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Choosing the right insurance isn’t just about finding the lowest premium. A cheaper policy may leave you underinsured when you actually need to make a claim

Carefully review each policy’s Product Disclosure Statement (PDS). Pay attention to waiting periods, claim limits, and any conditions that could affect your coverage

Research how providers handle claims. Insurers who delay payments or make claiming difficult can add stress when you need support most

Look at similar coverage levels, excess amounts, and policy features. A lower premium might mean less protection, which could leave you out of pocket when things go wrong

ManageHub helps you compare policies side by side, so you can see exactly what’s covered, find the right level of protection, and choose a policy that fits your needs — all in one place

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Choosing the Right Insurance Provider

Australia has dozens of insurance providers — from big-name brands to specialist insurers and modern digital-only companies. Each offers different benefits depending on what you need

Large, established insurers often make life easier if you want to manage multiple policies in one place. Many offer multi-policy discounts, strong claims support, and the reassurance of long-standing experience

Smaller or specialist providers can be great if you have unique needs. Some focus on specific age groups, vehicle types, health situations, or lifestyle profiles and may offer more competitive pricing for those customers

Instead of searching everywhere, ManageHub lets you easily compare policies, providers, prices, and benefits in one place — so you can choose confidently, knowing you’re getting the right cover for your situation

FAQ

Common Insurance Questions

Why should I consider private health insurance in Australia?

While Medicare covers essential healthcare, private health insurance provides additional benefits including shorter wait times for elective procedures, choice of doctor and hospital, and coverage for extras like dental and optical. High income earners may also avoid the Medicare Levy Surcharge by holding appropriate hospital cover.

What factors influence my car insurance premium?

Multiple factors affect your premium including driving history and age, vehicle make, model and year, where you live and park overnight, chosen excess amount, and any named drivers on the policy. Drivers under 25 and those in high-theft areas typically face higher premiums.

How much home and contents cover do I actually need?

Home insurance should cover the full rebuild cost of your property, not its market value. For contents, create a detailed inventory of belongings and estimate replacement costs. Many insurers provide calculators, but thoroughness prevents being underinsured when you need to claim.

When is the right time to review my insurance policies?

Review annually at renewal time and when major life events occur. Marriage, children, new vehicles, home renovations or career changes all affect your insurance requirements. Regular reviews ensure you’re not overpaying for unnecessary cover or missing protection you need.

What’s the difference between excess and premium?

Your premium is the regular payment (monthly or annually) to maintain active coverage. The excess is your out-of-pocket contribution when claiming. Higher excess typically means lower premiums, but ensure you can afford the excess if you need to claim.

Can bundling multiple policies save me money?

Many insurers offer multi-policy discounts when combining products like home and car insurance. However, always compare bundled pricing against individual policies from different providers. The cheapest overall option isn’t always a bundle from one insurer.

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Compare health insurance from Australia’s leading providers and find cover that suits your needs and budget.

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