PHI PHI Tracker

Australian private health insurance

Know the exact day
it's worth switching funds.

PHI Tracker records your insurer and policy start date, then watches your tenure against every fund's signup-offer lookback window — so you churn for a better deal without re-serving waiting periods.

Create account See how it works →

28 insurers · 45 tracked offers · updated weekly

Your cover Example
JOINED
14 Mar 2023
STATUS
Eligible now
22 months tracked Lookback cleared
Serving the lookback window Free to switch

How it works

Three steps between you and a better deal.

  1. 01

    Track your cover

    Add your insurer and policy start date once. PHI Tracker keeps your tenure current.

  2. 02

    Compare lookback windows

    We match your tenure against each fund's signup-offer rules to find the offers you qualify for.

  3. 03

    Switch on the right day

    Get alerted the moment a switch is worth it — no manual checking of fund websites.

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