The future of healthcare, today.

From our social enterprise focused business model to breakthrough artificial intelligence, there's a lot that's different about us.

Four simple steps to better health

Years in the making, seconds to use

1. Check up

Share as much or little as you like about your demographics, behaviours, and needs. Our AI, Ezra, checks these against 54,000 policies and builds a tailored policy bundle just for you.

2. Customise

Review your results - personalised options you won't find anywhere else. You maintain control to customise the results based on excess, risk tolerance, and more.

3. Check out

When you're ready, sign up in a click. We take care of billing, switching, and all admin hassles. The value to you is assured thanks to the opter.ai 90:10 split, where we earn 10% of the value we create for you.

4. Relax

Get back to living your life! We'll remind you before benefits expire, and help book in appointments. We'll even reach out if a better deal becomes available later on, so you never need to shop around again.

Myth busting

Myth

"You'll never get back more from health insurance than you spend, so you should just save your money"

Reality

Health insurers are required to offer the same policy at the same price to different people. They can discount by age, but they can't adjust for most risk factors, like your family history.

Because policies' prices are fixed, but their value to each person isn't, you can reliably come out ahead if you choose well.

Of course, doing that analysis is beyond the skills and patience of most of us. At least, it was before we built Opter's AI Builder to do just that in seconds.

Save now

We're flipping health cover on its head.

We're making Australians $1B better off by making better healthcare choices easy.

That's made possible by turning the traditional health insurance model on its head. Our 90:10 model starts with finding you better cover for less, and you keeping 90% of the savings. We hold onto one-tenth, and direct much of that to the opter.ai Give Back. This means that:

You get great health cover, while helping causes you care about

You know we're on your side, as our incentive is to save you more

Social good is baked into our business model