting periods and LHC loading apply.

Please select your current status to continue.

Which health services do you use or expect to need?

Select all that apply. This determines which clinical categories must be on your policy. You can skip if unsure.

Any major plans in the next 2 years?

Waiting periods mean you need to plan ahead — especially for pregnancy, which has a 12-month waiting period.

Please select an option to continue.

Which extras benefits matter to you?

Extras cover dental, optical, physio, and more — separate from hospital cover. Select all that apply, or skip if extras aren't a priority.

What's your annual budget for health insurance?

This is for combined hospital and extras. The government rebate reduces your effective cost — your actual out-of-pocket will be lower.

Please select your budget to continue.

What matters most to you?

This shapes the emphasis of your recommendation.

Please select an option to get your recommendation.