All Health Insurance Policies

Coverage Type: [All] [Hospital Only] [Extras Only] [Combined]

Hospital Tier: [All] [Gold] [Silver] [Bronze] [Basic] [☐ Include Plus variants]

Extras Level: [All] [Top] [Mid] [Basic]

Price Range: [Slider: $0 ──────── $300/week]

Excess: [All] [$0] [$250] [$500] [$750]

Insurer: [Dropdown: All insurers ▼]

Features: [☐ No co-payment] [☐ Hospital agreement] [☐ Ambulance included] [☐ Pregnancy covered]

Sort By: [Price ▼] [Insurer A-Z] [Coverage Level]

[Apply Filters] [Reset All]

Showing {{FILTERED_COUNT}} of {{TOTAL_POLICIES}} policies

Filter behaviour:

• Filters apply immediately (no page reload — AJAX/client-side)
• URL updates with filter state for shareable/bookmarkable URLs (e.g., /policies/?type=combined&tier=gold&max_price=100)
• "Showing X of Y policies" updates in real time
• Mobile: filters collapse into a slide-out panel with [Filters] button
• Profile changes trigger full price recalculation

Table columns (desktop): Insurer Policy Name Type Tier Premium/wk Excess Hospital Categories Extras Services [Compare]

Table columns (mobile — collapsed): Policy Type/Tier Price/wk [Details]

Row expansion (mobile): Tapping a row expands to show full details inline. Compare feature: Checkbox on each row. When 2–3 selected, sticky "Compare X Policies" bar appears at bottom → opens side-by-side comparison view. Pagination: 20 results per page, with infinite scroll option.

Query:

SELECT p.policy_id, i.insurer_name, i.insurer_logo,
       p.policy_name, p.coverage_type, p.hospital_tier,
       p.premium_weekly_after_rebate, p.excess_amount,
       p.hospital_category_count, p.extras_service_count,
       p.has_copayment, p.has_hospital_agreement,
       p.ambulance_included, p.pregnancy_covered
FROM policies p
JOIN insurers i ON p.insurer_id = i.id
WHERE p.state = {{PROFILE_STATE}}
  AND p.age_bracket = {{PROFILE_AGE_BRACKET}}
  AND p.cover_type = {{PROFILE_COVER_TYPE}}
  -- Dynamic filter conditions appended here
ORDER BY p.premium_weekly_after_rebate ASC
LIMIT 20 OFFSET {{PAGE_OFFSET}}

Disclaimer below table: Prices are indicative only, sourced from PrivateHealth.gov.au as at {{LAST_UPDATE_DATE}}. Premiums include the government rebate at the base tier (24.608%) and are calculated for {{PROFILE_LABEL}}. Actual premiums may vary. Always confirm pricing and coverage directly with the insurer before purchasing. We may receive a commission from some insurers.

Not sure where to start? Browse policies by the most popular categories:

By coverage type:

• Hospital Only Policies — {{HOSPITAL_ONLY_COUNT}} policies from {{MIN_HOSPITAL_PRICE}}/week
• Extras Only Policies — {{EXTRAS_ONLY_COUNT}} policies from {{MIN_EXTRAS_PRICE}}/week
• Combined Policies — {{COMBINED_COUNT}} policies from {{MIN_COMBINED_PRICE}}/week

By hospital tier:

• Gold Hospital Policies — All 38 categories covered, from {{MIN_GOLD_PRICE}}/week
• Silver Hospital Policies — ~26 categories, from {{MIN_SILVER_PRICE}}/week
• Bronze Hospital Policies — ~17 categories, from {{MIN_BRONZE_PRICE}}/week
• Basic Hospital Policies — Minimal coverage, from {{MIN_BASIC_PRICE}}/week

By life stage:

• Policies for Singles — From {{MIN_SINGLES_PRICE}}/week
• Policies for Couples — From {{MIN_COUPLES_PRICE}}/week
• Policies for Families — From {{MIN_FAMILIES_PRICE}}/week

Step 1: Set your profile Click [Personalise] to enter your age, location, cover type (single/couple/family), and income tier. This ensures all prices reflect your specific circumstances including the government rebate.

Step 2: Filter by what matters Use the filter panel to narrow results. Start with coverage type (hospital, extras, or combined), then refine by tier, price range, and features. If you know which insurer you prefer, filter by insurer name.

Step 3: Compare policies Select up to three policies using the compare checkbox. The side-by-side view shows exactly how they differ on coverage, pricing, excess, and features.

Step 4: View full details Click any policy name to view the complete policy page with detailed coverage breakdown, waiting periods, hospital agreements, and a link to the insurer's Product Disclosure Statement (PDS).