Winner: Best Bronze Cover
- Winner: Best Bronze Cover 2023
- HCF's Hospital Bronze Plus covers 26 treatment categories
*Prices are based on a single person living in Sydney earning less than $90,000 per year.
The following table shows insurers from Finder partners that offer Bronze health insurance policies. All prices are based on a single individual with less than $90,000 income and living in Sydney.
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HBF's Bronze Hospital Plus policy came in second place for our bronze category. The 2022 winner costs around $22 per week and covers 26 services including gastrointestinal endoscopy, bone, joint and muscle, and kidney and bladder.
Medibank's Bronze Plus Progress policy came in third place. It costs around $21 per week and covers a wide range of treatments including treatment for back, neck and spine.
Gold-tier hospital insurance covers all 38 treatments outlined by the Australian government. This includes treatments like joint replacements, pregnancy and insulin pumps, as well as all services covered by Silver-tier policies.
Silver-tier hospital insurance covers at least 26 treatments outlined by the Australian government. This includes treatments like dental surgery, lung and chest, and podiatric surgery, as well as all services covered by Bronze-tier policies.
Basic-tier hospital insurance isn't required to fully cover any treatments outlined by the Australian government, but it does need to have restricted cover for rehabilitation, hospital psychiatric services and palliative care. Generally, Basic cover is primarily used to avoid the Medicare Levy Surcharge and Lifetime Health Cover loading.
*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 $90,000 income and living in Sydney with a $750 excess.If a policy is described as a 'plus' policy, then it will cover the minimum number of treatments for its tier, plus at least 1 treatment from the next tier up. For a full list of the treatments covered by Basic policies, click the link below.
If you're fit, healthy and don't plan on having children, a Bronze hospital policy may provide you with more than adequate cover for your needs at a pretty reasonable price. Bronze-tier policies include a range of treatments that will be useful for young people, including:
And to sweeten the deal, if you're aged between 18 and 25, insurers may offer a discount of up to 10% off your hospital premiums until you turn 40.
Bronze hospital insurance covers a range of treatments that are particularly useful for women both young and old, including:
The only caveat is that if you're planning on having a child in the private system, you'll want to consider a Gold policy. Pregnancy and birth is only covered on Gold and some Silver plus policies.
Bronze-tier policies are available for singles, couples or as family policies, and are particularly well-suited for a young family. As long as you're not expecting to get pregnant soon, Bronze coverage covers a range of common treatments for young parents (see above) and young children, including:
If you earn more than $90,000 per year, you'll be charged the Medicare Levy Surcharge. This is an additional income tax of up to 1.5%, and can easily get into the thousands of dollars, depending on how much you earn. While holding any hospital policy will exempt you from the MLS, a Bronze policy will cover you for a range of common hospital treatments at the same time.
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