The cover you've paid into for decades should still be the right one
After 60, the procedures that matter most sit at the top of the tier table — and the rebate you receive changes twice. We compare 14 funds, keep every waiting period you've already served, and tell you plainly when your current policy is still the best one.
- Joint replacement, cataracts and dialysis checked tier by tier
- Waiting periods you've served carry across, by law
- We confirm your hospital and specialist before you move
- A real advisor on the phone — no call centre script
- No markup · 14 funds compared · PHII Code member
What changes after 60 — and what doesn't
Two things genuinely change
The first is the government rebate: it steps up at 65 and again at 70, which reduces what you pay for exactly the same policy. The second is which procedures you're statistically likely to need — and those sit almost entirely in the Gold and Silver Plus bands.
What doesn't change is your right to cover
Health insurance in Australia is community rated. No fund can price you differently, exclude you, or turn you away because of your age or your health history. That protection is the reason switching is far less risky than most people over 60 assume.
The one thing worth checking today
Gold, Silver Plus, or stay where you are
There are only three honest answers after 60, and the right one depends on what you want protected rather than what's cheapest on the page.
- 01
Gold hospital
The only tier legally required to cover every clinical category, including joint replacements, cataract surgery, dialysis and weight-loss surgery. If a knee or hip is on the horizon, this is the tier that protects you without an argument.
- 02
Silver Plus hospital
Adds categories on top of the standard Silver minimums — some include joint replacements or cataracts while sitting well below Gold on price. The most under-used option for people over 60.
- 03
Staying exactly where you are
A long-held policy with a grandfathered benefit, a hospital agreement you rely on, or a specialist with a no-gap arrangement can be worth more than a lower premium.
- 04
Extras, judged on last year
If your dental, optical and physio claims came to less than the extras premium, a leaner policy is the right call. We show you the numbers rather than talk you into a bundle.
What it typically costs
Premiums vary by state, rebate tier and excess, so the only figure that means anything is yours.
- Gold hospital cover for a single over 60. After the age-70 base-tier rebate of 32.2% (2026–27).
Switching without losing what you've built up
- Waiting periods you've already served must be recognised by your new fund for anything covered at the same or a lower level.
- You only re-serve a waiting period on a genuine upgrade — 12 months for pre-existing conditions on newly added categories, two months for most others.
- Your Lifetime Health Cover status travels with you. Switching never resets or increases it.
- Extras limits reset on the new policy's cycle, so timing a switch after a big dental or optical claim is worth a moment's thought.
- We confirm your private hospital is in the new fund's agreement network before anything is signed.
Advice from someone who does this all day
Every comparison is walked through by a Comparify advisor. They'll tell you when a cheaper policy is a worse policy, and they're not paid more for putting you with one fund over another.
Three simple steps to better value health cover
No call-centre runaround, no pushy sales. Just clear comparisons and an expert by your side from start to switch.
- Step 1
Tell us a little about you
Two minutes. A few quick questions about who needs cover, what matters, and what you currently pay.
- Step 2
An experienced advisor compares 800 policies from 30 brands
We do the legwork — matching the right policy to your needs and budget, not the one paying the highest commission.
- Step 3
We walk you through and switch you over
Clear options, no jargon. If you decide to switch, we'll handle the paperwork — and stay on call afterwards.
Rated 4.8 stars from 250 real customer reviews
"Saved $612 a year and got better extras for our two kids. The whole switch took 15 minutes — and our advisor still answers when I call."
How we get paid — and why it doesn't change our advice
Comparify is a completely free service for you. Like other comparison services, we're paid a commission by the health fund if you take out a policy — but our advice isn't influenced by which fund pays more, and we never mark up your premium - we guarantee it. It's called the Comparify Price Promise. If you find the exact same policy elsewhere for less, we'll refund you 200% of the difference.
Over 60s: the questions we hear most
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.