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Dear Jack,

You probably don’t want to think about illness or death until something happens to you.

And who can blame you? You’ve got way too much actual living to do! There’s no time to worry about that old chestnut…that old chestnut being the fact that you’re not invincible.

Or is there?
An important part of living your best life is preparing intelligently for the future. And if you can’t be a superhero forever in health, why not be a superhero to your family—or future family—and protect yourself while premiums are still as ripe as you are?

Lock in cheaper premiums:

Here’s How You Do It: Step 1: Select your current age below. Step 2: Once you answer a few questions, you will have the opportunity to compare quotes from up to 13 of Australia’s largest insurers. You may also be entitled to a free consultation.
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If you want to make sure a future partnership or family you create with someone is financially protected in the case of your unexpected death or illness, the message is loud and clear:

Putting off life insurance could be a massive mistake.

But what’s more…

If you know you would need financial assistance should a major health event ever strike, such as terminal illness or serious injury, then putting off life insurance could be an even bigger mistake.

Life insurance is normally a lot cheaper (and more comprehensive— meaning less exclusions) when you are young and healthy. This means that as you grow older, your family and your ability to receive financial assistance for certain illnesses in the future, is already protected.

You may not have kids or a house yet…but is it a goal you’re shooting for in the future? If the answer is ‘yes’, locking in level premiums now means getting a far better price than you’ll ever be able to in the future.

If you stay with the same cover, you generally won’t need to redo a health and lifestyle assessment. This is another reason why premiums stay cheap if you lock them in while young, no matter how your policy is structured.

If you’ve got a life insurance policy that covers major illness or injury, you can claim on this and get paid out should you receive a serious diagnosis or get into an accident.

There are cover types that protect you for these sorts of events, including trauma cover and income protection. To find out what you could be covered for, compare life insurance policies now.

If you’re thinking of buying a house, having kids in the future, or simply want to protect yourself from any large medical expenses that could quite possibly arise, apply for life cover now and get the chance to lock in the cheapest possible premiums for the long term within a level structure.

It’s easy to tell your family to “have no fear”, that is until you’re no longer here… The reality is—things happen to the best of us…but only you get to decide whether or not you acknowledge this reality. Don’t wait until it’s too late. Get in while you’re fit and young!

Take the first step to protecting yourself and your family by clicking on your state below.

Hi Jack,

Did you know most private health insurance funds have postponed their annual premium increase until at least 1 October 2020?

It's never been more important for you and your family to have reliable health insurance. With the price freeze in place, it's the perfect opportunity to review your cover and find out if you could do better.

Health insurance can be complicated - so Health Insurance Comparison is here to do the heavy lifting for you. They help you filter through policies to find the one that ticks all your boxes, to ensure you're getting higher benefits on the services you use and you're not paying for the ones you don't.

By comparing with Health Insurance Comparison, Australians were able to save an average of $380.79 on their yearly premiums last year alone, and families with health insurance were able to save $600.31.*

It only takes a few short steps to find a better deal on your health insurance:

Choose your life stage. I'm looking at health cover for.

Health Insurance Comparison doesn't charge a fee for their service and all policies available to compare have no lock-in contracts.

Still concerned about switching? Here's a few things to remember:

	Switching health funds is free! They don't charge a fee or mark up policy costs - all prices come direct from the insurers
	Your adviser will deal with the policy transfer process from start to finish and help with paperwork
	There's no need to re-serve waiting periods when switching to an equal or lower level of health cover
	All policies come with a no questions asked, money back "cooling off" period of 30 days if you change your mind - provided you don't make a claim in this time
	If you switch through Health Insurance Comparison, the team is available on an ongoing basis to answer any questions you may have

With Health Insurance Comparison, you can be sure you're dealing with trusted advisers based in Australia. They have won Word of Mouth customer service awards for 7 years in a row, for their commitment to providing a seamless customer experience.

Health Insurance Comparison is still working to help thousands of Australians just like you save on their health insurance. Get in touch via phone or live chat today to find out more.

It's time to explore your health insurance options before the annual premium increase kicks in. Compare today and start saving!

*Based on average customer savings in 2019

What's the deal with health insurance price hikes in 2020 and 2021?

Hi Jack,

Your bank balance just got more painful. And it's not ending there. Many Australians are about to experience a double whammy of health insurance price increases.

That's right, premiums recently went up by an average of 2.92%^, and to make matters worse they're due to go up again in April of 2021!

That's potentially a massive price hike for the average policy holder at a time when making every cent count is more important than ever to struggling Aussies.

The good news? It's not too late to push your premiums back down.

Even if you didn't get round to switching and saving before October's recent rate rise, you can still cut your premiums and beat the health funds at their own game.

It only takes a few minutes to compare policies with Health Insurance Comparison. After that, let our specialists do the hard work and look for a better value policy that costs less from our panel of trusted health funds.

Last year, we saved our customers an average of $380.79* when they switched cover. That's a decent sum back in your wallet.

How does that stack up against your health fund's recent increase?

Well, check how much your health fund has just increased premiums by, using our health insurance rate rise calculator. Go on, we'll wait.

Welcome back.

Done a quick calculation and not pleased with your result? We don't blame you. Fortunately, your finances don't have to take an extra hit.

That doesn't mean cancelling your private health insurance or increasing your waiting periods for elective surgeries or out-of-pocket expenses for things like dentist visits.

It does mean keeping your private health insurance, by switching to a better deal. All you need to do is compare providers and switch... this where we step in..

We'll help you move to a cheaper equivalent policy and ensure you won't have to serve any new waiting periods. That should put a smile back on your face.

Our team of experts will help you find the best health insurance deal for you, they even take care of the process and paperwork.

So don't let your health fund hit you with another price hike. Take the power back and compare with Health Insurance Comparison to find a better deal on your health cover.

Compare Club Australia Pty Ltd ABN 29 634 600 007 of 222 Pitt Street Sydney (Ph: 1300 904 624) owns and operates HealthInsuranceComparison.com.au and its associated website. You are receiving this message because you have given authorisation to receive marketing material and communication from the Publisher of this communication. The Publisher has agreed to promote Compare Club's products and services and any information that you may require should be directed to the sender of this communication.

^Average annual fund increases provided by Department of Health. *Based on 20,400 customers in 2019.