Health Insurance Audit Tool - Your Health Wallet

Your Insurance Details

Current Insurer

Plan Type

Monthly Premium ($)

Out-of-Pocket Paid in Last 12 Months ($)

Services Used in Last 12 Months

Dental (cleaning, fillings, etc.)

Optical (glasses, contact lenses)

Physiotherapy

Chiropractic

Massage therapy

Hospital treatment

Mental health/psychology

No services used

Your Audit Results

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Utilisation Score

0/100

Your coverage utilization

Based on services used vs. premium paid (Industry average: 87.87% utilization)

Estimated Annual Waste

$0.00

Unused benefits that expire annually

31% of Australians have unused extras (Finder 2025)

Total Annual Cost

$0.00

Premium + out-of-pocket expenses

Based on your current premium and reported out-of-pocket costs

Value for Money

Percentage of premiums returned as benefits

Higher is better. Industry average: 87.87%

Personalized Recommendations

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Disclaimer: This calculator provides general information only and does not constitute financial advice. Figures are based on industry averages from the sources cited below. Your individual circumstances may vary. Actual costs and benefits depend on your specific plan, provider, and usage patterns. For personalized advice, consult with your health insurance provider or a financial advisor.

Data Sources & References

Utilisation Rate (87.87%)

Source: Australian Prudential Regulation Authority (APRA)

Year: 2025 (June quarter)

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Unused Benefits (31% of Australians)

Source: Finder

Year: 2025

View Statistics →

Out-of-Pocket Costs (Median)

Source: CHOICE / Australian Consumer Association

Year: 2025

View Guide →

Hospital Out-of-Pocket Average ($471.29)

Source: APRA / Finder

Year: 2025 (December quarter)

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Coverage Statistics

Source: APRA

Year: 2025

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