Best Insurance Australia 2025 🛡️

Compare life, health, income protection and car insurance from Australia's leading providers. Independent reviews with no hidden agenda.

100+ Brands Compared
Updated June 2025
Highest CPA category ↗
🛡️ All Insurance
❤️ Life Insurance
🏥 Health Insurance
💼 Income Protection
🚗 Car Insurance
🏠 Home & Contents
🐾 Pet Insurance
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Insurance & Affiliate Disclosure

Insurance premiums vary significantly based on individual factors including age, health, occupation and coverage amount. Premiums shown are estimates only. BeforeYouInvest may receive commissions of $80–$200+ when you purchase a policy via our links — insurance is our highest-earning affiliate category. This does not influence our editorial assessments. Always read the Product Disclosure Statement (PDS) before purchasing.

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Life Insurance
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Health Insurance
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Income Protection
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Car Insurance
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Home & Contents

Compare via Australia's Top Insurance Aggregators

These comparison sites let you compare 50–100+ brands in one place. They pay us a referral fee when you use their services — at no cost to you.

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iSelect

Australia's #1 insurance comparison. Compare health, life, car and energy in one place. Expert consultants available.

High CPA · $80–$200+
Compare via iSelect →
iselect.com.au/affiliates
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Compare the Market

Fast comparison of health, car, home and life insurance from 100+ brands. Powered by BHL Group.

High CPA · $60–$180+
Compare via CTM →
comparethemarket.com.au/partners
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Choosi

Specialist life and health insurance comparisons. Focuses on policy quality, not just price.

Life insurance · High CPA
Compare via Choosi →
Commission Factory · Choosi

Best Life Insurance Australia

Direct life insurance providers reviewed and compared on coverage, premiums and claims reputation.

⭐ EDITOR'S PICK — BEST VALUE LIFE INSURANCE
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NobleOak Life Insurance
NobleOak Life Limited — Direct insurer
Award-winning, low-cost life insurance

Australia's most awarded direct life insurer. NobleOak consistently wins Canstar and Mozo awards for outstanding value. No financial adviser markup — direct pricing only.

Life cover from $100,000 to $15,000,000
TPD, trauma and income protection add-ons available
No loading for standard occupations
5-star Canstar Outstanding Value 2024
Apply online in under 10 minutes
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TAL Life Insurance
TAL Life Limited — Australia's largest life insurer
Australia's largest life insurer by policies

TAL underwrites life insurance for many of Australia's largest super funds and banks. Strong claims reputation with a 98.4% claims payment rate.

98.4% life insurance claims paid in 2023
Backed by Dai-ichi Life — Japan's second-largest insurer
Comprehensive suite: life, TPD, trauma, IP
Available via advisers or through super fund
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Zurich Australian Insurance
Zurich Financial Services Australia
Premium international insurer with strong IP coverage

Zurich is a global insurance giant with a strong Australian presence. Known for comprehensive income protection products with favourable definitions.

Excellent income protection policy terms
Global financial strength — S&P AA- rated
Own occupation definition available
Available through financial advisers only
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Real Insurance Life
Real Insurance — Greenstone Financial Services
Simple, affordable direct life insurance

Real Insurance specialises in accessible, no-fuss life insurance with no blood tests required for standard applications. Broad acceptance criteria.

No blood tests for most applications
Simple application — phone or online
Funeral insurance and accidental death options
Good for older or higher-risk applicants

Best Health Insurance Australia

Australia's best private health funds compared — with and without the Medicare Levy Surcharge.

🏆 MOST COMPREHENSIVE COVERAGE
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Bupa Health Insurance
Bupa Australia — 4.3M+ members
Australia's largest private health insurer

Bupa is Australia's biggest health insurer with the widest hospital network, strong extras benefits and excellent member services.

4,300+ contracted hospitals & day surgeries
Hospital, extras and combined cover available
Dental, optical, physio and more in extras
Medibank and Bupa both owned by same entity
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HCF Health Insurance
HCF — Australia's largest not-for-profit health fund
Not-for-profit — profits go back to members

As a not-for-profit, HCF channels profits back to members through better benefits and lower premiums. Strong hospital coverage with good extras.

Not-for-profit — member surplus benefits
More2Life program: free preventive health services
Strong optical, dental and physio benefits
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Medibank Health Insurance
Medibank Private Limited (ASX: MPL)
Australia's #2 health fund — strong hospital network

Medibank is Australia's second-largest health insurer, ASX-listed, with a national hospital network and competitive premium structure.

ASX-listed (MPL) — transparent governance
24/7 nurse hotline for all members
Medibank Live Better rewards program
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Frank Health Insurance
Frank Health Insurance — Budget option
Best budget health insurance option in Australia

Frank Health is a value-for-money health insurer that keeps things simple — lower premiums by cutting unnecessary extras. Great for young singles or couples.

Industry-leading low premiums
Hospital cover from under $30/week
Simple product range — easy to compare

📋 Affiliate Program Setup Notes (Admin) — Insurance = HIGHEST CPA

  • 🔍 iSelect: iselect.com.au/affiliates — Direct program. Health insurance CPA $100–$200+. Life insurance $100–$250+
  • 🔀 Compare The Market: comparethemarket.com.au/partners — Very high CPA for health insurance referrals
  • 🟣 Choosi: Commission Factory under "Choosi" — Specialises in life, income protection
  • 🏅 NobleOak: Commission Factory or nobleoak.com.au/partners — ~$100–$200 CPA per policy
  • ❤️ Real Insurance: Commission Factory — Greenstone Financial Services program
  • 🚗 Car Insurance: Budget Direct (budgetdirect.com.au/affiliates), ING Car (via Commission Factory) — $30–$80 CPA
  • 💡 Pro tip: Insurance is your highest-earning category. Prioritise getting iSelect and CTM affiliate accounts active first.