Compare with XHP

At XHP, our mission is to enable good health and savings. With XHP, you will never waste your unused funds again.

Compare XHP with Extras cover to see how much you could save

Assumptions in this calculator:

1. Contribution Fee 1% 2. Management Fee 0.5% 3. Average GAP 48.6%

The true cost of your extras health cover is the total of the premiums paid for extras health cover and the gap paid when accessing the cover. Whilst you are healthy, most of the extras cover is not used. So over time, all the unused cover is also wasted.

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Amount paid by Extras Insurance:

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How many years do you wish to see:

Find out how much you save over time with XHP.

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So Lets Compare

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XHP

XHP - Average Spend /year

PHI

PHI - Average Spend /year

Assumptions used in the calculation for XHP are contribution fee is 1%, management fee is 0.5% charged monthly, no interest is paid, no health fund bonus is calculated. This report is based on the information you provided and is general in nature. It is not professional or financial advice and is only intened to inform you. Please seek professional advise as is relevant to your circumstance.

Extras health needs will vary over time, in this comparison the expense is calculated as an average spend per year. Though, this would be up and down depending on your health needs, e.g. your child needs orthodontic braces. As unused funds accumulate with XHP, you may be able to cover a significant part of the treatment cost compared to extras health insurance where the amount paid out is limited irrespective of the duration of cover has been held for.


However, individual circumstances and needs vary. Whilst XHP is an alternative and a way of retaining investments you make in your health it may not be suitable for everyone. You are encouraged to make an informed choice. Our aim at XHP is to enable health and save money.

XHP

Year Contribution Spend GAP Real Cost Net Position

PHI

Year Contribution Spend GAP Real Cost Net Position
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