Bronze health insurance

Thanks to recent health insurance reforms, it's easy to find hospital cover that suits you. Bronze-tier policies are consistent between funds, covering a standard set of medical treatments. That makes it simple to compare health insurance policies.

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Best Bronze health insurance: Finder Awards 2020

Below you'll find the finalists from the 2020 Finder Awards. Each policy was chosen based on criteria such as the excess/co-payment amount, number of associated (agreement) hospitals, treatments covered in public or private hospitals, waiting periods and annual benefit limits.

Pros and cons of Bronze health insurance

Pros

  • Covers a wide range of common hospital treatments at an affordable price
  • Includes cover for joint reconstructions, diabetes management, and miscarriage and termination of pregnancy
  • Lots of 'Bronze plus' policies exist that give you access to specific Silver treatments on top of standard Bronze coverage

Cons

  • Not as comprehensive as either Silver or Gold cover
  • Doesn't cover some important treatments like pregnancy and birth, joint replacements or hospital dental surgery
  • If you only need hospital insurance to avoid the Medicare Levy Surcharge or Lifetime Health Care loading, you can save by opting for a Basic policy instead

Compare more Bronze health insurance policies

The following table shows insurers from Finder partners that offer Bronze health insurance policies.

Name Product Hospital Services Cancer Dental Surgery Eye (not cataracts) Joint reconstructions Medically necessary plastic surgery Price Per Month Hide CompareBox Apply
HBF Bronze Hospital Plus
28
$84.18
Medibank Bronze Plus Progress
32
$86.35
Qantas Bronze Hospital Plus
23
$87.45
ahm starter bronze
18
$86.10
Frank Private Hospital (Bronze)
21
$89.60
HCF Hospital Bronze Plus
25
$86.85
Peoplecare Bronze Hospital
22
$97.60
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Compare up to 4 providers

Quotes are based on a single individual with less than $90,000 income, $500 excess and living in Sydney.

What are the hospital health insurance tiers?

Each of the different health insurance tiers has to cover a standardised set of treatments. Here's a quick summary of each tier.

Gold health cover

Gold hospital cover

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.
Typical cost: From around $160/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 like dental surgery, lung and chest, and podiatric surgery, as well as all services covered by Bronze-tier policies.
Typical cost: From around $115/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 treatments like joint reconstructions, gynaecology, and ear, nose and throat, as well as all services covered by Basic-tier policies.
Typical cost: From around $80/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 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.
Typical cost: From around $75/month for a single policy.

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 Bronze policies, click the link below.

Who might need Bronze cover?

Young single icon

Young people

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:

  • Joint reconstructions
  • Bone, joint and muscle
  • Digestive system
  • Male reproductive system

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.

Woman icon

Women

Bronze hospital insurance covers a range of treatments that are particularly useful for women both young and old, including:

  • Breast and ovarian cancer treatment
  • Breast reconstruction
  • Gynaecological services
  • Miscarriage and termination of pregnancy

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.

family icon

Young families

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:

  • Ear, nose and throat
  • Tonsils, adenoids and grommets
  • Bone, joint and muscle

Rich person icon

High income earners

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.

Compare Bronze health cover from 30+ providers

You can use this free tool to compare health insurance policies from 30+ Australian providers. Once you have your initial results, use the filters to see just Bronze policies.

Bronze hospital insurance: Frequently asked questions

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