The Real Cost of Loyalty: Australians Losing Hundreds by Staying Put
Year after year, premiums creep up while value stays the same. Discover how a quick comparison could put money back in your pocket.
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Feeling the pinch as your health insurance premiums keep climbing? If you've been with the same fund for years and haven't seen any new benefits, you're far from alone. While rates have risen nationwide, smart shoppers are uncovering genuine value – when they know where to look.
The Loyalty Tax: By the Numbers
Average annual saving when customers switch
Australians who saved by comparing
Of policyholders haven't switched in 5+ years
Monthly premiums starting from for basic cover
Your Roadmap to Fairer Premiums
Pick your life stage below. Tell us where you're at – single, couple, family, or over 50.
Fine-tune your cover options. You'll then compare offers from multiple health funds side by side.
Paying Too Much? See How Much You Could Save
Australia: we saved our average customer $304* annually. Select your current fund to explore savings.
*Average saving of $303.94 based on 238,768 customers between Jan 2015 – September 2024
Staying loyal can be expensive. Many Australians hold onto the same policy for a decade or more, often paying for extras they never use. Pregnancy cover when you're not planning kids? Top-tier hospital for services you'll likely never claim? That's money walking out the door.
Our service flips the script. We listen to what you actually need – fewer exclusions, higher rebates on dental or physio, or simply a lower monthly premium. Then we compare across our panel to find a smarter fit.
Extras cover is another area ripe for trimming. Some policies offer generous optical benefits but stingy physio limits, while others are the opposite. By aligning your cover with your habits, the yearly savings can easily reach hundreds of dollars.
Did You Know?
Health funds routinely offer their best deals to new members while quietly increasing premiums for existing ones. This practice — known as the "loyalty penalty" — means your rates could be hundreds above what a new customer pays for identical cover. The good news? Switching is seamless, and you won't lose any waiting periods you've already served.
What Our Customers Say
"I'd been with the same fund for 12 years without a second thought. After comparing, I switched and saved $360 annually – plus my dental cover actually pays for my check-ups now. Wish I'd done it sooner!"
"Honestly, I was sceptical at first. But the whole switch took maybe 20 minutes and I'm now paying $42 less each month for better extras. My physio visits actually get a proper rebate now. Feels good."
Questions You Might Be Pondering
Will I lose my current waiting periods if I switch?
No. By law, if you switch to an equivalent or lower level of cover, your existing waiting periods are carried over. You won't need to re-serve them.
Is the comparison service actually free?
Yes — completely free. We're paid a commission by the health funds when someone chooses to switch. You'll never be charged anything.
Can I switch if I have a pre-existing condition?
Absolutely. Health insurance in Australia is community-rated, meaning funds can't refuse you or charge you more based on your health history.
How long does the comparison process take?
Most people complete the initial comparison in under 3 minutes. From there, an adviser can finalise a switch in as little as one phone call.
Where Are You Based?
Select your state to see available policies in your region.
It's Time to Break the Loyalty Loop
Ready to see what your loyalty has been costing you? Click below to compare and start saving.
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