Comparison Platforms
Power real-time product comparisons filtered by state, tier, fund, and clinical coverage — without managing your own ingestion pipeline.
Australia — Updated Monthly
Private Health Insurance
Product Intelligence API
Structured API access to the complete Australian private health insurance product register. Every product, every fund, every clinical category — queryable in milliseconds.
Use Cases
Built for everyone who works with health insurance data
From comparison sites to fund analytics teams, PHIS API replaces manual XML parsing and monthly ZIP downloads with a clean, queryable API.
Health Funds
Benchmark your products against competitors across every state and tier. Monitor clinical category coverage gaps in the market.
Brokers & Advisers
Pull product data programmatically into client tools and proposals. Always serving live, current data — not last month's spreadsheet.
Researchers & Analysts
Access the full 38-category clinical coverage matrix across all products and funds for policy research and market studies.
What's in the data
Every field from the official PHIS register
Source: data.gov.au — Private Health Insurance (PHIS). Licence: CC BY 3.0 AU — clear for commercial use with attribution.
Product details
Name, fund, state, hospital tier, premium (with and without rebate), excess type and amount, accommodation type, age-based discount flag.
38 clinical categories
Full coverage matrix per product — Covered, NotCovered, or RestrictedCover — for every category from Cardiac to Assisted Reproductive.
27 general health services
Allied health, dental, optical, physiotherapy and more — coverage type and annual limits per product.
Waiting periods
Pre-existing condition, general, psychiatric, and rehabilitation waiting periods per product.
Agreement hospitals
Per-fund hospital agreement flags — whether each hospital has an agreement with each fund in the register.
Product change history
Additive log of product additions, removals, and modifications — useful for tracking market movement over time.
Live Demo
Compare health insurers side by side
Select up to three funds, a state, and a tier. Results are pulled live from the PHIS API — no login required. Click any product to explore its full detail.
Select funds above and click Compare now to see live results.
Click any product row to explore its full details.
Pricing
Credit-based pricing — buy once, use anywhere
Start free with 500 credits every month, no card needed. Top up with one-time credit bundles when you need more. Credits never expire and work across all Data Products Factory APIs.
Free
A$0
500 credits every month, auto-refreshed on the 1st. No card required.
- 500 credits / month
- Auto-refreshed on the 1st
- Full API access
- All endpoints included
- Dashboard + usage stats
Starter
A$10 one-time
10,000 credits at $1.00 per 1k. Good for early integrations and prototyping.
- 10,000 credits
- ~5,000 product queries
- Auto top-up support
- Saved payment method
- Credits never expire
Most popular
Growth
A$45 one-time
50,000 credits at $0.90 per 1k — 10% saving over Starter.
- 50,000 credits
- ~25,000 product queries
- 10% saving vs Starter
- Auto top-up support
- Credits never expire
Scale
A$80 one-time
100,000 credits at $0.80 per 1k — 20% saving. Best value for production workloads.
- 100,000 credits
- ~50,000 product queries
- 20% saving vs Starter
- Auto top-up support
- Credits never expire
Enterprise
Custom
Volume discounts, SLA guarantees, and custom dataset requests for large organisations.
- Custom credit packages
- Negotiated per-credit rate
- SLA and uptime guarantees
- Dedicated support
- Custom dataset requests
AI Chatbot calls use 50–150 credits depending on model. Full rate card →
API Reference
Two endpoints. Clean JSON. No surprises.
Base URL: https://kmddqnrztjoubzzynmbe.supabase.co/functions/v1
GET/hospital-productsFree — No auth
Returns open hospital products. All parameters are optional.
| Parameter | Type | Description |
|---|---|---|
| state | string | NSW, VIC, QLD, SA, WA, TAS, NT, ACT, ALL |
| tier | string | Basic, BasicPlus, Bronze, BronzePlus, Silver, SilverPlus, Gold |
| fund_code | string | Fund code e.g. MBP, NIB, HCF, FAI |
| excess_max | number | Maximum excess per person |
| limit | integer | Rows per page — default 50, max 200 |
| offset | integer | Pagination offset — default 0 |
Example request
curl "https://kmddqnrztjoubzzynmbe.supabase.co/functions/v1/hospital-products?state=NSW&tier=Gold&limit=3"GET/product-coveragePaid — API key required
Returns the full 38-category clinical coverage matrix. At least one filter is required. Pass your key in the X-API-Key header.
| Parameter | Type | Description |
|---|---|---|
| product_item_id | UUID | All 38 categories for one product |
| state | string | Filter by state |
| tier | string | Filter by hospital tier |
| fund_code | string | Filter by fund |
| category | string | Single clinical category name |
| cover_status | string | Covered, NotCovered, RestrictedCover |
| limit | integer | Rows per page — default 100, max 1,000 |
| offset | integer | Pagination offset — default 0 |
Example request
curl -H "X-API-Key: dpf_your_key_here" \
"https://kmddqnrztjoubzzynmbe.supabase.co/functions/v1/product-coverage?state=NSW&tier=Gold&category=AssistedReproductive&limit=5"Data source: data.gov.au — PHIS. Licence: CC BY 3.0 AU.