Health Insurance Queensland
Health insurance varies by state, so Queenslanders will pay different premiums than Aussies in other states. No matter which state you live in, it's important to compare policies to figure out which is best for you.
How we calculate our Finder Score
The Finder Score ranks every health policy in our database on value for money. We updated this monthly with data provided by Ombudsman.
We consider the 38 hospital treatment categories, plus the covered extras categories and the total extras benefit. We also use the average price for each product. Here's the breakdown of factors we consider.
Factors that affect your health insurance premiums
- Private Health Insurance Rebate: The price of your policy can vary by over 25% due to rebate. It's mainly based on your age and income.
- Lifetime Health Cover Loading: If you don't have hospital cover after age 31, a 2% loading will be added to the price each year you don't have it.
- State: The cost of medical care is different in every state, and that's reflected in your premiums.
- Policy Excess: A policy with a larger excess will have lower premiums, but you will have more out of pocket costs when you claim.
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.
The price of hospital insurance in Queensland
Queensland hospital premiums are slightly higher than the national average. Premiums are standardised by state though, so you'll pay the same whether you live in Brisbane, Bundaberg or Bowen. The table below lists the average monthly premiums for hospital policies from each of the 4 coverage tiers with a $750 excess. The prices are for a single person earning less than $93,000 a year living in Brisbane. The numbers are updated monthly.
QLD health insurance statistics
41.4% of Queenslanders have hospital cover, while 48.2% have extras cover. That's slightly less than the national averages. See the table below for more details. These numbers come from APRA's quarterly health insurance statistics in August 2023.
|Hospital Cover||Extras cover|
Why you can trust Finder's health insurance experts
Our health insurance engine is completely free to use. You pay the same as buying directly from the health insurer. Better still, we regularly run exclusive deals that you won't find on any other site.
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and you can compare nearly every health fund in Australia on the site (and find a better deal).
Since 2014, we've helped 350,000+ people find health insurance by explaining your options simply. We'll never ask for your number or email to see prices. We're here to help you make a decision.
We're here to help
Frequently asked questions
More guides on Finder
Leave a review of Finder on productreview.com.au terms and conditions
Finder is giving away a $200 Mastercard gift card to one Finder member who writes a review that is verified and published on productreview.com.au between 27 November 2023 and 01 January 2024.
Leave a Review Terms and Conditions
Finder is giving away a $200 Mastercard gift card to one Finder member who writes a review on reviews.io during the month of November.
Score with your Credit Score Terms and Conditions
Finder is giving away a $250.00 Mastercard Gift Card on the first Monday of each month to one lucky member who checked their credit score in the prior month.
Christmas countdown: 14 million Australians already preparing for silly season
With the pandemic leaving many watching their money, Finder reveals the top 10 ways consumers are saving money this Christmas.
Finder announces launch of unique comparison and budgeting app
Find out how you can get on the waitlist for the Finder app.
Health Insurance Tasmania
Guide to finding health insurance for those living in Tasmania.
Health Insurance Victoria
If you’re looking for private health insurance in Victoria, compare the most popular health funds in your state and how much it costs to take out cover.
Health Insurance WA
Check out our list of the most popular health funds in WA and see how private health cover costs in WA compare with the rest of the country.
Compare electricity and gas plans in Sydney and NSW
Keep on top of rising energy bills. Compare and switch to a cheaper provider within minutes.