HOT TIPS

Look for an insurer that offers member discounts, such as gap-free dental, multiple policy and loyalty discounts, etc.

Couples who want pregnancy cover are potentially better off with two single policies – one with pregnancy cover and one without – rather than a couple’s policy.

Review your policy regularly (at least every six months) to ensure it is still the best value for money.

Use it or lose it. Don’t forget to use up those extras limits as they reset every year. Easy ways to get value include getting prescription sunnies, having a scale and clean at the dentist, claiming a gym membership rebate or quit smoking course, or even just having a massage.