NSW Health Insurance

Health insurance in NSW is slightly more expensive that the national average. Compare extras cover from just $4 per week and hospital cover from just $20 per week.

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What you need to know

  • The largest health funds in NSW are Bupa (24.4%), Medibank (23.1%) and HCF (20.1%).
  • NSW residents are more likely to have hospital cover than the average Australian.
  • The cost of health insurance in NSW is more expensive than the national average, but about the same price as Queensland, South Austrlaia, and Victoria.

Compare NSW health insurance

If you're ready to comparing health insurance, the table below features some good value policies in NSW from Finder partners.

Name Product Hospital treatments Extras included Hide More Info Button Hide CompareBox Price Per Month Apply
HCF My Future 250 Basic Plus
    • 14 hospital services
    • Ear, nose and throat
    • Joint reconstructions
    • Dental surgery
    • $600 Combined extras limit
    • Physiotherapy
    • Chiropractic
HCF members can get loyalty rewards and discounts across Australian stores.
Frank Freedom Saver Flexi-Bundle (Basic+)
    • 9 hospital services
    • Plus theatre surgery costs and shared or private room
    • Emergency ambulance
    • $700 combined extras limit
    • Plus 100% back on $150 Optical
HBF Bronze Hospital Plus + Flex 50
    • 28 hospital services
    • Ear, nose and throat
    • Joint reconstructions
    • Dental surgery
    • $800 Combined extras limit
    • Physiotherapy
    • Chiropractic
ahm lite flexi bronze plus
    • 24 hospital services
    • Ear, nose and throat
    • Joint reconstructions
    • Dental surgery
    • $800 Combined Routine dental
    • Physiotherapy
    • Chiropractic
Want 6 weeks free? Plus, any 2&6 month waits on extras waived. New joins on eligible hospital & extras by Jan 13. Find out how. Promo Code: 6WFREEWW
Medibank Bronze Everyday + Top Extras
    • 19 hospital services
    • Bone, joint and muscle
    • Eye (not cataracts)
    • Hernia and appendix
    • Ambulance services
    • $800 General dental
    • $200 Optical
Join eligible Medibank hospital and extras cover by December 30 you could get 6 weeks free plus 2&6 month waits waived on extras. New members only. Promo code 6FREE. T&Cs apply. Find out more.
Peoplecare Bronze Hospital  & Mid Extras
    • 24 hospital services
    • Eye (not cataracts)
    • Pain management
    • Bone, joint & muscle
    • $200 Optical
    • $300 Pharmacy
    • Ambulance
Finder Exclusive: Get 6 weeks free + Waive 2 & 6 months waiting periods.
Qantas Silver Hospital + Lifestyle Extras
    • 32 hospital services
    • Emergency ambulance cover
    • Dental surgery
    • Palliative care
    • $600 General dental
    • $350 Physiotherapy
    • $300 Chiro & Osteo
Get up to 100,000 Qantas Points when you join. Offer ends 31 January. Eligibility criteria and T&Cs apply.

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 does health insurance cover in NSW?


Hospital only

Hospital cover helps pay for treatment in a NSW private hospital.

Learn more


Extras only

Extras helps pay for treatment outside of hospitals, such as optical, dental and physio.

Learn more



Combined hospital and extras cover helps pay for both hospital treatment and the cost of extras.

Learn more

The price of health insurance in NSW

Health insurance is highly regulated in Australia, so each policy has a standard price. However, policy prices do vary by state, thanks to different taxes and duties, as well as the cost of private hospital care.

In NSW, the cost of private health insurance is pretty typical. We compared around 12,000 different price points for singles cover, and NSW had an average monthly premium of $134.15 (before rebates). This is higher than the average of $128.08, but around the same as states of similar size. If you're specifcally after cheap health insurance, click here.

StateAverage premium

*Prices are an average of over 12,000 price points in each state for singles hospital insurance and combined policies, with no rebates or discounts applied. Not all policies on the market were compared.

NSW health insurance statistics

The table below has some of the most interesting details about health insurance in NSW. The numbers come from 2020 health insurance data from APRA.

People with hospital cover (#)3,725,00011,336,000
People with hospital cover (%)45.6%44.1%
Annual change in coverage (%)0.8%0.9%

The largest health funds in NSW

The table below lists the 10 largest health funds in NSW, according to market share across the state. These numbers come from the Commonwealth Ombudsman 2020 State of the Health Funds Report. A high market share doesn't directly equate to quality, but it may be something to consider if you appreciate the support of a popular fund.

Health fundMarket share in NSW
Teachers Health*5.10%
Australian Unity1.40%
Defence Health*1.20%

*Restricted fund

Frequently asked questions

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