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

Cheap health insurance

Our team compared hundreds of health insurance policies to find some of the cheapest in Australia, starting from around from $23 a week for a great combined policy.

Top pick:
Cheap award winner
Basic Hospital Plus Elevate $750/$1500 Excess
  • Cheap cover with more inclusions (Finder Award winner)
  • Covers 15 treatments
Top pick:
Cheap basic
Basic Accident Only Hospital $750 Excess
  • Joint cheapest hospital policy on Finder*
  • Avoid paying the Medicare Levy Surcharge
Top pick:
Cheap combined cover
starter bronze + black 50 saver
  • Cheaper hospital and extras cover than most insurers
  • Covers 18 hospital treatments + 3 extras services
Top pick:
Cheap bronze
HCF HOSPITAL BRONZE PLUS $750 EXCESS
  • 25 hospital treatments – 7 more than bronze
  • One of the cheapest bronze policies on Finder

Cheap health insurance: top picks

To help you find a cheap policy, our health insurance team has analysed hundreds of policies from over 40 funds, as well as the latest Ombudsman report. We've narrowed it down to a handful of policies

Why you can trust our research

400+
policies assessed
46
health funds analysed
80+
hours of research
765
customers surveyed

Cheap award winner

Basic Hospital Plus Elevate $750/$1500 Excess

From

$22.01

/week

Hospital only

From

$22.01

/week

Cheap basic hospital insurance

Basic Accident Only Hospital $750 Excess

From

$19.48

/week

Hospital only

From

$19.48

/week

Cheap combined hospital and extras insurance

starter bronze + black 50 saver

From

$25.63

/week

Hospital and Extras

From

$25.63

/week

Cheap bronze hospital insurance

HCF HOSPITAL BRONZE PLUS $750 EXCESS

From

$22.45

/week

Hospital only

From

$22.45

/week

Cheap family health insurance

Bronze Hospital $750 Excess + Dental Boost

From

$33.06

/week

Hospital and Extras

From

$33.06

/week

Simple Extraction
Looking for cheap extras cover?
If you don't want hospital cover, it's possible to get extras insurance from around $4 per week. It can you for out of hospital treatments that Medicare won't, such as dental, physio and optical.

Compare cheap health insurance in Australia

Below are some cheap health insurance policies from Finder partners. Each tab lists extras, hospital or combined policies from cheapest to the most expensive. All prices are based on a single individual with less than $93,000 income and living in Sydney.

1 - 30 of 458
Name Product Treatments Price Apply
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
Get 6 weeks free on eligible combined Hospital and Extras cover. Domestic policies only. Terms and Conditions apply.
$89.98
per month
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
$90.77
per month
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Get 6 weeks free on eligible combined Hospital and Extras cover. Domestic policies only. Terms and Conditions apply.
$93.00
per month
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Get up to 8 weeks free? For new joins by Dec 13 who maintain eligible combined hospital & extras. T&Cs apply. Learn more.
$94.50
per month
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
Get 6 weeks free on eligible combined Hospital and Extras cover. Domestic policies only. Terms and Conditions apply.
$94.84
per month
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +5 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
Get 6 weeks free on eligible combined Hospital and Extras cover. Domestic policies only. Terms and Conditions apply.
$94.92
per month
starter flexi basic
Basic$750 excess
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +3 other treatments covered
Get up to 8 weeks free? For new joins by Dec 13 who maintain eligible combined hospital & extras. T&Cs apply. Learn more.
$95.67
per month
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Get up to 8 weeks free? For new joins by Dec 13 who maintain eligible combined hospital & extras. T&Cs apply. Learn more.
$97.44
per month
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Get 6 weeks free on eligible combined Hospital and Extras cover. Domestic policies only. Terms and Conditions apply.
$97.86
per month
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +5 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Get 6 weeks free on eligible combined Hospital and Extras cover. Domestic policies only. Terms and Conditions apply.
$97.93
per month
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +2 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Get up to 8 weeks free? For new joins by Dec 13 who maintain eligible combined hospital & extras. T&Cs apply. Learn more.
$98.27
per month
starter flexi basic
Basic$500 excess
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +3 other treatments covered
Get up to 8 weeks free? For new joins by Dec 13 who maintain eligible combined hospital & extras. T&Cs apply. Learn more.
$99.71
per month
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +5 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
Get 6 weeks free on eligible combined Hospital and Extras cover. Domestic policies only. Terms and Conditions apply.
$99.82
per month
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +2 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
$99.93
per month
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +3 other treatments covered
Get 6 weeks free on eligible combined Hospital and Extras cover. Domestic policies only. Terms and Conditions apply.
$101.25
per month
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +16 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Get up to 8 weeks free? For new joins by Dec 13 who maintain eligible combined hospital & extras. T&Cs apply. Learn more.
$102.53
per month
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +5 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Get 6 weeks free on eligible combined Hospital and Extras cover. Domestic policies only. Terms and Conditions apply.
$102.83
per month
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +5 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +5 other treatments covered
Get 6 weeks free on eligible combined Hospital and Extras cover. Domestic policies only. Terms and Conditions apply.
$103.29
per month
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
$103.48
per month
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +5 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +8 other treatments covered
Get 6 weeks free on eligible combined Hospital and Extras cover. Domestic policies only. Terms and Conditions apply.
$103.51
per month
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +20 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
Get 6 weeks free on eligible combined Hospital and Extras cover. Domestic policies only. Terms and Conditions apply.
$103.89
per month
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +2 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
$104.72
per month
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +2 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
$104.98
per month
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +3 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +5 other treatments covered
$105.62
per month
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +2 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Get up to 8 weeks free? For new joins by Dec 13 who maintain eligible combined hospital & extras. T&Cs apply. Learn more.
$105.81
per month
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +3 other treatments covered
Get 6 weeks free on eligible combined Hospital and Extras cover. Domestic policies only. Terms and Conditions apply.
$106.11
per month
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +5 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +3 other treatments covered
Get 6 weeks free on eligible combined Hospital and Extras cover. Domestic policies only. Terms and Conditions apply.
$106.19
per month
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +12 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
$106.79
per month
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +20 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Get 6 weeks free on eligible combined Hospital and Extras cover. Domestic policies only. Terms and Conditions apply.
$106.91
per month
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +3 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +3 other treatments covered
Get 6 weeks free Plus, any 2 & 6 month waits on extras waived. New joins on hospital & extras by 31 December 2023. Find out how.
$107.13
per month
loading
1 - 17 of 43
Name Product Treatments Price Apply
Flex 50
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +3 other treatments covered
$34.27
per month
Flex 60
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +3 other treatments covered
$48.18
per month
Simple Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy