opter.ai is funded by our users, not advertisers or health funds, so we never sell or share your personal information. Our only interest is helping you get the best cover for your needs, and we ask the minimal amount of information to do that.

Building personally tailored cover requires an understanding of your family's demographics, behaviours and known risks, so we ask questions about each of these.

We respect you might prefer not to share some of this information just yet, so almost no question is explicitly required. When you leave questions unanswered, we will assume an answer close to the average Australian. The more questions you answer, the more we will be able to help pinpoint your perfect cover.