About IsItWorthIt
What This Tool Does
IsItWorthIt helps you compare Australian private health insurance Extras policies based on your expected healthcare usage. Enter the services you plan to use, and we'll calculate which policies offer the best value for your specific situation.
The calculator considers premiums, benefit limits, waiting periods, and per-visit caps to give you a realistic estimate of your out-of-pocket costs across different policies.
Data Source
Data sourced from Private Health Insurance Ombudsman (PHIO), published by the Australian Government Department of Health, available at data.gov.au. Licensed under Creative Commons Attribution 4.0 International.
How to Use
- Select your state and cover type (single, couple, family)
- Add the healthcare services you expect to use
- Enter the number of visits and estimated cost per visit
- Set your time horizon (how long you plan to hold the policy)
- Click "Compare Policies" to see the results
Feedback
Have suggestions, found a bug, or want to share your experience? We'd love to hear from you.