You are correct Brendan. The HIA is the best website as it shows many, many, (hundreds) more policies nearer to the one you require, whereas the total health cover will only show you one from each company. Some are arguing that the HIA website might be showing too many and people get puzzled, but if they know the important items they really want in their cover, then the HIA website will show them a great many more options and they then choose what to go for. EG, don't be going for a private room in a general hospital when it's unlikely there'll be one available. Be in good humour and have no other items on your mind when you sit down to do this, you'll find it easier to complete. Another thing is, total health care are selling policies, the HIA are not.