Compare the funds
shaping your health.
From the big names to smaller specialists — so your advisor can find the right fit, not just the most advertised one.
Every fund we compare, side by side
Browse all 26 Australian health funds we work with, with their 2026 rate rise and how they're structured. Open any fund to see its full profile — live policy counts, hospital and extras premium ranges, five years of rate rises, member performance from the Commonwealth Ombudsman report, private hospital agreements, and what the fund is typically strong or weak at.
Showing 26 of 26 funds
Industry average 2026 increase: +3.86%
+5.98%
2026 rate rise
AIA Health
Global insurer with a wellbeing-led Australian offer.
Not sure which one fits?
A Melbourne-based advisor compares them against your situation — same price as direct.
Bupa
Australia's largest international health insurer.
+4.80%
2026 rate rise
Medibank
ASX-listed; Australia's most recognised health brand.
+5.10%
2026 rate rise
HCF
Australia's largest not-for-profit health fund.
+4.96%
2026 rate rise
nib
ASX-listed insurer with a strong digital-first offer.
+5.47%
2026 rate rise
ahm
Medibank's lower-cost sister brand.
+5.10%
2026 rate rise
HBF
WA's largest not-for-profit fund, now national.
+2.15%
2026 rate rise
Australian Unity
Mutual fund with a wellbeing focus.
+3.98%
2026 rate rise
GMHBA
Not-for-profit fund based in Geelong.
+1.98%
2026 rate rise
Frank Health Insurance
GMHBA's online-only value brand.
+1.98%
2026 rate rise
Defence Health
Restricted fund for ADF and defence community.
+2.99%
2026 rate rise
Teachers Health
For the education community since 1954.
+3.94%
2026 rate rise
CBHS Health
For Commonwealth Bank Group employees and families.
+3.25%
2026 rate rise
%20!important;'/%3e%3c/svg%3e)
Westfund
Regional NSW not-for-profit fund.
+3.26%
2026 rate rise
St.LukesHealth
Tasmania's not-for-profit health fund.
+4.25%
2026 rate rise
Mildura Health Fund
Regional Victorian not-for-profit.
+4.25%
2026 rate rise
Phoenix Health Fund
Hunter Valley not-for-profit fund.
+2.95%
2026 rate rise
Health Partners
South Australia's largest open not-for-profit.
+3.94%
2026 rate rise
Latrobe Health Services
Gippsland-founded not-for-profit, national reach.
+4.53%
2026 rate rise
Doctors' Health Fund
Restricted fund for the medical community.
+3.67%
2026 rate rise
Police Health
Restricted fund for police and emergency services.
+2.53%
2026 rate rise
Navy Health
For Navy, ADF and defence-related members.
+2.88%
2026 rate rise
health.com.au
nib-owned, online-only value brand.
+5.47%
2026 rate rise
Queensland Country Health Fund
Regional QLD not-for-profit, member-owned.
Not published
2026 rate rise
Reserve Bank Health Society
Restricted fund for RBA and select financial employers.
+4.13%
2026 rate rise
%20--%3e%3csvg%20version='1.1'%20id='Layer_1'%20xmlns='http://www.w3.org/2000/svg'%20xmlns:xlink='http://www.w3.org/1999/xlink'%20x='0px'%20y='0px'%20viewBox='0%200%20595.3%2062.4'%20style='enable-background:new%200%200%20595.3%2062.4;'%20xml:space='preserve'%3e%3cstyle%20type='text/css'%3e%20.st0{fill:%23006EB7;}%20.st1{fill:%23C9D300;}%20%3c/style%3e%3cg%3e%3cg%3e%3cpath%20class='st0'%20d='M590.4,8.3c0,4.1-3.3,7.4-7.5,7.4c-4.2,0-7.5-3.3-7.5-7.4c0-4.1,3.3-7.3,7.5-7.3%20C587.1,0.9,590.4,4.2,590.4,8.3z%20M577.2,8.3c0,3.3,2.4,5.8,5.7,5.8c3.2,0,5.6-2.6,5.6-5.8c0-3.3-2.4-5.9-5.6-5.9%20S577.2,5,577.2,8.3z%20M581.7,12.1H580V4.8c0.7-0.1,1.6-0.2,2.8-0.2c1.4,0,2,0.2,2.5,0.5c0.4,0.3,0.7,0.9,0.7,1.6%20c0,0.8-0.6,1.4-1.5,1.7v0.1c0.7,0.3,1.1,0.8,1.3,1.8c0.2,1.1,0.4,1.6,0.5,1.8h-1.8c-0.2-0.3-0.4-0.9-0.6-1.8%20c-0.1-0.8-0.6-1.2-1.5-1.2h-0.8V12.1z%20M581.8,7.9h0.8c0.9,0,1.7-0.3,1.7-1.1c0-0.7-0.5-1.1-1.6-1.1c-0.4,0-0.8,0-0.9,0.1V7.9z'/%3e%3c/g%3e%3cpath%20class='st0'%20d='M33.8,18.6c13.2,0,22,6.6,18.9,21c-1.3,5.9-4.2,11.9-9.3,16.1c-4.1,3.3-9.6,5.8-17.9,5.8c-9,0-14.3-2.2-17.5-6%20C4.3,51,4.5,45,5.6,40C8.2,27.6,17.8,18.6,33.8,18.6z%20M21.2,49.7c1.1,3.1,3.8,3.2,5.2,3.2c6.6,0,9.4-7.2,10.6-12.8%20c1.5-7,1.1-12.9-5-12.9c-6.7,0-9.5,6.9-10.7,12.9C20.7,42.8,20.1,46.7,21.2,49.7z'/%3e%3cpath%20class='st0'%20d='M63.9,28.6l1.4-8.6h15.2l-1.2,6.2c2.5-3.1,6.6-7.1,15-7.1c14.8,0,12.4,11.3,11.3,16.9l-5.2,24.5H85.2l4.9-23.2%20c0.6-2.8,1.8-8.6-4.4-8.6c-6.8,0-8.3,7.1-8.6,8.6l-4.9,23.2H57.1L63.9,28.6z'/%3e%3cpath%20class='st0'%20d='M126.5,43.3c-0.5,2.2-2.1,9.8,5.7,9.8c4,0,7-2.1,8.2-5.9h14.1c-3.3,10.2-13.7,14.1-24.1,14.1%20c-14.1,0-20.2-7.1-17.4-20.5c2.9-13.6,11.4-22.4,26.3-22.4c11.3,0,15.6,4.6,17.1,10.3c1,3.5,0.7,7.3-0.8,14.4H126.5z%20M143,35%20c0.3-2.3,1.2-8.5-5.5-8.5c-6.6,0-8.6,6.5-9.1,8.5H143z'/%3e%3cpath%20class='st1'%20d='M166.7,29.1c0.2-1,1.4-8,1.6-9.2h15l-1.3,6.7c4-5.2,9.2-7.7,15.3-7.7c2.3,0,10,0.4,11.2,7.5%20c5.1-6.3,11.7-7.6,15.9-7.6c7.6,0,10.4,4,11.4,6.3c1.4,3.5,0.4,8.4-0.6,13.1l-4.7,22.2h-15.2l4.9-22.9c0.9-4.1,1.9-9-4.1-9%20c-2,0-4.4,0.7-6.4,3.4c-0.7,1-1.3,2.3-2,5.7l-4.8,22.8h-15.2l4.9-23.1c0.8-3.6,1.9-8.8-4.2-8.8c-5.2,0-7.4,4.3-8.3,8.8l-4.9,23.1%20H160L166.7,29.1z'/%3e%3cpath%20class='st1'%20d='M256.5,43.3c-0.5,2.2-2.1,9.8,5.7,9.8c4,0,7-2.1,8.2-5.9h14.1c-3.3,10.2-13.7,14.1-24.1,14.1%20c-14.1,0-20.2-7.1-17.4-20.5c2.9-13.6,11.4-22.4,26.3-22.4c11.3,0,15.6,4.6,17.1,10.3c1,3.5,0.7,7.3-0.8,14.4H256.5z%20M273,35%20c0.3-2.3,1.2-8.5-5.5-8.5c-6.6,0-8.6,6.5-9.1,8.5H273z'/%3e%3cpath%20class='st1'%20d='M346.1,2.2l-10.2,48.2c-0.7,3.4-1.3,6.7-1.7,10.1h-14.4l0.9-6c-2.1,2.3-6.2,6.9-15.2,6.9%20c-14,0-15.5-11.3-13.4-21.2c1.8-8.6,5-12.7,8.4-15.7c4.6-4,9.4-5.5,14.5-5.5c6.8,0,9.1,2.8,11.1,5.6L331,2.2H346.1z%20M323.1,40%20c1.4-6.8,0.4-12.1-4.9-12.1c-6.8,0-9.5,8.6-10.3,12.3c-0.8,3.9-1.8,12.2,4.9,12.2C318.3,52.5,321.6,47,323.1,40z'/%3e%3cpath%20class='st1'%20d='M353.1,19.9h15.2l-8.6,40.5h-15.2L353.1,19.9z%20M356.7,2.3h15.5l-2.3,10.8h-15.5L356.7,2.3z'/%3e%3cpath%20class='st0'%20d='M410.5,12.2c-0.6-0.2-2.1-0.5-4.1-0.5c-6.2,0-7.1,5-7.8,8.4h9.8l-2.1,9.8h-9.8l-6.5,30.5h-14.8l6.5-30.5h-7.8%20l2.1-9.8h8.1c1.8-9.7,3.8-18.2,19.7-18.2c4.1,0,7.2,0.3,8.9,0.5L410.5,12.2z'/%3e%3cpath%20class='st0'%20d='M430.5,19.9l-5,23.6c-0.5,2.3-1.7,7.9,4.4,7.9c6.4,0,7.6-5.8,8.1-8.1l5-23.5h15.2L451,53.4%20c-0.6,3.5-0.7,3.9-1.2,7h-14.9l1-6.3c-5.5,6.5-10.7,7-14.2,7c-14,0-12.7-10.7-11-18.4l4.9-22.8H430.5z'/%3e%3cpath%20class='st0'%20d='M467.4,28.6l1.4-8.6H484l-1.2,6.2c2.5-3.1,6.6-7.1,15-7.1c14.8,0,12.4,11.3,11.3,16.9l-5.2,24.5h-15.2%20l4.9-23.2c0.6-2.8,1.8-8.6-4.4-8.6c-6.8,0-8.3,7.1-8.6,8.6l-4.9,23.2h-15.1L467.4,28.6z'/%3e%3cpath%20class='st0'%20d='M570.3,2.2l-10.2,48.2c-0.7,3.4-1.3,6.7-1.7,10.1H544l0.9-6c-2.1,2.3-6.2,6.9-15.2,6.9%20c-14,0-15.5-11.3-13.4-21.2c1.8-8.6,5-12.7,8.4-15.7c4.6-4,9.4-5.5,14.5-5.5c6.8,0,9.1,2.8,11.2,5.6l4.8-22.5H570.3z%20M547.3,40%20c1.4-6.8,0.4-12.1-4.9-12.1c-6.8,0-9.5,8.6-10.3,12.3c-0.8,3.9-1.8,12.2,4.9,12.2C542.5,52.5,545.8,47,547.3,40z'/%3e%3c/g%3e%3c/svg%3e)
Onemedifund
Small open not-for-profit fund.
+2.96%
2026 rate rise
Fund names and logos are used neutrally for comparison. Comparify is independent and not owned by any health fund.
Ready to unlock better value health insurance?
Compare 14 funds with an advisor today. Free, friendly, and no pressure — just honest advice from a real human.