Fair Health Care

What Fair Health Care does

Fair Health Care Pty Ltd, trading as Fair Health Care Alliance and Fair Health and Life, is an Australian private health insurance comparison and advisory service founded in 2017 by Aaron Savrone and headquartered in Melbourne. The company operates a free, advisor-led comparison platform that helps Australian consumers compare policies across more than 40 health funds, supported by a Progressive Web App, online needs questionnaire, and phone-based advisory service (1300 955 691). FHCA is compensated by private health insurance funds on its panel when it introduces new members, in compliance with the Private Health Insurance Intermediaries Code of Conduct, and is the only health insurance comparison service endorsed by the Australian Dental Association since 2018.

The company has built a B2B merchant channel — the Merchant Portal — used by over 1,000 health practices (dentists, physiotherapists, chiropractors, mortgage brokers, and financial advisers) at $99 per practice per month. The portal bundles a QR-code patient referral system, a Loyalty & Rewards program, and a Health Savings Account (HSA) product whose funds are held in a Corporate Collective Investment Vehicle with AFSL oversight. Beyond the core PHI comparison, FHCA has extended into life insurance advisory (Term Life, TPD, Income Protection, Trauma) through authorised representatives of Ingenious Brokers Pty Ltd (AFSL 538868), and lists supplementary comparison services for energy, solar, NBN, and financial products on its product surface.

The business is privately held with 1-10 employees, no disclosed institutional funding or parent company, and no publicly reported revenue. Distribution leans heavily on organic SEO, content marketing, the ADA endorsement, and the practice referral network rather than paid acquisition. The Merchant Portal subscription and HSA float represent early moves to diversify beyond pure commission-based revenue, while the small team and single-country footprint suggest a focused but resource-constrained operating model.

Name

Fair Health Care

Legal name

Fair Health Care Pty Ltd

Website

https://fairhealthcare.com.au

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

Fair Health Care Alliance is an Australian private health insurance comparison and advisory service, founded in 2017, that uses advisor-led phone and online consultations plus a Merchant Portal used by 1,000+ health practices to help consumers compare and switch health insurance policies across 40+ funds.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Insurance Agents, Brokers & Service (6411), Services-Health Services (8000)

akta.pro primary industry

Flexible Benefits Administration (FSA/HSA/HRA) (HLAEALAK)

Keywords

• Health insurance comparison
• Insurance brokerage services
• Private health advisory
• Life insurance advisory
• Patient referral platforms

Headquarters

HQ city

Melbourne

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Others

Revenue model

1. Commission from Health Funds: FHCA is compensated by private health insurance funds on their panel when they introduce new and valued members to those funds. As PHIIA Code of Conduct approved health advisers, they are not allowed to be biased when recommending funds based on commissions. The service is completely free for customers.
2. Merchant Portal Subscription: Health practices pay $99 per month per practice for the Loyalty & Rewards solution within the Merchant Portal. There is a reduction in cost for practices onboarding multiple locations.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Fair Health Care Alliance operates a free Australian private health insurance comparison and advisory service, matching customers to policies from 40+ health funds via an online questionnaire and phone-based advisor consultations. It also provides life insurance advisory services through authorised representatives of Ingenious Brokers Pty Ltd under the trading name Fair Health and Life, and a subscription-based Merchant Portal for health practices that includes QR-code patient referrals, loyalty program management, and Health Savings Account (HSA) tools.

Product overview

Fair Health Care Alliance operates primarily as a health insurance comparison and advisory service (trading as 'Fair Health Care Alliance'), with a secondary life insurance advisory business (trading as 'Fair Health and Life'). The core offering is a free health insurance comparison service that matches customers to policies from partnered and non-partnered health funds based on individual needs, life stage, and budget. This is delivered through an online comparison tool and phone-based advisor consultations. The company also provides a merchant platform for health practices that includes a Health Savings Account (HSA), Loyalty and Rewards Program, and Health Insurance Referral System—all accessible through a Progressive Web App. Life insurance advisory services (Term Life, TPD, Income Protection, Trauma) are provided as a separate product line through authorised representatives. The company also offers supplementary comparison services for energy, solar, NBN, and financial products.

Differentiator

Problem solved

Functional benefit

Products and services

• Health Insurance Comparison Service Free comparison service that helps Australians compare and switch private health insurance policies across partnered and non-partnered health funds. Advisors provide personalised recommendations via an online needs questionnaire or phone consultation based on individual circumstances, life stage, and budget.
• Life Insurance Advisory Services Advisory and dealing services for life insurance products including Term Life, Total and Permanent Disability (TPD), Income Protection, and Trauma Insurance. Provided through Ingenious Brokers Pty Ltd under Australian Financial Services Licence arrangements.
• Merchant Portal with Loyalty & Rewards Subscription-based web portal for health practices (dentists, physiotherapists, chiropractors, mortgage brokers, financial advisers) priced at $99 per month per practice, with discounts for multi-location onboarding. Includes QR-code patient registration tied to the practice, loyalty and rewards program administration, engagement SMS tools, and customer experience surveys.

Quantifiable outcome

• Customers have saved hundreds or even thousands of dollars annually on health insurance premiums
• +2 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

15 partnerships are on record, tiered core and minor.

• Australian Dental Association (ADA)coreGTM or Marketing Partner · 1 January 2018Formal partnership with ADA since 2018. ADA refers users to FHCA via teeth.org.au brand and Time2Switch tool. FHCA is the only health fund comparison recommended by the ADA. The partnership extends to the physiotherapy landscape as well.
• AIA Health InsuranceminorGTM or Marketing PartnerAIA Health Insurance is one of the partnered health funds on FHCA's panel. FHCA receives commission for introducing new members to AIA.
• GMHBAminorGTM or Marketing PartnerGMHBA is one of the partnered health funds on FHCA's panel. FHCA receives commission for introducing new members.
• HIF (Health Insurance Fund of Australia)minorGTM or Marketing PartnerHIF is one of the partnered health funds on FHCA's panel.
• nib Health InsuranceminorGTM or Marketing Partnernib is one of the partnered health funds on FHCA's panel.
• HCF (Hospitals Contribution Fund of Australia)minorGTM or Marketing PartnerHCF is one of the partnered health funds on FHCA's panel.
• BupaminorGTM or Marketing PartnerBupa is one of the partnered health funds on FHCA's panel.
• HBF Health InsuranceminorGTM or Marketing PartnerHBF is one of the partnered health funds on FHCA's panel.
• AHM (Australian Health Management)minorGTM or Marketing PartnerAHM is one of the partnered health funds on FHCA's panel.
• Australian UnityminorGTM or Marketing PartnerAustralian Unity is one of the partnered health funds on FHCA's panel.
• Frank Health InsuranceminorGTM or Marketing PartnerFrank is one of the partnered health funds on FHCA's panel.
• Health Care Insurance (HCi)minorGTM or Marketing PartnerHCi is one of the partnered health funds on FHCA's panel.
• Hunter Health InsuranceminorGTM or Marketing PartnerHunter Health is one of the partnered health funds on FHCA's panel.
• Australian Seniors Health InsuranceminorGTM or Marketing PartnerAustralian Seniors is one of the partnered health funds on FHCA's panel.
• 1,000+ Health Practices (Dentists, Physios, Chiros, Financial Advisers)coreChannel Partner/ Reseller/ DistributorOver 1,000 health practices including dentists, physiotherapists, chiropractors, mortgage brokers, and financial advisers trust FHCA and refer their patients/clients. These practices use the merchant portal and QR codes to facilitate referrals.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• iSelect: Largest Australian health insurance and broader financial-services comparison platform, offering online comparison and advisory across health, life, energy, and broadband. Direct head-to-head competitor to FHCA on the core health insurance comparison funnel.
• Compare the Market Australia: Australian arm of the global Compare the Market comparison brand, active in health, energy, and broadband comparison. Directly comparable as a multi-vertical consumer comparison platform with brand-led acquisition.
• Finder: Australian consumer comparison and financial-education platform covering health insurance, life insurance, banking, and energy. Comparable as a content-led comparison destination monetised via referral partnerships.
• Choosi: Australian life and health insurance comparison service that connects consumers with insurers via phone-based advice. Closely comparable advisor-led model focused on the same regulated insurance product set.
• Selectra Australia: Australian arm of global Selectra comparison group, focused on energy, telecommunications, and insurance comparison. Comparable multi-vertical comparison play overlapping FHCA's supplementary comparison categories.
• Health Insurance Comparison (healthinsurancecomparison.com.au): Niche Australian health-insurance-only comparison site offering online policy matching. Closely comparable as a focused single-vertical health insurance comparator competing for the same consumer intent.

Broad incumbents

• Canstar: Established Australian financial-product research and comparison publisher with star-rating methodology across insurance and banking. Comparable as a comparison/directory destination, but operates a broader research-led model versus FHCA's advisor-led switching service.
• Real Insurance / Insurance Line: Australian direct insurance brands owned by Hollard that sell health and life insurance direct-to-consumer, bypassing the comparison layer. Adjacent competitor for the same end consumer insurance dollar.

Emerging players

• Honey Insurance: Australian insurtech offering streamlined, app-led home and contents insurance with embedded comparison logic. Comparable as a digitally-native insurance-distribution challenger reshaping comparison-to-purchase flows.

Others

• NIB Health Insurance: One of Australia's largest private health insurers and a FHCA panel partner; not a direct competitor but a key supplier of commission revenue. Relevant as a counterparty whose direct-to-consumer investments could disintermediate comparison intermediaries.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/fairhealthcarealliance
• LinkedInlinkedin.com/company/fhyca
• Instagraminstagram.com/fairhealthcarealliance

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Fair Health Care