We cut through the noise, comparing trusted funds to give you fast, personalised options. Whether you are switching or starting fresh, Utility Club makes it effortless.
We partner with a panel of reputable Australian health funds and compare based on what matters to you—premium, inclusions, and future-proofing your benefits.
We listen first, then filter extras and hospital cover combinations that suit your life stage and budget.
Access leading funds with strong track records, transparent policies, and member perks you can actually use.
We check in annually so you stay on the right cover as life evolves—new job, growing family, or making the most of retirement.
Our Australian-based team keeps it jargon-free and handles the switch for you—no awkward calls to your old fund.
Compare tailored options in minutes, decide with confidence, and let us take care of the rest.
Share your life stage, inclusions you care about, and what is not working with your current cover.
Our specialists review leading providers, looking at price, limits, waiting periods, and member value.
Choose the plan you love and we will manage the sign-up, cancellations, and paperwork for you.
We explore the details others skim over, so you keep more cash in your pocket while maximising tangible benefits.
| Inclusions | What we check | Why it matters |
|---|---|---|
| Hospital cover | Cover tiers, excess levels, no-gap networks | Minimise out-of-pocket surprises when admitted |
| Dental & optical | Annual limits, partner provider perks, wait times | Keep regular check-ups affordable and convenient |
| Extras you love | Physio, chiro, remedial massage, mental wellness | Tailor cover to your routine without paying for fluff |
| Future proofing | Pregnancy, joint replacements, heart & lung | Plan ahead for life chapters before they arrive |
Still deciding? Here are the questions we hear daily from people switching to smarter cover.
Yes. In most cases you can move whenever you like. Existing waiting periods transfer across, and we guide you through the cancellation and start dates for a seamless handover.
No, not for equivalent cover. When you switch to a similar or lower policy, the waiting periods you have already served carry over. Only upgrades to higher benefits may trigger new waits.
Most people have their new membership booked within the same business day after our comparison call. We take care of the application, follow-up, and welcome pack tracking.
No. Our service is 100% free to you. We are paid by the health funds when we help you join a policy that suits you.
We will highlight gentle-entry policies, explain government rebates, and help you map a path from basic to higher cover as your needs evolve.
Absolutely. We look at available discounts, loyalty perks, and wellness programs to ensure you are not leaving value on the table.
Share a few details and our specialists will tee up a personalised comparison. Prefer to talk straight away? Call and we will get started now.
1300 317 598