Keep your cover (& Save $$$) while growing your family
This is one of the biggest health insurance myths we bust every day
Switching health insurance can feel like walking a tightrope: you're trying to lower your premiums, get more value, and stop paying for cover you don't use - without losing the benefits you've already waited for.
Want lower health insurance premiums without losing cover? Here's how you can avoid the waiting period trap.
Once you’ve done your waiting, you don’t need to do it again
It’s possible to switch and save on your health cover without starting your waiting periods all over again. You just need to do it the smart way - and that’s where an expert can help.
The good news is that if you’ve already served waiting periods for hospital or extras cover (like dental, physio, or pregnancy), those benefits can carry over when you switch to a new fund with the same or a lower level of cover.
How?
Glad you asked! The trick is to cancel and switch seamlessly - ideally with no delay in your cover. That’s where a comparison service like Compare Club comes in handy.
Compare Club’s experts walk you through every step to ensure your new policy starts the day your old one ends, so you don’t miss a beat.
Sarah’s story:
Let’s talk about Sarah, a 33-year-old marketing manager from Newcastle. She was paying $2,100 a year for hospital and extras cover with a big-name fund. But when she reviewed her policy, she realised she wasn’t using half the extras - plus she was paying for outdated inclusions like private rehab she'd likely never use.
With the help of her Compare Club expert, Sarah* switched to a policy that better matched her needs. She:
- Saved $300 a year on premiums.
- Kept her pregnancy cover (no need to re-serve her 12-month wait).
- Retained her extras waiting periods for physio and optical.
- Avoided any cover gaps thanks to her seamless switch.
Her biggest takeaway? “Honestly, I don’t know why I didn’t do it sooner.”
Stop paying for cover you don’t use
Many Australians are stuck on health insurance policies they picked years ago, with add-ons they don’t need, and premiums that keep creeping up.
Whether it’s extras you never claim, hospital inclusions that don’t suit your age or life stage anymore, or simply a better value offer available to you, switching can save you hundreds each year.
More importantly, you don’t have to give up what you’ve already earned.
How to make the switch without stress
Speak to an expert: Compare Club’s team of health cover experts help you compare from a range of trusted Australian funds.
Ready to get the value you deserve — without the waiting?
Talk to a Compare Club expert now and find out how much you could save without losing your existing benefits.#
Or…
Compare and switch online in minutes - it’s free, fast, and designed to protect the cover you’ve already earned.
*Customer name has been changed. #Compare Club compares selected products from a panel of trusted insurers. We do not compare all products in the market.
