- Get 8 hospital treatments for a low price
- Free dental check-ups with combined cover
If you're looking for the best health insurance in Australia, it's basically impossible to get a single answer. Hospital vs extras, price, how much you're covered for, benefit limits, waiting periods and more – there's a lot to consider.
To give you a starting point, we use extensive research and data to back the top picks on this page. Our data sources include the Finder Health Insurance Awards, the Ombudsman and APRA, plus customer reviews from the Finder Customer Satisfaction Awards.
New to private health insurance? Learn how to find the best policy for you.
Sure, there's no best health insurance for everyone. Your situation is different to your sister, your uncle or your next door neighbour. You'll all need to find the best health cover for you. That said, some statistics help us work out which Aussie health funds perform best in a few ways.
The data below comes from the Commonwealth Private Health Insurance Ombudsman (PHIO). This is a government department that processes formal complaints, investigates and audits the private health insurance industry. It's a really important job, and the team there provide great data each year in the annual state of the health funds report. The latest report came out in March 2023, giving us details about the best performing health insurance funds during 2022. We've summarised that info below.
Below are the results of the Finder 2023 Customer Satisfaction awards. These tell us which health funds Aussies think is the greatest for customer services and overall experience. We got responses from over 1000 Australians to get these results. Funds without a score didn't get enough reviews for us to be confident of the results.
|Brand||Overall satisfaction||Customers who'd recommend|
Australia has public healthcare, but there are times when private health insurance is worth it.
It's less beneficial if you're young and healthy. Even once the LHC loading that applies once you turn 31, the AMA says it's still not enough incentive to get cover early in life.
If you don't take out hospital insurance and earn over $93,000 a year ($186,000 for couples), you'll have to pay the MLS. This is a 1–1.5% tax depending on your income.
Every tier of hospital insurance has to cover a specific set of treatments in Australia: basic (0), bronze (18), silver (26) and gold (38).
Gold covers everything, including pregnancy, so is also the most expensive tier. Prices start from $162.44 a month.
Silver still covers a lot. All policies cover at least 26 hospital treatments including heart and vascular system and lung and chest.
Bronze covers at least 18 hospital treatments including joint reconstructions and ear, nose and throat.
Basic doesn't have to fully cover anything, but helps you avoid the MLS and LHC loading. Bronze policies cost just a few dollars more, so it might be worth skipping basic altogether.
Our health insurance engine makes it easy to compare policies from all of Australia's biggest funds – Medibank, Bupa, HCF, HBF and more.
1. Tell us who needs cover. You, you and your partner or the whole family?
2. Tell us what type of cover you want. Hospital, extras or combined.
3. Pop in the state you live in. This will help us show you prices.
4. Use the filters to narrow your options. Select what matters to you.
5. Compare multiple quotes. Get prices from the biggest funds and more.
Why compare health insurance with Finder?
We don't ask for your phone or email to see prices.
With 1 click, you can open your results to nearly every fund in Australia.
You pay the same price as going direct – we charge no fees.
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