Frequently Asked Questions

What is Access 180?

Access 180 is an information service designed to help people understand how private health insurance works in Australia. It explains system structure, common terminology, and areas where people often experience confusion.

Access 180 does not sell insurance policies, recommend products, or provide personal advice.

Is Access 180 an insurance provider?

No. Access 180 is not a health insurer and does not issue, underwrite, or manage insurance policies.

Does Access 180 provide advice or recommendations?

No. Access 180 provides general, factual information only. It does not take personal circumstances into account and does not provide advice, recommendations, or opinions about what someone should choose.

Does Access 180 compare policies or prices?

No. Access 180 does not compare policies, premiums, benefits, or providers, and it does not assess value, suitability, or outcomes.

Where a person wishes to proceed beyond general information, Access 180 may refer them to an independent comparison service partner that is authorised to conduct comparisons. Any comparison occurs separately and under that service’s own terms and disclosures.

What kind of information does Access 180 provide?

Access 180 focuses on explaining how private health insurance is structured, common terms and concepts used in policies, why policies can be difficult to understand, where misunderstandings frequently arise, and what questions people often want clarified before making decisions.

The purpose is understanding, not selection.

Why is private health insurance often confusing?

Private health insurance involves layered rules, definitions, waiting periods, exclusions, and benefit structures that are not always intuitive. Policies can also differ significantly in how benefits are described and applied.

Is Access 180 free to use?

Yes. Access 180 is free to use.

There is no cost to access information on this site, and there is no charge if you choose to speak with a licensed consultant. Clients do not pay fees to Access 180 for information or for speaking with a consultant.

Will Access 180 contact me or follow up?

Yes. Access 180 operates as an outbound contact centre.

If you engage with Access 180 or request further information, you may be contacted by phone to provide general information or to facilitate a conversation with a licensed consultant. Any contact is conducted in accordance with applicable consent, privacy, and regulatory requirements.

Is Access 180 affiliated with any insurer?

Access 180 operates independently in its informational role. It does not represent insurers or promote specific insurance products through this website.

Can Access 180 tell me what cover I need?

No. Access 180 does not assess individual needs, health circumstances, or financial situations. Determining appropriate cover requires personal consideration and, where appropriate, discussion with a licensed professional.

What happens if I speak with a licensed consultant?

If you choose to speak with a licensed consultant, that conversation occurs separately and is governed by the consultant’s own authorisations, obligations, and disclosures.

Access 180 does not control the advice provided in those conversations.

Do I have to make a decision after using Access 180?

No. Access 180 is designed to support understanding only. There is no obligation to make changes or take any action.

Is Access 180 a comparison service?

No. Access 180 is an information and preparation service.

It does not operate as a comparison service and does not conduct comparisons itself. Where appropriate, Access 180 may facilitate a referral to a third-party comparison service that is authorised to provide comparisons.

Why would someone use Access 180?

People use Access 180 to gain clarity before engaging with the private health insurance system, so conversations with professionals are more informed and less overwhelming.

How is my privacy handled?

Access 180 treats privacy seriously. Details about how personal information is handled are outlined in the Privacy Statement section of the website.