What Is Assurans? Complete Guide to the Online Insurance Platform

TL;DR

• Assurans is an Australian‑based online platform that lets you compare and buy health and personal insurance in minutes.
• Sign‑up takes under five minutes; you just need your personal details and a few health questions.
• Key perks include real‑time quotes, policy customisation, and a seven‑day cool‑off period.
• It’s cheaper than many legacy insurers, but watch out for exclusions on pre‑existing conditions.
• Use the comparison table below to see how Assurans stacks up against traditional insurers.

Understanding Assurans: What It Is and Who It Serves

When you type “Assurans” into Google, most results point to an Australian digital insurance marketplace. In plain English, it’s a website and mobile app that aggregates policies from a handful of licensed insurers and lets you buy the one that fits your life.

The service targets everyday Australians - students, retirees, families, and freelancers - who want a quick, transparent way to get health or personal insurance without hopping between a dozen providers. Because it’s fully online, you can shop from a Brisbane café, a Brisbane University lecture hall, or your home office.

Assurans focuses on three main product lines:

• Health cover: hospital, extras, and ambulance.
• Life & income protection: term life, total and permanent disability.
• General personal insurance: contents, travel, pet.

The platform also offers a small‑business bundle for entrepreneurs who need public liability and workers’ comp in a single click.

How Assurans Works: Signing Up, Getting a Quote, Buying a Policy

Using Assurans is designed to be as painless as ordering a pizza. Here’s the typical flow:

1. Create an account: Enter your email, set a password, and verify your identity with a one‑time code.
2. Tell the system about you: Age, location, any existing conditions, and what kind of cover you’re after.
3. Instant quote engine runs: Within seconds, you see a side‑by‑side list of policies that match your criteria, each with price, excess, and key benefits.
4. Customize: Add or remove extras (dental, physiotherapy, optical) and see the price adjust in real time.
5. Purchase: Pay via credit card, BPAY, or direct debit. You receive a digital policy document instantly.
6. Cooling‑off period: If you change your mind, you have seven days to cancel for a full refund.

Customer support is available via live chat, email, and a toll‑free phone line during business hours. For most users, the whole process takes under 10 minutes.

Key Features and Benefits Compared to Traditional Insurance

What makes Assurans stand out? Below is a quick snapshot of its headline features versus the old‑school approach of calling an insurer or visiting a broker.

Feature	Assurans	Traditional Insurance
Quote speed	Seconds (automated engine)	Hours to days (manual underwriting)
Price transparency	Full breakdown shown up‑front	Often hidden fees, need to ask
Policy customisation	Drag‑and‑drop extras, see price instantly	Limited options, changes require phone calls
Cooling‑off period	7 days, full refund	Varies, often 14 days but with admin fees
Customer service	Live chat + phone, 24/7 email	Phone support only, limited hours
Digital documents	Instant PDF & mobile app access	Paper mailed, delayed

Because Assurans aggregates multiple underwriters, you often get a cheaper premium - on average 12‑18% lower than the market rate for comparable cover. The trade‑off is that you’re limited to the partner insurers in their network, which currently includes four major Australian carriers.

Common Pitfalls and How to Avoid Them

Even a slick platform can trip you up if you’re not careful. Here are the most frequent mistakes and simple ways to dodge them:

• Skipping the fine print: Some policies exclude pre‑existing conditions or have lower annual benefit caps. Always scroll down to the “Policy Details” tab before you hit purchase.
• Choosing the cheapest plan without matching coverage: A lower premium may mean a higher deductible or fewer hospital nights. Use the comparison table to match your health needs.
• Forgetting to update life changes: Marriage, a new baby, or a career shift can affect your coverage needs. Log back into your account within 30 days of a major life event to adjust.
• Ignoring the cooling‑off window: You have seven days to cancel, but the clock starts the day the policy is issued, not when you receive the email. Set a calendar reminder.
• Relying on the app for emergencies: The app is great for claims and policy docs, but in a medical emergency you still need to call emergency services directly.

Pro tip: Before you finalize, run a quick “what‑if” scenario. If you had a major surgery costing $50,000, would the policy’s benefit limit cover it? If not, consider a higher tier.

Frequently Asked Questions About Assurans

Below are the questions most people type into search after landing on the site.

• Is Assurans a broker or an insurer? It’s a broker platform that partners with licensed insurers. You buy the insurer’s policy, not Assurans’ own product.
• Can I keep an existing policy and add Assurans as a backup? Yes, you can hold multiple policies, but make sure the benefits don’t overlap in a way that causes claim confusion.
• How quickly does a claim get processed? For straightforward claims (e.g., a dented car windscreen), the digital claim portal can settle within 48‑72 hours.
• Do I need a credit check? Most health and personal insurance policies don’t require a credit check. Life insurance may involve a basic financial assessment.
• Is Assurans available outside Australia? Currently it only serves Australian residents with a valid ABN or Australian address.

Next Steps: Getting Started with Assurans Today

If you’re ready to test the platform, follow this short checklist:

1. Gather personal details: date of birth, Medicare number, and any existing health conditions.
2. Visit the Assurans homepage and click “Get a Quote”.
3. Select the type of cover you need (health, life, personal).
4. Answer the quick questionnaire; watch the price update instantly.
5. Compare the displayed options, and click “Buy Now” on the one that fits your budget and needs.
6. Save the digital policy PDF to your phone and set a reminder to review the policy after 30 days.

Should you hit a snag, the live chat button is tucked in the bottom‑right corner of every page - just type “Help me choose a plan” and a specialist will walk you through.

Whether you’re a first‑timer looking for affordable health cover or a small‑business owner needing a bundle, Assurans offers a fast, transparent way to get insured. Keep the checklist handy, read the fine print, and you’ll be set with a policy that actually works for you.