How We Get Paid
We believe you should know exactly how we make money — and why it doesn't affect the advice you receive.
What We Do
Let Us Check advisors work with you to understand your health cover needs, compare options from our panel of health funds, and recommend a policy that fits your situation and budget. The service is completely free to use.
How We're Paid
If you decide to take out a policy we recommend, Let Us Check receives a referral fee from the health fund. This fee is paid by the fund — not by you. It is typically a one-off payment made directly to us after your policy commences.
Does This Affect Your Premium?
No. Australian private health insurance is community rated under the Private Health Insurance Act 2007. This means every insurer must charge the same premium for the same policy, regardless of where you purchase it. Buying through Let Us Check costs you exactly the same as going direct to the fund. We have no ability to mark up premiums and we do not do so.
Do Our Agents Know the Fee?
No. Our agents are not told the specific fee amount associated with any individual policy or fund. This is a deliberate design choice. Because our agents don't know what we earn from each option, they have no financial incentive to favour one fund over another. Their recommendation is based entirely on your needs.
What This Means for You
- You pay the same premium as going direct
- Our agents have no reason to push a particular fund
- You receive independent, needs-based advice
- There are no hidden fees or charges from us
- The fund pays us — after you're covered
Our Panel of Funds
We compare plans from health funds on our approved panel. Not all Australian health funds are on our panel — we are always transparent about which funds are included in any comparison we provide, including the total number of funds available to us at the time of your comparison. We are continuing to grow our panel as we formalise distribution agreements with additional funds.
Higher Commission Disclosure
If you ask us whether a particular fund or policy pays us a higher commission or fee than others we are comparing, we will tell you honestly. You are entitled to ask this question at any time and we will answer it openly. Our recommendation is always based on your needs — not on what we earn.
Have a question about how we work?
Email luke@letuscheck.com.au — we're happy to explain in plain English.