Hey! Nice to meet you. opter.ai is Australia’s only digital marketplace for health insurance. We use artificial intelligence to create hyper-customised policy bundles and automate your health cover experience, so you’ll never miss out on your extras or a better deal.

We are a small Sydney-based startup with a mission to make healthcare accessible to all. We’d love you to give us a go - or give us a shout at [email protected] if you want to learn more.

There are other comparisons out there, but nothing quite like opter.ai. We’ve worked hard on a breakthrough product that we think will revolutionise the market for private health comparisons, information and assistance. Here’s some of the key points of difference we’re proud of:

Healthcare shouldn’t be a chore, and you shouldn’t have to worry about whether you’re getting honest answers. When done right, health cover should be an asset - saving you time and money.

We think opter.ai is special, and we hope you’ll think so too. We’ve worked hard on a breakthrough service to revolutionise how Australians access and manage private health. By leveraging the immense potential of AI, opter.ai puts the power back into the hands of the consumer, automates mundane tasks, and improves your financial security.

Here are some points of difference that we’re proud of:

• Breakthrough artificial intelligence. Our charming AI, Ezra, is able to analyse billions of datapoints on private health cover, health providers, health risks and costs, and information you choose to provide about your family to provide hyper-customised policy bundles perfectly tailored to maximise your value.
• Full coverage. Traditional comparison sites look at only a fraction of policies available - something like 10%, and from a limited number of insurers. Ezra is able to look at all 52,000+ policies available from every insurer, in two minutes flat. He also keeps an eye on market changes to ensure members never miss out on a better deal.
• Independence and transparency. Comparison sites are driven by commissions from insurers, and so they are incentivised to recommend policies with higher premiums. In contrast, opter.ai takes a small fee from members to ensure that our only customers are, well, our customers - not insurers or shareholders.
• Follow up care. opter.ai offers a unique follow up service beyond signing you up to cover. We take on all of the admin hassles, including reminding you that benefits are due to expire, finding and making appointments, and more.
• Focused on social good. As a social enterprise, we are committed to giving half of our profits to global healthcare causes chosen to maximise the impact of donations. We are also fully run on renewable energy and carbon neutral since day one, and committed to fiercely protecting consumer data.

opter.ai will always be proudly independent and commission free. We are a Sydney based team of data scientists with a focus on empowering Australians to make better healthcare choices. We know a lot about the private health system but are separate from it.

One of the ways we’re disrupting private health is by making you our only customer - putting the power back in your hands. Traditional comparison sites are paid by insurers based on how much money they can get you to spend. We’d prefer to charge you a small fee to cover our costs, and we hope you’ll join the movement for better health, done better.

We’d love to chat about it. We’re a small, driven team of Sydney data scientists and we’re always keen to have a coffee with people who are keen to join us in making better health more accessible for all. Just reach out to [email protected] and we’ll be in touch! 

Phew! Big question, and one we're excited about. Our best effort to summarise opter.ai’s mission is that we’re trying to make healthcare more accessible for all. We do this by directly supporting our customers, as well as donating half our profits to global health causes under the opter.ai Give Back. We’ve adopted the social enterprise model to do this, and are pursuing B Corp registration.

We’re transforming private health from a necessary evil into a social good. We’ve designed opter.ai to bring out the best in people, while giving society a push for the better. As part of this, we’re proud to introduce the Great opter.ai Give Back:

• You get an opter.ai membership, and select a health nonprofit you care about
• Once a year, we tally up half our profits and divide it between the causes our customers have handpicked
• We give back that money to the nonprofit you chose.

We sure do. There’s no health for humanity without health for Earth. This is why we’re proudly carbon neutral, and have run on 100% renewable energy since day one.

We think you’ll love what opter.ai has to offer, and we’re so confident that we offer a 30 day money back guarantee, no questions asked. The full run down of our service is here, but here’s a summary of what you get when you join our movement for better health:

• Australia’s best cover finder. opter.ai’s trusty AI, Ezra, searches every policy from every insurer, along with billions of public health datapoints, to instantly find you a perfectly tailored bundle of cover. We mix and match policies as needed to create a bundle that is hyper-customised to your family’s needs.
• AI-powered healthcare management. Healthcare shouldn’t be a chore, which is why opter.ai members unlimited access to Ezra’s health support. He’ll get you signed up to your new cover, answer questions about the system, find providers and book appointments, and remind you about using your benefits.
• Follow up care. You might have heard it’s important to shop around each year rather than just watch your premiums go up and up. It’s good advice, but who has the time? opter.ai’s AI takes any info you choose to provide about lifestyle changes, along with market changes, to identify if different cover might save you money. We’ll happily switch you over and keep your cover going seamlessly.

No, your membership covers your immediate family or household at no extra cost. For example, if you search for cover for you and a partner, you will both be covered by a single membership. This is true even if we recommend multiple policies for the two of you. Everyone under the membership has access to the booking concierge and any other opter.ai services associated with it.

opter.ai members make one simple monthly payment covering their premiums and a small amount to cover our costs. We handle paying and administering your cover, meaning you don’t have to worry about working with the health funds. 

Our charge is based a small proportion of the value we create you. This is what we call the opter.ai 90:10 model - we take 10% of the value we find for you, meaning that you are our only customer, and that we are incentivised to get you a better deal.

opter.ai is disrupting the way that Australians access and manage their private health, and we’d love you to join the movement. 

Our breakthrough AI is designed to save you time and money, creating hyper-customised policy bundles that take account of billions of datapoints on insurance options, health risks for people like you, and costs for services in your area.

What’s more, this is only the start - members also get access to AI-powered healthcare management, so you’ll never miss out on your extras or a better deal.

No. Any policies we arrange on your behalf constitute a contract between you and the relevant insurer/s. opter.ai is not involved in these contracts and the responsibility to fulfill any obligations under them lies with you and the insurer/s. For full details, see our terms.

These are important questions, with personal answers. We’d love for you to explore what our AI Ezra can do for you - he’ll create a perfectly customised policy bundle based on your specific needs - just get started here!

For more general information and analysis about the private health industry, see our State of the Funds page.

We’re glad you asked. Ezra is our charming and very smart breakthrough artificial intelligence, who does the heavy lifting to find perfect cover for people just like you. We love him so much we made a video about what he can do for members here.

We know, it can seem like a lot! But we promise it will only take a few minutes to get started unless you have, like, a dozen kids - and if so, please reach out so we can buy you a coffee. What’s more, you can give us as much or as little information as you like - the more you provide, the more accurate we can be.

We ask for the same kind of information as insurers to understand which policies you’re eligible for. We’re also trying to test what kind of care you’re likely to need, so we can make sure you’re covered. Details like your birthday, income, and whether you currently hold insurance are relevant for things like tax calculations. Details about your family and lifestyle can help us tailor your cover more precisely.

If you take out cover via opter.ai, we also need contact and payment details to make that happen.

We know that some of this information is sensitive. We only ask what we absolutely need to know. We will never sell your data or share it without your permission - see our privacy policy here.

Healthcare is a deeply personal area and we take your privacy seriously. We collect only the information we need, store it safely, and use it only for what you’ve agreed. We don’t sell your data and we don’t sell ads. Find full details in our privacy policy here.

We understand that no two households are the same, and that your health changes over time. opter.ai uses a people-first approach, where we start by assessing your likely healthcare needs and then customise a policy bundle to fit.

We might suggest that your whole family goes on the same policy, or we might suggest different people have different levels of cover. One common example is where one member of the household is trying to get pregnant, but the others aren’t. This approach helps us to get you better cover for less. Meanwhile, we handle all the admin so there’s no extra stress for you, and you can get back to living your life - whatever that looks like.

You can also give us as much or as little information as you like about your specific needs. The more information you provide, the more  accurate our estimates can be. If you have additional needs beyond what seems to be captured by our recommendations, please reach out to the team and we can work with you to tailor your cover further.

There are some private health funds that have restricted eligibility. They are usually based on an industry or an occupation, like Defence Health Limited or Police Health. They often have entry requirements based on you being a part of that cohort, or having family or other ties to it. Have a look through our list and feel free to consult the websites of the funds to confirm if you are eligible. If so, you can include them in our search; if you’re unsure, just skip it. Alternatively, our friendly team at [email protected] is always happy to help.

When Ezra’s done calculating your perfect cover, we provide you all the information you need to make a decision and get started with opter.ai. Our results page features:

• Summary information on your policy bundle, with monthly premiums; estimated annual value (based on rebates, tax savings and more); and the names of the health funds providing cover under the bundle
• Cover information, including level of cover and highlights on your coverage for items you have specified as important for you
• Inclusions split out by hospital and extras benefit types, and each member of your household. These use the three standardised descriptors for cover in Australia: Covered, Restricted (meaning that the category is partially covered), and Excluded.
• Options for you to further customise cover, based on your risk tolerance, fund preferences and more.

Opter is unique in offering hyper-customised policy bundles. This means that our results may involve one policy for your household, or sometimes a few different policies if different people have different needs. Don’t worry, our members don’t have to think about any of the admin of managing one or more policies.

If you agree to go ahead with the recommended cover, as part of signing you up we’ll give you access to full cover details including a link to the Private Health Information Statements for your policy or policies.

Get started here! We take credit card and EFT (electronic funds transfer). We use Stripe, one of the biggest online payment providers in the world, so you can be assured that your payment will be quick, painless and safe.

It’s easy! Just log in to your account and you should find everything you need in your Member Dashboard. Any issues or concerns, just shoot us a line at [email protected] or via the Contact Us link below.

These things happen! We’re sad you’re leaving, but as with all opter.ai services we want to make it as seamless as possible. No funny games or making you jump on the phone, let’s just get you on your way.

Log in to your account and click through to the Member Dashboard, then look for the big purple Cancel button. A few more clicks and you’ll be done.

If you let us know within 30 days of purchase then we should be able to reverse everything for you, no questions asked. There are some exceptions, like if you’ve already claimed on a policy we helped you sign up for. Check out our terms and refund policy for full details.

Outside of the 30 day window, it’s still easy to cancel your membership with opter.ai. Note that you need to cancel at least 10 days before your next monthly payment is due to avoid being charged that payment.

Any issues? Shoot us a line on [email protected] or use the Contact Us link right down there and we’ll get back to you shortly with some help

We’re here to help, and we would love to hear from you! Please do reach out at [email protected] or online here.

We’ve tried really hard to make sure everything is just right, so we’re genuinely sorry to hear that. Please do reach out to [email protected], and we’ll help make it right. In the meantime, please feel free to also consult our complaints policy.

We're flattered! Please reach out at [email protected].

opter.ai does occasionally assist with custom data requests - with best in class privacy and data security measures that exclude all personal data - if there is a clear public benefit, such as improving access to healthcare or the design of public policy. Please reach out to us to discuss your request, including which data you're interested in and the purpose of your research.