Are you paying for Gold Cover you don't need?
Is Gold hospital cover the biggest health insurance furphy? Find out if you’re overpaying for Gold tier hospital cover, when you don’t really need it.
Top tier health cover isn’t always top tier value. Reviewing your health cover can put $$$ back back in your pocket.
Paying too much?
Australia: We saved our customers $295* on average on their annual premium! Select your health fund and see how much you could save!
*$295 based on 239,107 sold over the past 10 years (From 2015 to 2024)
There’s no need to overpay for Gold health cover.
If you’ve got Gold health insurance, you’ve got “top tier” hospital cover, right? Well, if by top tier you mean the most needlessly expensive cover, then yes, your cover is probably a top tier waste of money.
The reality is the majority of gold level hospital items can be found on better value Silver Plus policies specifically designed for parents-to-be or retirees. After all, you don’t want to be paying for joint replacements and pregnancy at the same time?
The best value health insurance covers what you need - without making you pay for what you don’t.
Here's How You Do It:
Step 1: Select your current life stage below.
Step 2: Once you select your preferred coverage options, you will have the opportunity to compare quotes from multiple health funds.
How can you save?
Gold tier hospital cover is typically the most expensive cover, and if you’re done with birthing suites, don’t see yourself needing weight loss surgery, or inpatient psychiatric care over the next couple of years, you don’t need to shell out for those top dollar premiums.
How do we know?
Compare Club has saved Australians an average $295 over the past five years when they’ve switched health cover through us.*
Finding the policy tier that better fits your health needs is what we do#.
Find out how much we can save you today.
Get Started Now:
Step 1: Select your state below.
Step 2: After answering a few questions, you will have the opportunity to compare quotes in your area and could be eligible for significant savings.
*$295 based on 239,107 sold over the past 10 years (From 2015 to 2024)
** The premiums quoted are accurate as of 29 April 2026 for a single 70yo in NSW with hospital cover only and no extras cover, assuming the full government rebate is claimed and no Lifetime Health Cover loading applies. Premiums may vary in other states.
^Health Insurance Comparison compares selected products from a panel of trusted insurers. We do not compare all products in the market.
