Better health cover.
Compare for free.

We compare your current cover against HCF's plans with no pressure — you see how they stack up, and you decide. More funds are being added to our panel.

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Always Free

We earn a commission from the fund you choose, paid by them — not you. The premium you pay through us is identical to going direct. By law. No exceptions.

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Expert Guidance

Private health insurance is complicated. LHC loading, rebate tiers, excess levels, waiting periods — our specialists explain it clearly and help you choose with confidence.

How It Works

Three steps to better cover.

From first question to new policy in as little as 20 minutes.

We have a conversation

We get to know your situation — current cover, health needs, income, and what matters to you. We gather everything we need to do the job properly.

We compare and recommend

We calculate your real price including LHC loading and government rebate, benchmark your current plan, and recommend the best fit from our panel.

We handle everything

We walk you through the plan, answer every question, then manage the entire application on your behalf. You just say yes — we do the rest.

See the full process →

0%Free — no cost to you, ever

$0Cost to you, ever

0Hospital tiers compared

Common Questions

Got questions? Here are the answers.

Everything you need to know about how we work — and how health insurance actually works.

Is your service really free?

Yes — completely free. We earn a commission from the health fund when you take out a policy through us. The premium you pay is exactly the same as going direct to the fund. Our fee comes from the fund, not from you.

Are you tied to any particular health fund?

We currently partner with HCF. We compare your existing health cover against HCF's plans so you can see how they stack up. As we add more funds to our panel, we'll compare across all of them.

Will I get a better deal going direct to a fund?

By law, health funds must offer the same price regardless of how you buy. There's no discount for going direct. What you get with us is a comparison of your current cover against HCF's plans and expert guidance — all free.

What is the LHC loading and does it affect me?

Lifetime Health Cover (LHC) loading is a government surcharge of 2% per year you delay taking out hospital cover after turning 31. If you're over 31 and don't have cover, it pays to compare sooner. Our tool calculates your loading automatically.

Do you compare all health funds?

No. We currently compare your cover against HCF's plans — HCF is the only fund we hold a distribution agreement with. Not all funds operating in Australia, or all products, are compared. We will add more funds to our panel as agreements are finalised.

What happens after I get a quote?

One of our agents reviews your quote with you, answers questions, and guides you through the application. We handle the paperwork with the fund. Once approved, you'll receive your welcome pack directly from the fund.

Important: Let Us Check compares plans from health funds with whom we hold distribution agreements. We do not compare all health funds operating in Australia, and we do not compare all products of the funds that we do include. Our approved fund panel will be published here as agreements are finalised. This comparison is general information only — consider whether any product is right for your circumstances before purchasing.

Better health cover.Compare for free.

Australia's health insurance comparison service.

Needs-Based Comparison