Terms & Conditions

Healthy Insurance — compare.healthyinsurance.com.au · Effective date: 28 March 2026

These Terms and Conditions ("Terms") govern your use of the Healthy Insurance website located at compare.healthyinsurance.com.au ("Website"), operated by Griffin Graphics Pty Ltd (ABN 42 658 886 036) ("we", "us", "our").

By accessing or using the Website, you agree to be bound by these Terms. If you do not agree, please discontinue use immediately.

1. General information only

The content published on this Website is for general informational purposes only. It does not constitute financial product advice, financial advice, or a recommendation of any kind.

We are not a licensed insurer, and we do not hold an Australian Financial Services (AFS) Licence. We operate as a comparison and referral service only. Any decision to purchase a health insurance product should be made based on your own assessment and, where appropriate, independent professional advice.

You should always review the relevant Product Disclosure Statement (PDS) or policy documentation before making any purchasing decision.

2. Referral service

Healthy Insurance is a comparison and lead referral platform. When you submit an enquiry or quote request:

• Your details may be passed to one or more health insurers or brokers for follow-up
• We do not guarantee that you will receive a quote, be accepted for coverage, or be offered any particular premium
• The insurer or broker you are referred to is solely responsible for the accuracy of any quotes or information they provide

We are not a party to any contract entered into between you and any insurer or broker, and we accept no liability in relation to such contracts.

3. No warranty

To the maximum extent permitted by law, we make no representations or warranties of any kind, express or implied, about:

• The completeness, accuracy, or currency of any information on the Website
• The suitability of any health insurance product for your needs
• The continuous availability or error-free operation of the Website

Information on the Website may change without notice and may not reflect the most current product offerings or pricing.

4. Limitation of liability

To the fullest extent permitted by applicable law, Griffin Graphics Pty Ltd and its directors, employees, and affiliates will not be liable for any direct, indirect, incidental, special, consequential, or punitive loss or damage arising from:

• Your use of, or inability to use, the Website
• Any reliance placed on information provided on the Website
• Any transaction or arrangement entered into with a third-party insurer or broker
• Any technical failure, interruption, or error affecting the Website

Nothing in these Terms limits liability that cannot be excluded under the Australian Consumer Law or other applicable legislation.

5. Third-party links

The Website may contain links to third-party websites, including insurer and broker websites. These links are provided for convenience only. We do not endorse, control, or take responsibility for the content or practices of any linked third-party site. You access such sites at your own risk.

6. Intellectual property

All content on the Website, including text, graphics, logos, and design, is the property of Griffin Graphics Pty Ltd or its licensors and is protected by Australian intellectual property laws.

You may not reproduce, distribute, modify, or otherwise use any content from this Website without our prior written consent, except as permitted by law.

7. User conduct

When using the Website, you agree not to:

• Provide false, misleading, or incomplete information
• Use the Website for any unlawful purpose
• Attempt to gain unauthorised access to any part of the Website or its underlying systems
• Transmit any harmful, offensive, or disruptive content

8. Privacy

Your use of the Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand how we collect and handle your personal information.

9. Changes to these terms

We reserve the right to update or modify these Terms at any time. Changes will be effective upon posting to the Website with a revised effective date. Continued use of the Website following any changes constitutes your acceptance of the updated Terms.

10. Governing law

These Terms are governed by the laws of the State of Victoria, Australia. You submit to the non-exclusive jurisdiction of the courts of Victoria for the resolution of any disputes arising under these Terms.

11. Contact us