Terms of use | Plain Cover

The terms you agree to when you use plaincover.com.au, including how this site is paid for.

Last updated 17 September 2026

These terms apply to your use of plaincover.com.au. By using the site you accept them. If you do not accept them, please do not use the site. The company that operates Plain Cover is identified in our privacy policy.

This site is general information only

Plain Cover publishes general information about private health insurance in Australia. It does not take your income, health, family situation or objectives into account, so it is not financial, tax, medical or legal advice and it is not a recommendation to buy, keep or cancel any policy.

Before acting on anything here, read the fund's Product Disclosure Statement — that document, not this site, sets out what you are actually buying — and consider getting advice from a licensed professional about your own circumstances.

How we make money

Plain Cover is free to read and carries no advertising. We are paid a fee by a commercial partner when you request a quote through this site and consent to being contacted. The fee is the same whichever fund you end up with, and we are paid whether or not you take out a policy.

That arrangement has limits we hold ourselves to:

No fund pays us for coverage, placement or a rating. We are not paid by health funds, we hold no interest in one, and no fund can buy a position in a table, a score or a favourable review.
It does not set the order of results. Tables are ordered by the criterion named at the top of the table.
It does not decide who we write about. We cover funds we have no commercial relationship with, and we say so on the page where you cannot get a quote through us.
Nobody who writes or checks a page is paid on enquiries or conversions.

Any page that can earn us a fee carries this disclosure above the fold, before the first table or button: We may be paid a fee when you request a quote through this page. It never changes our comparison method or the order of results.

You are never required to use us. The Australian Government runs a free comparison service at privatehealth.gov.au, which takes no commission from anyone.

If our commercial arrangements change, we update this section. How we research and check pages is set out in our editorial policy, and how we compare policies in our methodology.

Accuracy and currency

We take care to source every figure from the body that sets it and to show the date it was checked. Even so, premiums, thresholds and product terms change, sometimes at short notice, and we do not warrant that everything on the site is complete, current or error-free at the moment you read it. Where a figure here conflicts with the fund's PDS or an official government source, that source prevails.

If you find an error, email hello@plaincover.com.au. Confirmed errors are fixed and the change is noted on the page.

Quote requests and third parties

When you submit the quote form, your details are passed to our commercial partner so they can contact you about cover. What we collect and who receives it is set out in our privacy policy. We are not responsible for the conduct of any third party, for the policies they offer, or for any contract you enter into with a fund — that contract is between you and the insurer.

Links to other websites are provided for convenience. We do not control or endorse their content.

Using the site

You may read, print and share pages for your own personal, non-commercial use.
You may quote a short extract with attribution and a link to the page it came from.
You may not scrape, republish, resell or systematically copy this site or its data, or use it to train a model, without our written permission.
You may not use the site unlawfully, interfere with it, or attempt to gain unauthorised access to it.

Liability

Nothing in these terms excludes any right or guarantee you have under the Australian Consumer Law that cannot lawfully be excluded. Subject to that, and to the extent permitted by law, we are not liable for any loss arising from your use of, or reliance on, this site, and our liability is limited to re-supplying the relevant information.

Changes to these terms

We may update these terms from time to time. The date at the top of this page shows when they last changed, and the current version applies to your use of the site from that date.

Contact and complaints

Questions about these terms go to hello@plaincover.com.au. If you are unhappy with something we have published or how we handled your enquiry, our complaints page explains how to raise it with Lachlan M.. These terms are governed by the laws of Australia.