PHInsights

Data driven decision support tools for Private Health Insurance ("PHI") leaders

We deliver impartial, meticulously researched perspectives that address the most pressing issues confronting our sector. They help PHI fund leaders to enhance policyholder health outcomes, curtail premiums inflation and deliver enduring Fund sustainability.

ABOUT US

We assure PHI fund leaders that their Out of Hospital service initiatives are ROI positive and reduce outlays

A measly 0.5% ($83m) of hospital accommodation benefit outlays are invested into Hospital Substitute Services. By 2032, it should be 10-15%. If that were realised, premiums would be markedly lower and we would have greater working age policyholder participation rates. The Private Healthcare Associations conservatively estimates $1.3b pa could be saved through delivery of Out of Hospital services. PHInsights agrees that this is conservative - and we want to help funds to make this a reality to benefit their policyholders.

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Up Next

Podcast Ep # 1 Ensuring PHI Sustainability with an Out of Hospital Innovation Renaissance. PHInsights principals Dan Hilvert and Sam Holt discuss our inaugural release.

REPORTS

In the coming months we will publish data driven visual and documented reports on …

PHI sustainability

By 2032, PHI might be asking policyholders to devote 18.9 working days…

Out of Hospital Services Innovation

In spite of all the talk, just 0.53% of Hospital Treatment are go towards Hospital-Substitute ...

Out of Hospital Services

For decades, PHI has flirted with Out of Hospital (OOH) but…

Aggregators

Is it possible for a Fund to become addicted to the usage of an intermediary?…

Management expense

Curiously, some of the smallest funds have proven themselves to be the most...

Clinical innovations

We scrutinise a series of benefit outlay reducing innovations for efficacy,…

Interest rates and PHI

The cohort of people most sensitive to rate rises also happen to be crucial to PHI...

Valuing lifetime

Lifetime member models How can we quantify the average financial benefit to a fund of associated….

Next 16 Releases

RESEARCH PERSPECTIVES

We equip Private Health Insurance Fund leaders with the data tools and insights that help them to enhance policyholder health outcomes, curtail outlay inflation and deliver enduring Fund sustainability.

These data driven perspectives shed a quantitative torch on these key issues and parse options that can guide PHI leaders towards practical solutions. The perspectives we provide aim to facilitate informed decision-making, supporting stakeholders in navigating the PHI landscape.

AFFORDABILITY FOR WORKING AGE POLICYHODLERS

We are on a mission to help funds make PHI considerably more affordable for younger and working age policyholders

Why working age policyholders? Because our community rated system relies on that group turning up. In the past decade, 10.3% of them have either left us or matured into the transitional age group. Right now, with soaring interest rates, we risk seeing that cohort leave us. Hence, cost reducing innovation isn’t just an option, it's an imperative – for the sake of PHI sustainability.

PRODUCTS

We've crafted our Data Tools specifically for PHI Fund leaders, offering actionable insights supporting strategic decision-making.

Visual commercial reports

Entertaining and interactive deep data explorations parsing critical challenges…

Benchmarking Tools

Benchmarked expense components, product features, and commercial markers …

Commercial modelling templates

Return on investment calculators for outlay reduction programs, member value and…

Supply & Demand balance heat-maps

LGA coded provider distribution relative to PHI population for Specialists, GPs, Hospitals…

Consulting Services

Return on investment review of your existing or conceptualised programs…

CONSIDER MEMBERSHIP

Join us in this mission to innovate and make PHI more affordable for policyholders

PHI Fund leaders like yourself possess the unique ability to drive innovation, thereby achieving (a) improved clinical outcomes and efficacy for your claiming policyholders; (b) superior value for money for all of your policyholders and (c) enhanced contribution from PHI to our broader healthcare system. Here at PHInsights, we merely provide the data tools and insights to help you with this, but only your actions can catalyse positive change that improves the healthcare system.