It's Healthy to Compare




CANSTAR is Australia’s leading financial services research and ratings firm.

They’ve been around for 20 years and are expert commentators on anything to do with financial services, but especially health insurance.

CANSTAR is well known for its star ratings system that is designed to help consumers find the right product. Most people do a lot of research before making a purchase and the CANSTAR star ratings can help you with this.


Every year, CANSTAR collects and analyses information for over 20,000 financial products. For health insurance alone they assess over 10,000 policy options and over 300 features in each.

Five stars are awarded to policies that represent outstanding value for money, four stars for great value, three stars for good value and so on. A five-star product could be a good basic policy at a very lean price, or it could be top quality cover for a reasonable price.

How does CANSTAR’s health star ratings work?

The star ratings are not just based on a one-size-fits-all. For private health insurance, CANSTAR has developed 8 consumer profiles:

  1. Young singles
  2. Young couples – non-obstetrics
  3. Young couples / families with obstetrics
  4. Young families – non-obstetrics
  5. Established families
  6. Single parent families
  7. Mature singles
  8. Mature couples

Feature scores are weighted based on the differing needs for each consumer profile.

The price scores don’t just account for the premium. CANSTAR undertakes a complex calculation to assess excesses, co-payments and out-of-pocket expenses.

Refer to the complete health star ratings methodology (1.6MB PDF) on CANSTAR site.

Not just any old stars…

It takes a team of 10 people several months to complete the private health insurance star ratings analysis, so you can trust the stars you’re looking at!

CANSTAR is very selective about which businesses they supply their data and ratings to. At CompareHealth we are very fortunate to be one of the few comparison sites powered by CANSTAR data. Be sure to look at the star rating when you compare.

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