Terms of Service
1. About These Terms
These Terms of Service apply when you visit the Smart Compare Health Insurance website, submit an enquiry or use our health insurance comparison and referral service.
By using the website or submitting your information, you agree to these terms and acknowledge that you have read our Privacy Policy, Disclaimer and How We Get Paid disclosure.
2. Our 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. Comparisons are limited to participating insurers and products available through the comparison panel.
3. General Information
Information provided through the website or comparison service is general in nature and does not take into account all of your personal objectives, financial situation, healthcare needs or circumstances.
You should review the relevant insurer’s policy documents and consider whether a policy is appropriate for your circumstances before applying.
4. Information You Provide
You agree to provide complete, current and accurate information when requesting a comparison.
The quality and relevance of the comparison may be affected if the information you provide is incomplete or inaccurate.
You are responsible for checking all information contained in an application before it is submitted to an insurer.
5. Insurer Decisions and Policy Terms
The relevant private health insurer is responsible for:
- Deciding whether to accept an application;
- Determining the premium;
- Setting waiting periods, exclusions and benefit limits;
- Issuing and administering the policy;
- Processing claims; and
- Changing policy terms or premiums where permitted.
Smart Compare Health Insurance and ItsMy Group do not guarantee that an insurer will accept an application or that a particular policy will meet every healthcare need.
6. Comparison-Panel Limitation
The comparison service only considers participating insurers and selected policies available through the ItsMy Health comparison panel.
A policy or insurer that is not included on the panel may be available elsewhere and may be more suitable or less expensive in some circumstances.
7. How We Get Paid
Unless otherwise disclosed, you do not pay Smart Compare Health Insurance a separate fee for requesting a comparison.
ItsMy Group and/or Smart Compare Health Insurance may receive a commission or other payment from a participating insurer when a customer purchases or switches to a policy.
Further information is available on our How We Get Paid page.
8. Contact Consent
When you submit an enquiry, you consent to being contacted by Smart Compare Health Insurance, ItsMy Health or an authorised service provider regarding your health insurance enquiry.
Contact may occur by telephone, email or SMS using the details you provide.
You may ask us to stop marketing communications at any time. However, we may still contact you where necessary to respond to an active enquiry, complete an application or meet a legal obligation.
9. Standard Cooling-Off Period
Your insurer’s policy documents will explain the standard cooling-off period that applies to your policy.
Where a 30-day cooling-off period applies, you may cancel the policy within 30 days of its commencement and request a refund of premiums paid, subject to the insurer’s conditions. Conditions may include that no claim has been made under the policy.
Contact the relevant insurer promptly if you wish to exercise your standard cooling-off rights.
10. Additional Cooling-Off Rights for Unsolicited Consumer Agreements
Where an agreement is an Unsolicited Consumer Agreement under the Australian Consumer Law, you may have an additional right to cancel the agreement within 10 business days.
The period generally begins on the first business day after you sign or receive the agreement.
Additional or extended cancellation rights may apply where the legal requirements for an Unsolicited Consumer Agreement have not been followed.
These rights are separate from any standard cooling-off period provided by the insurer.
11. Cancelling or Changing a Policy
Requests to cancel, change or update an active policy should generally be directed to the relevant insurer.
Before cancelling an existing policy, consider whether cancellation could affect waiting periods, continuity of cover, Lifetime Health Cover loading or other entitlements.
12. Privacy
Personal and sensitive information will be handled in accordance with our Privacy Policy.
Information may be shared with ItsMy Health, participating insurers and relevant service providers where necessary to provide the comparison, process an application, administer the service or comply with the law.
13. Website Availability and Accuracy
We try to keep the website accurate and available. However, we do not guarantee that the website will always be uninterrupted, error-free or completely current.
Insurer products, premiums and policy terms may change without notice. You should rely on the current documents issued by the relevant insurer.
14. Intellectual Property
Unless otherwise stated, the text, branding, graphics and other content on this website are owned by or licensed to Smart Compare Health Insurance.
Website content may not be copied, reproduced or commercially distributed without written permission, except where permitted by law.
15. Australian Consumer Law
Nothing in these terms excludes, restricts or modifies any consumer guarantee, right or remedy that cannot lawfully be excluded under the Australian Consumer Law.
16. Changes to These Terms
We may update these terms when our services, business arrangements or legal obligations change.
The updated version will be published on this website with a revised “Last updated” date.
17. Contact and Complaints
Questions about these terms or complaints about the service may be submitted through our Contact Us page.
Please refer to our Complaints and Disputes page for information about our complaint-handling process and external escalation options.