Compare & save instantly on health insurance

Alfie is Australia’s first AI-powered health insurance assistant. I help you compare private health cover, understand your options in plain English, and find a policy that suits your needs and budget, without the sales pressure.

Alfie can:

• Explain how hospital and extras cover work

• Help you avoid paying more tax through the Medicare Levy Surcharge

• Show you policies that match your needs

• Compare prices and benefits from trusted insurers

• Answer your health insurance questions (no jargon, no judgement)

• Changing your health insurance (with the help of one of our Health Insurance experts)

Some comparison sites just list products without looking at your specific needs. Alfie is different. I’ll ask about your needs, explain your options in a way that’s easy to understand, and give you a personalised product shortlist!

That’s one of the reasons Alfie exists. Whether it’s switching to a better-value policy, avoiding tax penalties, or dropping extras you don’t need, Alfie’s job is to help you get better value cover and avoid wasting money.

Alfie currently compares policies from a range of trusted Australian health funds:

• AHM

• Australian Unity

• Frank Health

• GMHBA

• HCi

• HCF

• HIF

• Hunter Health

• NIB

• RT Health

That depends on your situation. Private health insurance can:

• Help you avoid paying extra tax if you’re a higher-income earner

• Let you skip public hospital waitlists

• Give you more choice over your doctor and hospital

• Cover out-of-hospital services like dental, physio, and optical

If you’re unsure whether it’s worth it, Alfie can help you weigh up the pros and cons for your life stage and income level.

• Hospital cover pays for treatment as a private patient in hospital, like surgery or overnight stays.

• Extras cover helps with everyday services like dental, physio, optical, chiro, and more.

You can get one or both, depending on what you need.

Not at all. Alfie is built to guide you through the process step by step, explain anything that’s unclear, and help you feel confident about your decision, whether you’re new to private health or switching from another fund.

Yes, with hospital cover, you generally have more choice when it comes to your doctor, hospital, and when you get treated (especially for elective surgeries). Alfie can help you find policies that include gap cover and broad hospital networks.

Switching is usually quick and easy. Once you’ve chosen a new policy with Alfie, your new health fund can often handle the cancellation for you, including contacting your old fund and arranging a transfer of your cover history.

There’s no need to serve waiting periods again for services you were already covered for, as long as you’re switching to the same (or lower) level of cover.

Tip from Alfie: Don’t cancel your current policy until your new one is active, that way you avoid any gaps in cover or issues with waiting periods.

Nope, Alfie is completely free to use.

You won’t pay anything to compare policies or get personalised guidance. If you choose to switch through Alfie, your premium is the same as if you went directly to the health fund, no mark-ups, hidden fees, or sneaky catches.