# Comparify

> Independent Australian private health insurance comparison. We compare 14 funds with a real Melbourne-based advisor — same price as joining direct, no markup, PHII Code member.

## Pages

- [Home](/): Compare 14 Aussie health funds with a real advisor.
- [Compare health insurance](/compare-health-insurance): Side-by-side fund comparison with an expert advisor.
- [Health insurance](/health-insurance): Hospital, extras and combined cover across 14 Australian funds.
- [Hospital cover](/hospital-cover): All 38 clinical categories compared across Basic, Bronze, Silver and Gold.
- [Basic hospital cover](/basic-hospital-cover): What Basic does (and doesn't) include; MLS and LHC.
- [Bronze hospital cover](/bronze-hospital-cover): 21 categories — the everyday admissions.
- [Silver hospital cover](/silver-hospital-cover): Heart, lung, spine and dental surgery; Silver Plus.
- [Gold hospital cover](/gold-hospital-cover): All 38 categories — pregnancy, joints, cataracts.
- [Extras cover](/extras-cover): Dental, optical, physio and more — how extras work.
- [Health insurance explained](/health-insurance-explained): Plain-English explainers and guides.
- [Funds](/funds): Profiles of the 14 funds we compare.
- [Over 60s cover](/over-60s-health-insurance): Gold and Silver Plus cover for over 60s, rebate tiers and waiting periods.
- [Young singles & couples](/young-singles-couples-health-insurance): LHC loading, MLS, and singles vs couples pricing.
- [Growing families](/growing-families-health-insurance): Pregnancy cover, newborn enrolment and kids' extras.
- [Established families](/established-families-health-insurance): Orthodontics, teens and dependants to 31.

- [Pregnancy cover](/health-insurance-for-pregnancy): Beat the 12-month pregnancy waiting period.
- [Switch funds](/switch-health-insurance): Keep your waiting periods when switching.
- [Medicare Levy Surcharge](/medicare-levy-surcharge): When hospital cover saves you tax.
- [Government rebate](/health-insurance-rebate): 2026–27 rebate rates, income tiers and age step-ups.
- [Lifetime Health Cover loading](/lifetime-health-cover-loading): The 2% a year rule, the 70% cap and the 10-year sunset.
- [Price rise 2026](/price-rise-2026): Fund-by-fund April 2026 premium increases.
- [How it works](/how-it-works): Quote, compare, switch — three steps.
- [About](/about): Why Karl and Victor founded Comparify.
- [Blog](/blog): Articles and guides on Australian health cover.

## Optional

- [Privacy](/privacy): Privacy policy.
- [Terms](/terms): Terms of service.