Insurance
Gap Cover and Health Insurance in Australia: Reducing Out-of-Pocket Costs
Gap cover helps reduce the difference between what Medicare and your health fund pay and what doctors actually charge, cutting your out-of-pocket hospital expenses.
Sophie Zhang
Author
Writes about Australian life and private health insurance. Compares benefit-period options, waiting periods, and hospital-versus-extras cover so readers can make sense of their PHI statement.
- insurance
- life-insurance
- health-insurance
- income-protection
Published articles
Insurance
How to Make a Successful Home Insurance Claim in Australia
Learn the essential steps to successfully claim on your home insurance in Australia, from documentation to settlement.
Insurance
Trauma Insurance in Australia: 10 Serious Illnesses That Critical Illness Cover Pays For
Trauma insurance pays a lump sum when you're diagnosed with a specified serious condition. Learn which illnesses are covered and how the benefit works in Australia.
Insurance
Travel Insurance in Australia: What to Look For Beyond the Cheapest Policy
Learn how to choose travel insurance that actually protects you when travelling overseas, focusing on medical cover, exclusions, and pre-existing conditions rather than just the lowest premium.
Insurance
How to Lower Your Car Insurance Premium in Australia
Learn practical strategies to reduce your car insurance costs while maintaining appropriate cover for your needs.
Insurance
How Compulsory Third Party (CTP) Insurance Works in Australia
Learn what CTP insurance covers, why it's mandatory for vehicle registration, and how it differs from comprehensive car insurance in Australia.
Insurance
How to Choose the Right Income Protection Insurance Policy in Australia
Income protection insurance replaces a portion of your income if you cannot work due to illness or injury. Learn how to compare policies, understand waiting periods, benefit periods, and coverage options to find the right fit for your financial situation.
Insurance
10 Proven Ways to Lower Your Car Insurance Premium in Australia
Discover practical strategies to reduce your car insurance costs in Australia, from adjusting your excess to building your no-claim discount.
Insurance
Total and Permanent Disability Insurance Through Australian Super: How to Check Your Cover in Australia
Many Australians have TPD insurance through their superannuation without knowing it. Learn how to check if you're covered, understand what your policy includes, and ensure your protection is adequate.
Insurance
Renters Contents Insurance in Australia: What Tenants Need to Know
Learn how contents insurance protects your belongings as a renter, what's covered, how it differs from your landlord's policy, and how to choose the right sum insured for your situation.
Insurance
Why Postcode Pricing Can Lift Home Insurance Premiums in Australia
Home insurance premiums can rise sharply because insurers price risk by location, not only by whether a home is inside an official flood zone. Here is what postcode pricing means and what Australian customers can check before renewing.
Insurance
Australian Home Insurance Premiums Climb 51% in Five Years
Home insurance has become much more expensive across Australia. Here is what the 51% rise means for households and what to check before renewing.
Insurance
How Accurate Are Flood-Risk Ratings Behind Home Insurance Premium Hikes in Australia?
Flood-risk ratings used by Australian insurers are generally accurate but increasingly lag behind climate reality, contributing to premium increases even for properties that have never flooded.
Insurance
Why Homeowners in Australia Should Not Cut Storm Insurance Cover as Cyclone Season Nears
Reducing home insurance before storm, cyclone or flood season can leave Australian homeowners exposed to large repair bills. Review your cover instead of cutting it blindly.
Insurance
Should You Get Flood Insurance Before Storm Season in Australia?
Australian authorities recommend reviewing flood cover before severe weather season, but many standard home policies exclude or limit flood damage. Here's what you need to know.
Insurance
How to Buy Flood Insurance Before Australia's Storm Season Begins
Storm and cyclone season brings significant flood risk to many Australian homes. Learn how to secure proper flood cover before the wet season arrives.
Insurance
How Excess Works on Australian Home and Vehicle Insurance
Understanding excess is crucial for managing insurance costs and claims. Learn how excess applies to your home and car policies, when you pay it, and how to choose the right amount.