EXPOSED: 7 Tricks Your Health Fund Doesn’t Want You To Know
Article by Victor M
Last updated 16 January 2025
After 9 years in the industry, I’ve helped thousands of Aussies uncover hidden savings in their health insurance. Many were overspending without even realizing it—don’t let that be you.
Here are 7 insider tricks that have saved my clients hundreds—and even thousands—of dollars in less than a year.
1. Don’t Fall for the Fancy Names
“Top Plus,” “Advantage,” or my favorite, “Classic”—these names sound flashier than they are. Spoiler: they don’t guarantee great coverage.
Always read the fine print or let an expert decode the jargon for you (click here to book a call). Trust me, it’s easier than guessing what “Classic Advantage Plus” actually means.
2. Be Wary of the New Categories
“Silver Plus” sounds like a steal, right? Not so fast. One might cover Joint Replacements, while another doesn’t—same name, different game.
Don’t get duped. Let us check if your “Silver Plus” policy is actually pulling its weight (click here to book a call).
3. Ditch Your Old Policy
If your fund says your policy isn’t available anymore, translation: it’s outdated, overpriced, and underwhelming. Loyalty to these plans? Like sticking with dial-up internet.
Switch to something better—let us show you how (click here to book a call).
4. Stop Paying Big Gaps on Extras
If your $80 dental visit gets you a measly $25 back, your policy is failing you. Look for plans with 60%-80% returns on extras.
The best part? These policies don’t have to cost more. Want to find one? (Click here to book a call).
5. Reconsider That Low Hospital Excess
$0 hospital excess sounds good, until you realize it’s costing you $500+ a year in higher premiums.
Unless you’re a hospital regular (and we hope you’re not), a $500 or $750 excess often saves you more in the long run. We can find you smarter options (click here to book a call).
6. Don’t Let Them Get Away with Raising Your Premium Every Year
Every year, health funds quietly raise premiums while your coverage stays the same (or gets worse). It’s like paying extra for a flat tire.
Call your fund and ask for a better deal. If they won’t budge, we’ll help you find a new one (click here to book a call).
7. Take Advantage of New to Fund Promotions
Health funds love new customers and will shower you with goodies like 4 weeks free or waived waiting periods. Why not take them up on it?
Want to know which funds are offering promos this month? (Click here to book a call—it’s free).
How To Get Started:
Let’s face it—finding the right policy on your own is like navigating IKEA without a map. Save time and money by letting us handle it.
Step 1: Click Compare & Save.
Step 2: Complete the quick questionnaire.
Step 3: Receive better policy options straight to your inbox.
It’s fast, free, and could save you thousands. Let’s get started!