Guides, news and explainers from our Melbourne advisor team — no jargon, no upsell, no recycled press releases.
Joints and cataracts are Gold-only. Heart cover mostly isn't. Here's the honest tier decision for the procedures over-60s actually have — and the timing rule that catches people out.
Victor Mourad 7 min
"I'd love to switch, but at my age, with my knees, no fund would take me." We hear it every week — and it's wrong on every count. Here's what the law actually says.
Victor Mourad 8 min
On a fixed income, every premium dollar has to earn its place. Here's an honest look at when private cover pays off in retirement, when it doesn't, and the middle path most people miss.
Victor Mourad 8 min
From 1 April 2027, the extra rebate older Australians receive on private health insurance is being wound back. Around 3 million people aged 65+ could be affected. Here's a plain-English guide to what's changing, why, and what to do.
Victor Mourad 8 min
A couples health insurance policy isn't always cheaper than two singles. Here's an honest read on when each option wins — and how to decide.
Victor Mourad 7 min
Gold hospital cover includes everything — pregnancy and birth, IVF, joint replacements, weight-loss surgery, cataracts and more. Here's an honest read on what it costs and whether you actually need it.
Victor Mourad 8 min
Earn over $105,000 as a single (or $210,000 as a couple) and you'll pay 1–1.5% extra tax unless you hold hospital cover. Here's the cheapest legal way to dodge it.
Victor Mourad 5 min
For some people extras cover is one of the best-value insurance products on the market. For others it's a slow leak. Here's how to tell which one you are.
Victor Mourad 6 min
AIA is up 5.98%, HBF is up just 2.15%, and the industry average is 4.41%. Here's what every major fund is increasing premiums by from 1 April 2026.
Victor Mourad 8 min
Switching funds the right way takes about 15 minutes and keeps every waiting period you've already served. Here's the step-by-step.
Victor Mourad 6 min
April brings the rate rise, July brings extras limits resetting, and December is quieter than you'd think. Here's when switching actually pays off.
Victor Mourad 7 minCompare 14 Australian funds with someone who does this every day. Free, no obligation.
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