From first call to covered — in six steps.
Clear, fast, and completely free. Here's exactly what happens.
We get to know your situation
One of our specialists has a conversation with you to understand exactly what you need. We ask about your age, income, health priorities, current cover, and what matters most to you. Everything we need to do the job properly.
We calculate your real price
Using the information you've provided, our system calculates your LHC loading, government rebate tier, and the actual out-of-pocket premium you'll pay. No sticker prices — just what it will actually cost you.
We compare your current plan
We benchmark your existing cover against the plans available on our panel. You see exactly how your current policy stacks up — what you're getting, what you're missing, and whether you're paying too much for it.
We recommend the right plan
Based on everything we've learned, we identify the plan that best fits your needs and budget. We present our recommendation clearly — no pressure, just a straightforward explanation of why this plan works for you.
We walk you through it
We take you through the recommended plan line by line — what's covered, what's not, your excess, waiting periods, and how to claim. We answer every question until you're completely comfortable and confident.
We handle the paperwork
Once you're happy, we manage the entire application on your behalf. We complete the forms, submit to the fund, and arrange your start date. If you're switching, we notify your old fund so your cover is continuous.
All four tiers explained.
Australian hospital cover is regulated into four tiers. We compare all of them.
Minimum hospital cover. Limited clinical categories, often restricted.
Covers more categories including common procedures. A step up from basic.
Mid-range with most clinical categories. Good balance for most families.
Top-level cover. All clinical categories, no restrictions. Full peace of mind.