Platform Features
Health Switcher delivers fast, accurate recommendations across 117,625+ products
Products
Hospital, Extras, Combined, Combo
Funds
All major Australian insurers
Scoring Components
Needs, Value, Limits, Strategic Fit
Type what you need. Get what you need.
No forms, no dropdowns, no rigid filters. Just type customer requirements in plain English.
Our AI understands fund names, tiers, states, budgets, coverage needs, and more — extracting every parameter automatically and showing them as editable tags.
Example query:
"Bupa Gold family VIC $350/fn"
What the AI does
Natural language input
Type in plain English — fund, tier, state, budget, services
Automatic parameter extraction
AI reads your text and pulls out every parameter as editable tags
Simultaneous dual search
Product database + Combo Engine run simultaneously across all 34 funds
Scored & ranked results
Every result scored and ranked for needs, value, limits, and strategic fit
Voice input
Hands-free parameter capture during live consultations, so consultants can keep eye contact with the customer instead of typing.
Combo Engine ★
Finding the best Hospital + Extras pairing shouldn't require thousands of manual comparisons
The Challenge
Most customers need both hospital and extras cover. With 117,625 products across 34 funds, there are tens of thousands of possible Hospital + Extras combinations.
Manually finding the optimal pairing — balancing coverage, value, and strategic fit — is nearly impossible.
The Solution
No other platform in the Australian market evaluates Hospital + Extras pairings at this scale.
Health Switcher's Combo Engine evaluates tens of thousands of Hospital + Extras pairings from the same fund simultaneously.
It automatically surfaces the best-matched pair based on customer needs, coverage gaps, and value optimisation — handing your consultant a starting point that would take hours to assemble manually.
Product Types Evaluated
Hospital
Surgery, overnight stays, day procedures. No extras.
Extras
Dental, optical, physio, chiro, psychology and more.
Combined
Single bundled policy — hospital + extras, one premium.
Combo ★
Best Hospital + Extras pair from the same fund, auto-matched by our engine.
Where AI ends and your expertise begins
Health Switcher is a tool for professional advisers — it does the heavy lifting so consultants can focus on what matters most: the customer.
What Health Switcher handles
Policy identification
Interpreting fragmented information and finding the current policy from 117,625+ options
Market-wide comparison
Comparing against all available policies to find the best matches for customer needs
Match scoring & ranking
Evaluating policies across needs coverage, value, limits, and strategic fit
Premium calculations
Automatic rebates, loadings, and age discount calculations for accurate pricing
Consultation scripts & talking points
AI-generated scripts, coverage comparisons, and recommendation rationale
What consultants handle
Customer relationships
Building trust, understanding unique circumstances, and providing personal advice
Consultation & advice delivery
Explaining recommendations, answering questions, and guiding decision-making
Final recommendation approval
Reviewing AI suggestions and making the final professional judgement call
Conversion & closing
Converting leads, processing applications in existing workflows, and finalizing sales
Compliance & documentation
Ensuring advice meets regulatory requirements and maintaining proper records
AI for speed and accuracy. Consultants for conversion and trust.
As an embedded tool, Health Switcher handles the time-intensive matching and analysis work — delivering accuracy, speed, and better outcomes. But the consultant remains essential: they deliver the advice, build the relationship, and close the sale within existing processes.
Transparent match scoring
Every matched policy is scored across four weighted components, so consultants can easily see match quality by component and overall — with results ranked from best fit to alternatives
Needs Coverage
How well the policy covers customer requirements
Value Optimisation
Premium efficiency and coverage-to-cost ratio
Service Limits
Annual caps, sub-limits, and coverage restrictions
Strategic Fit
Alignment with preferred partners and business goals
Match Quality Indicators
70%+ Strong match
Excellent coverage and value alignment
55–69% Tradeoffs
Good match with some compromises
40–54% Gaps
Meets minimum needs with notable gaps
<40% Weak
Poor alignment with customer requirements
Configurable weighting for your business
Weights are configurable. Broker groups can dial up Strategic Fit for panel-first workflows, or run market-wide for unrestricted comparison.
Automatic premium calculations
Government rebates, LHC loadings, and age discounts calculated instantly for every recommendation
Government Rebate
Income and age tested. Base tier under-65s receive 24.608% rebate off base premium.
LHC Loading
2% per year over 30 without cover, capped at 70%. Averaged for couples. Lifetime Health Cover penalty.
Age Discount
10% if joined at 18–25. Held until age 40, then reduces 2%/yr to zero.
Worked Example
28 year old, joined at 25, $95K income, 0% LHC loading
AI-powered consultation scripts
Compare current vs. recommended policies with automatically generated talking points and recommendations
Side-by-Side Comparison
Select 2+ policies and Health Switcher automatically generates a comprehensive comparison including:
AI-written talking script for consultant delivery
Coverage gaps and improvements highlighted
Key selling points for recommended policy
Clear recommendation with rationale
Premium comparison with adjustments breakdown
Dollar-value benefits, not just feature lists
Every comparison quantifies the upgrade in dollars where possible — higher annual limits, included services, premium savings — so the customer hears the value, not just the features.
Annual limit increases shown as dollar values (e.g., "$500 → $1,000 dental limit")
Premium savings calculated with all adjustments applied
New services valued where possible (e.g., "Adds $800 optical coverage")
From raw data to client-ready recommendation
Health Switcher handles the analysis and generates consultation-ready scripts, so you can focus on delivering advice and building client relationships.
Early access program
We're currently partnering with a small number of broker groups and integration partners. Complete the form to register your interest and we'll be in touch to discuss how Health Switcher can fit into your business.
Priority access for early adopters
Dedicated onboarding support
Flexible deployment options
Input into product roadmap