Health Insurance Comparison

Canstar’s health insurance comparison tool lets you compare the features, fees and premium estimates of policies from a wide range of providers. The table below is sorted by highest Star Rating for policies from our Online Partners.

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Basic+
$750
$103
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Join Directly On Eligible Cover & Get Up To 12 Weeks Free T&Cs apply. New members only. Ends 31 July. 12 weeks free applied over 2 years (3 years for annual payers).
Psychiatric services
Rehabilitation
General dental
Physiotherapy
Silver+
$750
$175
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Earn up to 130,000 Qantas Points on sign-up. Points will be awarded over 6 months. Ends 15 August. Eligibility criteria and T&Cs apply.
Psychiatric services
Rehabilitation
General dental
Physiotherapy
Basic+
$750
$105
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Want up to 8 weeks free? For new joins by Aug 28 who maintain eligible combined hospital & extras. T&Cs apply. Learn more.
Psychiatric services
Rehabilitation
General dental
Physiotherapy
Bronze
$750
$135
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Waits on Dental? No way! 2&6 month waits waived on extras on combined hospital and extras cover.* Offer ends 17 August 2025. *T&C's apply.
Psychiatric services
Rehabilitation
General dental
Physiotherapy
Basic
$750
$109
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Want up to 12 weeks free & up to $500 in gift cards? Offer ends 15 July 2025. New members only. T&Cs apply.
Psychiatric services
Rehabilitation
General dental
Physiotherapy
Basic+
$750
$109
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Get up to 14 weeks FREE. For new members who join by 17 July and maintain hospital and extras cover. T&Cs apply.
Psychiatric services
Rehabilitation
General dental
Physiotherapy
Bronze+
$750
$110
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Winner of Canstar's Outstanding Value Health Insurance 9 years running and winner of more Canstar Awards than any other Health Fund in 2024.
Psychiatric services
Rehabilitation
General dental
Physiotherapy
Basic+
$750
$106
Psychiatric services
Rehabilitation
General dental
Physiotherapy
Basic
$750
$109
Psychiatric services
Rehabilitation
General dental
Physiotherapy
Bronze
$750
$123
Psychiatric services
Rehabilitation
General dental
Physiotherapy

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The initial results in the table above are sorted by Star Rating (High-Low) , then Monthly premium (approx) (Low-High) , then Provider Name (Alphabetical) . Additional filters may have been applied, which impact the results displayed in the table - filters can be applied or removed at any time.

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Get up to 14 weeks FREE. For new members who join by 17 July and maintain hospital and extras cover. T&Cs apply.
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Mix and match hospital & extras cover to suit your needs
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Australian Financial Services Licence 227681. See Terms & Conditions.
Australian Financial Services Licence 227681. See Terms & Conditions.

Why compare health insurance with Canstar?

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No cost to you

Using our comparison tool to find a better deal is free. We may receive a commission from our online partners if you apply for a health insurance policy you find on our site.

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Expert research

Our team of health insurance research experts crunch the numbers to rate health insurance based on value (price as well as features) to help you compare. Read the health insurance methodology.

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A wide range of insurers

We rate and review health insurance policies from more than 25 brands which means you can compare and choose products from both large and challenger brands, established and new.

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Easy to compare & apply

Our health insurance comparison tool allows you to filter your search results so it’s easy to find the right product for you. What’s more, you can click straight through to many of our online insurers, making it easy to apply instantly.

Better deals are found when you compare

Canstar helps millions of Australians each year compare and find better deals

 

Health insurance guides and resources

Browse our articles and guides to learn more about private health insurance in Australia, how it works and how to make the most of your policy.

Sally Tindall’s guide to comparing health insurance

Health insurance tips from our expert

 

Don’t set and forget

Health insurance isn’t a ‘set and forget’ expense. Your needs change, and so do policies. Take half an hour at least once a year to review your cover. Are you still paying for pregnancy and birth-related services when your kids are in high school? Or have you picked up a new sport that might put you at higher risk of injury? A quick review can help you cut out what you don’t need and ensure you’re covered where it matters.

Consider a higher excess

A higher excess means you’ll pay more out of pocket if you need treatment, but it can significantly reduce your premiums. If you’re fit, healthy, and not making frequent claims, this could be a way to trim down your monthly bill. Just make sure you have enough savings to cover the excess if you ever need to use your policy.

Loyalty won’t always save you money

Health insurers love long-term customers, but that doesn’t mean they’ll reward you for sticking around. If you’ve been with the same provider for years, chances are you’re paying more than you need to. Before your policy renews, shop around, compare policies, and see if switching could save you money. And don’t be afraid to call your insurer and ask for a better deal – you might be surprised at what they offer to keep you.

A quick calculation on how much you could save, even after paying switch fees, is likely to be enough to spur you into action.

Sally Tindall, Canstar Director of Data Insights

One of Australia’s leading financial and political commentators, Sally Tindall serves as Canstar’s official spokesperson. An advocate for national financial literacy, Sally regularly provides industry commentary and consumer insights within the banking, insurance, energy, and broader financial services industries, empowering Australians to make financially sound choices.

Sally’s advice to customers when choosing a health provider has always been to “read the fine print and not be fooled by incentives and finite offers”, encouraging a holistic approach to selecting a provider—not just choosing the cheapest option and volume of incentives.

Her expert insights are frequently sought by leading Australian media outlets including The Australian, News.com.au, Herald Sun, Sydney Morning Herald, The Australian Financial Review, Herald Sun, ABC, Domain.com.au, realestate.com.au, 9news, and Yahoo! Finance

Sally’s extensive career includes working across all levels of Australian government, notably for the Hon. Julia Gillard, where she contributed to Federal Budgets focused on easing living costs and led communications at multinational finance forums like the G20 and APEC. Follow Sally on LinkedIn.

Latest in health insurance

2024 Health Insurance Award Winners

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What is private health insurance?

Private health insurance is a type of insurance policy that provides cover for a variety of healthcare options and medical expenses, including costs that Medicare may not cover.

Australians wanting to buy private health insurance can choose hospital cover, extras cover, or a combined policy that includes both.

What are the benefits of private health cover?

Hospital cover

Hospital cover allows a patient to be treated in a private hospital, or to be treated as a private patient in a public hospital, generally with their choice of doctor. It can also cover a portion of the medical expenses involved when you’re admitted to hospital. Hospital policies are offered under “tiers” based on the categories of treatments they cover. Read more about the main tiers Gold, Silver, Bronze and Basic.

Extras cover

Extras cover helps with the expenses of other health services that Medicare does not cover. This could include allied healthcare, such as physiotherapy, chiropractic treatment, dental treatment, glasses and contact lenses. Some policies may also cover lifestyle benefits, such as gym memberships. Read more about extras cover.

Dental cover

Dental cover can help cover general dental treatments such as check ups, cleaning and fillings. It can also cover major dental procedures such as root canals and dentures. Read more about dental cover.

Medicare Levy Surcharge

The Medicare Levy Surcharge is a charge of up to 1.5% that is levied on Australian taxpayers who don’t have hospital cover and earn above a certain income. Read more about the Medicare Levy Surcharge.

Lifetime Health Cover Loading

The Lifetime Health Cover loading is designed to encourage Australians to take out hospital cover when they are young. It charges you a premium loading if you take out cover after your 31st birthday. Read more about the Lifetime Health Cover loading.

Private Health Insurance rebate

The private health insurance rebate can help you save on your health insurance premiums, depending on your age and how much you earn. Read more about the private health insurance rebate.

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Looking for the best health insurance?

So how can you find the best health insurance policy for you? A good place to start when comparing private health insurance could be to work out what types of cover or other policy factors are important to you.

Health insurance has different levels of cover suited to different life stages and needs. For example, you may need a hospital policy that covers a particular medical condition, or you may want to ensure you have help paying for your children’s dental work. When considering your health insurance needs, questions you may like to consider could include:

  • What health insurance life stage are you at? (e.g. are you single, in a couple, or part of a family with children?)
  • Do you want extras cover? If so, what services do you spend money on now? What might you need in the future?
  • Do you or your family have any pre-existing conditions that need to be included in the cover?
  • What is your budget for premiums and excess payments?

Once you know what policy inclusions are important to you, the excess you are comfortable with and the premium price you can afford, it’s time to compare your options. Canstar can help you compare health insurance providers and make a shortlist of policies that could suit your needs the best, based on features and price.

How does Canstar compare health insurance?

Canstar compares thousands of eligible health insurance products. Every year, we perform a detailed analysis to help you choose a health insurance policy that includes hospital cover, extras cover, or both hospital and extras cover, to suit your household needs and budget.

Whether you’re looking for singles health insurance, couples health insurance, student health insurance, family cover or overseas visitors health insurance, Canstar can help.

Looking for cheap health insurance?

If you want a cheap health insurance policy, a good first step may be to compare premium quotes from a range of providers based on the level of cover you need. It’s important to also factor in the inclusions and exclusions for each policy you’re considering when shopping around. A cheap health insurance policy might save you money each month, but it’s important to make sure you have the hospital or extras cover you might need to avoid any surprises in the future. Is there a trade-off when it comes to the number of conditions and treatments you’re covered for, compared to a more extensive policy that may cost more? For example, for a cheap health insurance option you might decide on a Basic level hospital policy, but this would likely offer less cover than a Bronze, Silver or Gold policy would. It’s important to check your policy’s cover limits and excess too, so you’re aware of what you might need to pay out-of-pocket if you have to make a claim. It can also be a great idea to read through the Private Health Information Statement and other key documentation for your policy, to help with your decision-making.

What’s new in health insurance in June 2025?

  • Households are in for greater financial strain from April 1 as private health insurance hikes kick in, with customers facing average price rises of 3.73% – the steepest increase since 2018.
  • In a small additional sting for policyholders, the government’s private health insurance rebate has dropped down a notch, decreasing from a maximum of 24.608% to 24.288% for Australians under 65.
  • As a result, Canstar analysis shows someone with a single gold hospital policy previously paying $2,896 a year, could be staring down the barrel of a $121 price hike from April 1 if their premium rises by 3.73%.
  • A Canstar survey found that one in three Aussies with private health insurance have never switched providers, but that the majority who did switch in the last year ended up reducing their costs by $78.50 per month.
  • Canstar’s data insights director Sally Tindall says Aussies may be able to “minimise” the fallout from April 1 and potentially even save money just by switching insurers.
  • Australia’s second-largest private hospital operator, Healthscope, which treats around 650,000 Australians each year, has entered receivership, although staff and patients have been assured that facilities will remain open until a buyer is found.
  • Healthscope, which operates 37 private hospitals around the country, say that while its parent companies are in receivership, the operational business that runs the hospitals itself is not, and business as usual can continue with no closures or redundancies.
  • The Commonwealth Bank has offered an additional $100 million in loan funding to help keep the company’s hospitals running while administrator McGrathNicol seeks a buyer, with an announcement expected by mid-August.
  • Last year, Healthscope threatened to tear up its contracts with insurers including BUPA, following a dispute over fees, potentially exposing Aussies to hefty out-of-pocket fees in hospital, but this dispute was resolved in January.

About the authors


Author: Josh Sale

Joshua Sale, Ratings ManagerAs Canstar’s Ratings Manager, Josh Sale is responsible for the methodology and delivery of Canstar’s Health Insurance Star Ratings and Awards. With tertiary qualifications in economics and finance, Josh has worked behind the scenes for the last five years to develop Star Ratings and Awards that help connect consumers with the right health insurance for them.

Josh is passionate about helping consumers understand their health insurance and the importance of considering the level of cover they’re getting s well as the premium they’re paying.  Josh has been interviewed by media outlets such as the Australian Financial Review, news.com.au and Money Magazine on a range of finance topics. You can follow Josh on LinkedIn, and Canstar on Twitter and Facebook.


Author: Nina Rinella

As Canstar’s Editor-in-Chief, Nina heads up a team of talented journalists who research and write articles to provide our readers with valuable insights about private health insurance. Previously Nina founded her own agency where she provided content and communications support to clients around Australia for eight years. She also spent four years as the PR Manager for American Express Australia, and has worked at a Brisbane communications agency where she supported dozens of clients, including Sunsuper and Suncorp.

Nina has ghostwritten dozens of opinion pieces for publications including The Australian and has been interviewed on finance topics by the Herald Sun and the Sydney Morning Herald. When she’s not dreaming up ways to put a fresh spin on finance, she’s taking her own advice by trying to pay her house off as quickly as possible and raising two money-savvy kids.

Nina has a Bachelor of Journalism and a Bachelor of Arts with a double major in English Literature from the University of Queensland. She’s also an experienced presenter, and has hosted numerous events and YouTube series.

You can follow her on Linkedin, or Canstar on Facebook.

You can also read more about Canstar’s editorial team and our robust fact-checking process.

Got questions? We have answers...

 


Health Insurance FAQs

Private health insurance is an optional type of insurance which allows the policyholder to be treated in the private hospital system and covers a variety of healthcare options and medical expenses, depending on the specific policy. Australians can choose between hospital and/or extras cover. Hospital policies generally include some financial cover for hospital expenses such as medical treatments, hospital accommodation bills and ambulance costs (depending on the state). Extras can include a benefit for services such as dental, optical, physiotherapy, chiropractic and a range of wider general treatments performed outside a hospital, such as pharmaceutical and psychology.

In Australia, the taxpayer-funded Medicare system covers most residents for health care and is paid for largely by the Medicare levy, which most Australians pay on their annual tax returns. However, Medicare does not cover everything. You may wish to consider a private health insurance policy to give yourself a wider range of health care options and more comprehensive cover.

Private health insurance lets you receive treatment as a private patient in a hospital and generally allows you to choose your hospital, doctor and specialist. You can also take out a health insurance policy that covers out-of-hospital services (extras) not covered by Medicare, such as general dental, physiotherapy and chiropractic, and some prescription medicines not covered by the Pharmaceutical Benefits Scheme (PBS).

There are a number of potential benefits of having private health insurance. For example, you can get a wider range of cover, choose your own doctor and avoid paying the Medicare Levy Surcharge and Lifetime Health Cover loading, if applicable.

That being said, there are also some potential drawbacks to be aware of. For example, private health insurance can be expensive and it can also come with various limits and exclusions. Read more about private health insurance and whether it is right for you and whether to seek treatment through the public or private healthcare systems.

You can compare health insurance providers with Canstar to see if you can get yourself a better deal for your specific needs and requirements. General tips to potentially save money on your health insurance premiums include mixing and matching your hospital and extras policies, ‘consciously uncoupling’ a couples policy if it leads to better value, ‘turning off’ certain items in your policy if you think you won’t need them in the immediate future, paying upfront before 1 April to ‘lock in’ a lower premium, evaluating the merits of choosing a higher excess, and taking out insurance by 1 July following your 31st birthday at the latest, to avoid Lifetime Health Cover loading. You might even try negotiating a better deal with your provider directly. Find out about some of the latest deals and offers available for health insurance.

After deciding whether to go public or private, you can identify policies that may suit you personally by comparing private health insurance. When choosing, some questions to ask yourself could include:

  1. What level or ‘tier’ of hospital cover do you want (Gold, Silver, Bronze or Basic)?
  2. What health insurance life stage (e.g. young person, senior, single, couples, families) are you in?
  3. Do you want extras cover?
  4. Do you or your family have any pre-existing conditions that you need cover for?
  5. What is your budget for premiums and excesses? Understanding the Medicare Levy Surcharge and Lifetime Health Cover benefits and loading, and finding out if you are eligible for any health insurance rebates may be helpful. You may like to find out which fund is keeping its customers the happiest, and see the winners of Canstar’s Private Health Insurance Star Ratings and Awards.

Medicare does not cover the cost of ambulances or other emergency transport. Ambulance costs are different depending on your state or territory. For example, in Queensland and Tasmania, ambulance fees are covered by the state government. In other states and territories, you can organise ambulance cover through a private health insurer or, in some places, the state ambulance authority.

An excess is the amount of money you have to pay if you make a claim on your hospital policy. You can apply an excess to your health insurance policy to make your premiums cheaper. Typically, the higher your excess is, the lower your premiums and vice versa.

You have to pay the excess to the hospital when you are admitted for treatment as a private patient. The remaining costs will be paid by Medicare and your health insurer (depending on your cover). You may need to pay out-of-pocket costs in some circumstances.

No excess applies to extras cover, but annual and sub-limits usually apply.

‘No gap’ means you don’t need to pay any out-of-pocket costs. A gap refers to the difference between your doctor or hospital fees and the amount that Medicare and/or your health insurance provider will pay.

If you are admitted to hospital as a private patient, Medicare typically pays 75% of the Medicare Benefits Schedule (MBS) fee and your health fund will pay the remaining 25%. However, a doctor or specialist may charge more than the MBS fee, and in this case you would have to pay an out-of-pocket fee.

Some health insurance providers have gap cover agreements with health care services, meaning all or some of the gap will be covered by the insurance provider.

If you are considering private health insurance for pregnancy, and looking to have your baby in a private hospital or as a private patient in a public hospital, it is a good idea to plan ahead and be aware of waiting periods. All health funds have a 12-month waiting period for pregnancy-related expenses, according to the Private Health Insurance Ombudsman, so you’ll need to have the policy for a year before you can make a pregnancy-related claim. 

It’s also important to ensure the health cover you choose suits your needs and your budget during pregnancy, as well as the delivery and post-delivery stages. You can compare family or single health insurance policies that include pregnancy services and look for a policy that best suits your needs. You may consider keeping your partner’s insurance separate until after the delivery if you want to avoid an unnecessary higher level of obstetrics cover for them, as well as for you.

You may not need to re-serve waiting periods if you switch from one health insurance provider to another, unless you add or upgrade your hospital cover, according to the Ombudsman. While providers sometimes waive two- to six-month periods on extras, it’s generally less common for longer waiting periods to be waived on pre-existing conditions, obstetrics or major dental. Insurance providers often advertise special offers for waived waiting periods in March and April, as premiums typically increase on 1 April and customers are seen as more likely to be shopping around for better value around that time.

The private health insurance rebate is money the government may contribute towards the cost of your private health insurance premiums if you earn below a maximum threshold each year. As the rebate is income-tested, your entitlement will reduce as your income increases. According to the Australian Taxation Office (ATO), you will be eligible for a rebate if you (1) hold a Medicare card; (2) have a complying private health insurance policy; and (3) have an annual income that’s $151,001 or less as a single, or $302,001 or less as a family, and meet related specific requirements.

Many Australians are eligible for the private health insurance rebate, but just how much you’ll get back depends on factors such as your income, age, and whether you are single or have a family, according to the ATO. 

Your family size can make a difference too – the family income threshold increases by $1,500 for each Medicare levy surcharge-dependent child after the first child. The private health insurance rebate tiers are grouped by ages, as under 65s, 65 to 69-year olds and 70-year-olds and above. Generally, the older you are and the less you earn, the higher your rebate will be.

At the time of writing, according to the Australian Government:

  • Single Australians earning up to $97,000 or families earning up to $194,000 may be eligible for a Base Tier rebate that varies from 24.288% to 32.385%.
  • Single Australians earning $97,001 to $113,000 or families earning $194,001 to $226,000 may be eligible for a Tier 1 rebate from 16.192% to 24.288%.
  • Single Australians earning $113,001 to $151,000, or families earning $226,001 to $302,000 for the tax year could get a rebate of 8.095% to 16.192%
  • If you earn upwards of these amounts, you are grouped in Tier 3, which doesn’t offer a rebate.

These income thresholds are indexed and will remain the same until 1 July, 2025. 

Health Insurance Articles & Guides

Canstar has a variety of articles that might be of interest to you if you are considering taking out private health insurance. Here are some links to further reading:

We compare more than 730 products from over 30 providers.

Important information

For those that love the detail

This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.

Canstar may earn a fee from its Online Partners for referrals from its website tables, and from sponsorship or promotion of certain products. Fees payable by product providers for referrals and sponsorship or promotion may vary between providers, website position, and revenue model. Sponsorship/promotion fees may be higher than referral fees. If a product is sponsored or promoted, it’s an ad and it is clearly marked as such. An ad might appear in different places on our website, such as in comparison tables and articles. Ads may be displayed in a fixed position in a table, regardless of the product's rating, price or other attributes. The location of an ad doesn’t indicate any ranking or rating by Canstar. Payment of fees for ads does not influence our Star Ratings. See How We Get Paid to find out more. Payment of fees for ads does not influence our Star Ratings or Awards.

If you click a 'book a call' button you will be redirected to ItsMyGroup Pty Ltd (ABN 85 167 289 965). If you book a call, you will deal directly with ItsMyGroup who will provide you with information and advice about health insurance policies. You will be speaking with an employee or agent of ItsMyGroup not Canstar. Canstar is not responsible to you for any advice ItsMyHealth provides to you. If you make a decision to enter into a health insurance policy, you are responsible for all fees payable in relation to that policy. Before applying for any health insurance policy, you should read and understand the product information. Consider the Product Summary to obtain full details of inclusions, exclusions, waiting periods and all limits that may apply.

Canstar is not providing a recommendation for your individual circumstances. We cannot and do not recommend that any particular product is suitable for you. 

We provide links to our Online Partners. These are brands that may pay Canstar a fee for referring you. Our tables default to display only our Online Partners’ products initially, you can adjust the Online Partner Filter to see all of the products available for comparison on Canstar’s website. We provide these links so that you can click through to the product provider’s website to get more information. The provision of these links does not constitute a recommendation by Canstar.

Any advice on this page is general and has not taken into account your objectives, financial situation or needs. Consider whether this general advice is right for your personal circumstances. You may need advice from a qualified adviser. Canstar is not providing a recommendation for your individual circumstances. If you decide to apply for an insurance policy, you will deal directly with the provider, not with Canstar.  It’s important you check product information directly with the provider. Consider the Product Disclosure Statement before making a purchase decision. For more information, read our Detailed Disclosure.

The Health Insurance Star Ratings were awarded in November 2024 and data in the table is current as at that date, updated from time to time to reflect product changes notified to us by product issuers. The results don’t include every provider in the market and we may not compare all features relevant to you. You can find a description of the initial sort order below the table. You can use the sort buttons at the top of each column to re-order the display. Learn more about our Health Insurance Star Rating Methodology. The rating shown is only one factor to take into account when considering products.

The products and Star Ratings in the table might not match your exact inputs in the selector. Sometimes the methodology uses profiles with categories or bands (e.g. income, loan amount or monthly spend), but sometimes a single methodology, without any categories or bands, is applied. The results will show the products that most closely match your selection, based on our profiles. If you are unsure about any terms used in the comparison table please refer to the glossary.

Companies listed in the table, or in ads, may use or be used by another company to arrange, issue, distribute or sell its insurance policies to customers. For more information on the issuer of the policy, please read the Product Disclosure Statement.

If you are seeking to replace an insurance policy, you should consider your personal circumstances, including continuing the existing cover until the replacement policy is issued and cover confirmed. Your current policy may have different features to products currently on the market. Please consider what features are right for you when comparing insurance products and refer to the provider for further details on a policy.

What is a Target Market Determination?

A Target Market Determination (‘TMD’) is a document that explains which people particular financial products may be suitable for (the target market) and sets out any conditions around how financial products can be distributed to consumers.

Why do product issuers provide Target Market Determinations?

From 5 October 2021, TMDs are compulsory for most financial products.

Issuers and distributors of financial products must take reasonable steps that are likely to result in financial products reaching consumers in the target market defined by the product issuer.

We recommend that you consider the TMD before making a purchase decision. Contact the product issuer directly for a copy of the TMD.