Tiers live averages

Gold health cover

Gold hospital cover

Gold-tier hospital insurance covers all 38 treatments outline by the Australian government. This includes joint replacements, pregnancy, insulin pumps and other treatments, as well as all services covered by silver-tier policies.

Average premium: $250.49 a month for a single policy.*
Lowest premium: $186.31 a month for a single policy.*

Silver health cover

Silver hospital cover

Silver-tier hospital insurance covers at least 26 treatments outlined by the Australian government. This includes treatments such as dental, lung and chest and podiatric surgeries, as well as all services covered by bronze-tier policies.

Average cost: $153.83 a month for a single policy.*
Lowest premium: $112.24 a month for a single policy.*

Bronze health cover

Bronze hospital cover

Bronze-tier hospital insurance covers at least 18 treatments outlined by the Australian government. This includes joint reconstructions, ear, nose and throat as well as gynaecology treatments, plus all services covered by basic-tier policies.

Average cost: $100.04 a month for a single policy.*
Lowest premium: $88.7 a month for a single policy.*

Basic health cover

Basic hospital cover

Basic-tier hospital insurance isn't required to fully cover any treatments outlined by the Australian government, but it needs to have restricted cover for rehabilitation, hospital psychiatric services and palliative care. Basic cover is primarily used to avoid the Medicare levy surcharge (MLS) and lifetime health cover (LHC) loading.

Average cost: $85.35 a month for a single policy.*
Lowest premium: $76.15 a month for a single policy.*

*Average prices are updated monthly, in line with Finder's database of health insurance policies. Prices are based on a single individual with less than $93,000 income and living in Sydney with a $750 excess.

Single // Hostpital // 750 excess // National:

Average premium: $129.64 a month for a single policy.*

Lowest premium: $28.65 a month for a single policy.* MARck THIS NUMBER IS MISLEADING BECVAUSE IT IS AN OUTLIER IN THE NORTHERN TERRITORY DONT USE IT

*Prices are nationally representative, based on a single individual with less than $93,000 income with a $750 excess.

Couple // Hostpital // 750 excess // National:

Average premium: $255.7 a month for a couple policy.*

Lowest premium: $57.3 a month for a couple policy.* MARck THIS NUMBER IS MISLEADING BECVAUSE IT IS AN OUTLIER IN THE NORTHERN TERRITORY DONT USE IT

*Prices are nationally representative, based on a couple with less than $186,000 income with a $750 excess.

Family // Hostpital // 750 excess // National:

Average premium: $263.96 a month for a Family policy.*

Lowest premium: $57.3 a month for a Family policy.* MARck THIS NUMBER IS MISLEADING BECVAUSE IT IS AN OUTLIER IN THE NORTHERN TERRITORY DONT USE IT

*Prices are nationally representative, based on a Family with less than $186,000 income with a $750 excess.

Single parent family // Hostpital // 750 excess // National:

Average premium: $217.47 a month for a single Parent Family policy.*

Lowest premium: $48.41 a month for a single Parent Family policy.* MARck THIS NUMBER IS MISLEADING BECVAUSE IT IS AN OUTLIER IN THE NORTHERN TERRITORY DONT USE IT

*Prices are nationally representative, based on a single Parent Family with less than $186,000 income with a $750 excess.

Average price of extras (single, all products)

NSW: $59.87

NT: $50.66

QLD: $58.2

SA: $58.45

TAS: $53.87

VIC: $58.71

WA: $56.11

more stuff

THE FOLLOWING IS ALL THE PARTIALS REQUIRED TO UPDATE THIS PAGE RELATIVELY SIMPLY.

Hospital

Extras by state:

Weekly multiplier with rebate: 0.18848
Monthly multiplier with rebate: 0.75392
Minimum: minimum="yes"

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A seasoned journalist with over 10 years of experience in news, politics and finance reporting, Tim has previously held roles at the ABC, SBS and Fairfax Media. Tim’s expert insights have been quoted in The Australian, The Daily Telegraph, The Courier Mail and more. He regularly appears on TV and radio, and has been interviewed on 7 News, Sunrise, SBS News, ABC Local, 3AW and 5AA. Tim is passionate about simplifying complex insurance topics for Australian consumers. He holds a Bachelor of Arts (Politics) from Macquarie University and a Tier 1 General Insurance (General Advice) certification, which meets the requirements of ASIC Regulatory Guide 146 (RG146). If you’re interested in a media interview with Tim, please reach out to our PR team at aupr@finder.com. See full bio

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