Disclaimer

Health Insurance Comparison Service

Smart Compare Health Insurance provides a health insurance comparison and referral service in connection with ItsMy Group Pty Ltd (ABN 85 167 289 965), trading as ItsMy Health.

ItsMy Group maintains affiliations with a range of private health insurers that form the comparison panel. We do not compare all private health insurers or every private health insurance policy issued by the funds that we do compare.

The insurers and products available for comparison may change from time to time and may depend on your location, personal circumstances and eligibility.

General Information

The information provided on this website and through our comparison service is general in nature. It does not take into account all of your personal objectives, financial situation, healthcare needs or circumstances.

Before selecting or changing a policy, you should review the relevant insurer’s policy documents, including the Private Health Information Statement, product terms, exclusions, waiting periods, benefit limits and applicable premiums.

No Guarantee of Savings or Suitability

We do not guarantee that:

  • A particular policy will be the cheapest policy available;
  • You will save money by changing policies;
  • A policy will cover every treatment or service you may need;
  • A particular insurer will accept your application; or
  • Every insurer or policy available in Australia will be compared.

Any examples of potential savings are illustrative only. Actual premiums, benefits and savings depend on your personal circumstances and the policy selected.

Insurer Responsibility

Participating private health insurers are responsible for:

  • Determining premiums;
  • Assessing applications;
  • Setting waiting periods, exclusions and benefit limits;
  • Issuing and administering policies;
  • Processing claims; and
  • Providing policy documents.

If there is any inconsistency between information provided through this website and an insurer’s official policy documents, the insurer’s documents will apply.

Regulatory Information

Participating private health insurers are registered with and prudentially regulated by the Australian Prudential Regulation Authority.

Smart Compare Health Insurance and ItsMy Group are comparison and referral service providers. They are not private health insurers.

Nothing on this website should be interpreted as stating that Smart Compare Health Insurance or ItsMy Group holds an Australian Financial Services Licence unless confirmed licence details are expressly published.

Third-Party Websites

This website may contain links to insurer websites, government websites and other third-party resources. These links are provided for convenience only.

We are not responsible for the availability, accuracy, security, content or privacy practices of third-party websites.

Liability

To the extent permitted by law, Smart Compare Health Insurance and ItsMy Group are not responsible for loss arising from reliance on incomplete, outdated or inaccurate information provided through this website.

Nothing in this disclaimer excludes, restricts or modifies any right or remedy that cannot lawfully be excluded under the Australian Consumer Law.