Christmas is a time when many Australians reflect on the year that’s been. It’s also an ideal time to take a close look and compare your private health insurance to ensure it has all the trimmings you need and none that you don’t.

A quick call to the HelpMeChoose.com.au team will shed light on the services you’ve used the most, those you’ve used the least, and the must-haves for the New Year. Taking this simple step may identify the need for a change of policy. Alternatively, you many need a simple update to an existing policy.

For example, has a twenty-something flown the coup during the year? You may find there are services you’re paying for you no longer need, such as podiatry, dietetics, occupational therapy and speech therapy.

Or perhaps it’s been some years since you started your family, and your brood is now complete. There could be obstetrics and pregnancy-related costs covered under your health insurance policy that you’re paying for that you no longer need.

Are there some health insurance services that you use that offer lower rebates than expected? It’s an ideal time to update your policy and potentially reduce your costs and enjoy greater benefits.

There are many reasons why having a private health insurance can be a godsend. You gain greater control over which doctor or surgeon treats you, when your treatment is scheduled and waiting times for services are shorter when compared with receiving medical treatment in the public system.

See if you can save up to 45% on your health insurance (now that's a nice bonus this Christmas!)

Call 1300 232 884, request a call back from one of our health insurance experts or use our free online comparison.