Finder makes money from featured partners, but editorial opinions are our own.

Finder Health Insurance Awards 2024

Our experts compared 400+ policies to help you find the best health insurance products and providers of 2024.

The Finder Health insurance awards is a ratings methodology that showcases the best health insurance products based on a combined price and features score. Our methodology for this award was curated to accurately present the best health insurance options for distinct categories within private health insurance in Australia.

Best Health Fund of the year

Best Health Insurance - Overall fund of the year
HBF health insurance

HBF Health insurance

HBF is this year's 2024 Finder health insurance winner. The winner was determined by awarding points to the winners and runners-up of the gold/silver/bronze/basic awards and extras policy awards. The not-for-profit came out on top because it has some of the best value policies on the market.

Best Health Insurance - Basic Hospital

Best Health Insurance - Basic Hospital
HBF health insurance

HBF - Basic Hospital Plus Elevate

HBF's Basic Hospital Plus Elevate policy won the 2024 Finder Awards for best basic hospital policy. These awards compared all eligible basic hospital policies on the market. It won based on value for money, meaning policies that covered more treatments in a private hospital for a lower premium scored higher.

Finalist Health Insurance - Basic Hospital Highly commended

Bupa health insurance

Bupa - Basic Plus Starter Hospital

Bupa's Basic Plus Starter Hospital policy came in second place for our basic category. It costs around $19 per week and covers treatments including tonsils, adenoids and grommets, joint reconstructions and miscarriage and termination of pregnancy.

Frank health insurance

Frank - Entry Hospital (Basic+)

Frank's Entry Hospital Plus policy came in third place for our basic category. It costs around $20 per week and covers treatments including dental surgery, tonsils, adenoids and grommets, joint reconstructions, hernia and appendix, and gynaecology.

Best Health Insurance - Bronze Hospital

Best Health Insurance - Bronze Hospital
HCF health insurance

HCF - Hospital Bronze Plus

HCF's Hospital Bronze Plus policy is the 2024 Finder Award winner in our bronze category. It won based on value for money, meaning policies that covered more treatments in a private hospital for a lower premium scored higher. It scored higher than all eligible bronze hospital policies on the market.

Finalist Health Insurance - Bronze Hospital Highly commended

HBF health insurance

HBF - Bronze Hospital Plus

HBF's Bronze Hospital Plus policy came in second place for our bronze category. The 2023 winner costs around $22 per week and covers 26 services including gastrointestinal endoscopy, bone, joint and muscle, and kidney and bladder.

Medibank health insurance

Medibank - Bronze Plus Progress

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.

Best Health Insurance - Silver Hospital

Best Health Insurance - Silver Hospital
HBF health insurance

HBF - Silver Hospital

HBF's Silver Hospital policy ranked in first place out of all of the eligible silver policies we analysed as part of the awards. The not-for-profit health fund's policy costs approximately $28 per week and covers 30 treatments including heart and vascular system, back, neck and spine, digestive system and dental surgery.

Finalist Health Insurance - Silver Hospital Highly commended

HCF health insurance

HCF - Hospital Standard Silver Plus

HCF's Hospital Standard Silver Plus ranked in second place out of all of the eligible silver policies we analysed. The not-for-profit health fund's policy costs approximately $30 per week and covers treatments including digestive system, heart and vascular system and back, neck and spine.

Qantas health insurance

Qantas Insurance - Qantas Silver hospital

Qantas Silver Hospital policy ranked in third place out of all of the eligible silver policies we analysed as part of the Finder awards. The fund's policy costs around $25 per week and covers a number of treatments including heart and vascular system, digestive system and dental surgery.

Best Health Insurance - Gold Hospital

Best Health Insurance - Gold Hospital
St Lukes health insurance

St.Lukes Health - Gold Hospital

St. Lukes Health Gold hospital policy is the 2024 gold hospital winner. It covers all 38 hospital treatments for less than almost every other health insurance policy on the market.

Finalist Health Insurance - Gold Hospital Highly commended

Health Partners health insurance

Health Partners - Gold Hospital Complete

Health Partners Gold hospital policy is the 2024 runner up in our gold category. It covers all 38 hospital treatments for less than almost every other health insurance policy on the market.

HBF health insurance

HBF - Gold Hospital Elevate

HBF's Gold hospital Elevate is another highly commended brand in the 2024 gold hospital category. It covers all 38 hospital treatments and comes with several unique perks across the board.

Best Health Insurance - Core Extras

Best Health Insurance - Core Extras
Westfund health insurance

Westfund - Starter Extras

Westfund's Starter Extras option is the winner of the 2024 Core Extras category. To get our final extras insurance scores, we added together the price and features scores and weighted them 50:50. Westfund's Starter Extras came out on top.

Finalist Health Insurance - Core Extras Highly commended

Latrobe health insurance

Latrobe Health Services - Basic Extras

Latrobe's Extras option is the runner up in the 2024 Core Extras category. Costs start from around $4 a week and it covers general dental, major dental, optical and more.

ahm health insurance

ahm - choosable 60 teeth/wellbeing

Ahm's Basic Extras option is the third highest ranking Core Extras policy according to the Finder rating. Costs start from just under $9 a week and it covers general dental, major dental, Physiotherapy and more.

Best Health Insurance - Medium Extras

Best Health Insurance - Medium Extras
HBF health insurance

HBF - Flex 50

HBF's Flex 50 is the Medium Extras category winner. Starting from around $8 a week, it lets you split your $800 limit across 12 popular services including preventative dental, major dental, physio and dietetics.

Finalist Health Insurance - Medium Extras Highly commended

Bupa health insurance

Bupa - Your Choice Extras 60

Bupa's Your Choice Extras 60 is another high-ranking flexible extras option. The 2024 runner up costs around $9 a week and lets you tailor your extras cover to suit your needs. You'll receive 50% back at Bupa recognised providers on your selected services, up to your yearly limits.

Medibank health insurance

Medibank - Healthy Start Extras

Medibank's Healthy Start Extras came in third place. It costs around $6 per week, making it one of the cheapest policies available. You get a $500 combined limit on extras services such as physio, mental health support and chiro.

Best Health Insurance - Comprehensive extras

Best Health Insurance - Comprehensive extras
Latrobe health insurance

Latrobe Health Services - Core Complete Extras Package

The Comprehensive Extras category winner for 2024 is Latrobe's Core Complete Extras Package. It costs approximately $9 per week and covers all standard extras treatments, as well as nutrition, psychology, audiology, speech therapy, health appliances including blood glucose monitors and hearing aids. It also comes with unlimited emergency ambulance transportation.

Finalist Health Insurance - Top extras Highly commended

Medibank health insurance

Medibank - Growing Family 60

Medibank's Growing Family 60 is tailored towards families who plan to have children. It covers all the standard extras treatments as well as pregnancy compression garments, antenatal and postnatal services and more.

Westfund health insurance

Westfund High Extras

The third highest ranking policy in the comprehensive extras category, Westfund's High Extras policy is designed for mature singles and couples. The policy provides generous per-person limits on optical, dental, physiotherapy, chiro, and a range of other therapies.

About Finder's Health Insurance Awards methodology

Our team of experts compared 400+ policies to select our health insurance award winners for 2024.
The hospital & extras scores was informed by a mix of price and features with both variables accounting for 50% of the overall score.
The features score was calculated by the number of treatments each individual policy provides.
Our pricing score was informed entirely by the average price of each product, with policies offering the best value scoring the highest.

Health insurance methodology

Why you can trust our awards

expert advice
Expert analysis
Our Health insurance Awards winners are based on 100+ hours of data analysis of 400+ policies by our insights team and expert authors.
help
Comprehensive
We reviewed policies from 40+ health funds in Australia to highlight the best options, considering benefits, coverage, and premiums.
independent
Independent
Some winners may be partners but this never influences our decisions. All policies are based on a clear methodology and meet our editorial standards.

Explore our past award winners:

More guides on Finder

Ask a Question

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our 1. Terms Of Service and 6. Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Go to site