The key is to not be lured by the incentives and make sure the policy suits you. Father-of-two Daniel Katsogiannis made the switch to a new health fund and has now saved $40 a fortnight with more suitable coverage for his family’s needs. For a young family like Mr Katsogiannis’, they are unlikely to need cover for cataracts and hip replacements while an elderly couple won’t need pregnancy or IVF cover.