What's the best health insurance in Victoria?

It's impossible to point to one specific 'best' health insurance policy, because everyone's need are different. When you compare different health insurance policies you'll need to consider your lifestage, cover needs and budget. We can help with that, but the final decision of what is 'best' is up to you.

Is health insurance cheap in Victoria?

Unfortunatley, health insurance is more expensive in Victoria than in other states. This is because the price of health insurance varies slightly by state, for reasons including taxes and the cost of private hospital care.

Health Insurance Victoria

Who’s this health cover for?

43% of Victorians have hospital cover. 50.8% have extras cover.
Victorians are quite a bit less likely to have hospital or extras cover than the average Aussie.
The price of health insurance in Victoria is higher than almost every other state.

The price of hospital insurance in Victoria

Victorian hospital premiums are the highest in the country, which sucks. However, premiums are standardised by state, so you'll pay the same whether you live in Melbourne, Morwell or Mildura. Below are average monthly hospital premiums by tier for a single person earning less than $101,000 a year with a $750 excess. The numbers are based on the government databased in March 2026.

VIC health insurance statistics

43% of Victorians have hospital cover, while 50.8% have extras cover. That's less than the national averages, especially for extras. See the table below for more details. These numbers come from APRA's quarterly health insurance statistics in December 2025.

	Hospital Cover	Extras cover
VIC	43%	50.8%
Australia	45.6%	55.3%

	Hospital	Extras
Australia	45.6%	55.3%
NSW	47%	57.6%
VIC	43%	50.8%
QLD	41.7%	48.7%
SA	45.6%	60%
WA	54.7%	68.2%
TAS	42.8%	51.2%
ACT	54.2%	66.1%
NT	39%	44%

Compare health insurance policies in Victoria

The table below compares combined policies from Finder partners available in Victoria. It includes policies with Bronze, Silver and Gold hospital cover. It's sorted by value using the Finder score algorithm our experts use for the Finder health insurance awards. Prices are for a single person earning less than $101,000 living in Victoria, with a $750 excess - learn why this matters here.

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

There are several factors that will change the price of your health insurance premiums, whether you get hospital or extras cover. Here are the main ones to consider.

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.

8 of 316 results

Treatments	Price
Bronze Hospital Plus $750/$1500 Excess + Smart Start Extras Bronze$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +22 other treatments covered Extras General dental Major dental Optical Hearing aids +4 other treatments covered	$28.82 per week	ENDS SOON! $500 VISA CARD REWARD 1 Click here 2 Buy an eligible HBF policy 3 Get card from Finder Ends by. T&Cs apply.	+	Intro offer: Get up to 12 weeks free, plus up to $200 in gift cards and waived waiting periods on eligible extras. For new members who join by 12 May 2026 and maintain hospital and extras cover. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
simple bronze plus + value extras Bronze$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +20 other treatments covered Extras General dental Major dental Optical Hearing aids +7 other treatments covered	$29.51 per week	ENDS SOON! $300 VISA CARD REWARD 1 Click here 2 Buy an eligible ahm policy 3 Get card from Finder Ends by. T&Cs apply.	+	Get up to 12 weeks free when you join by 31 Mar 2026 on eligible combined hospital and extras cover. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
Silver Plus Classic Hospital + Freedom 50 Extras Silver$750 excess	Hospital Lung and chest Back neck and spine Cataracts Joint replacements +26 other treatments covered Extras General dental Major dental Optical Hearing aids +3 other treatments covered	$33.79 per week	Intro offer: Get up to 10 weeks free + the 2 & 6 month waits waived on extras + up to $850 Everyday Reward dollars based on your level of cover. New members only. Ends 1 Apr 2026. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
Bronze Hospital Plus $750/$1500 Excess + Flex 50 Bronze$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +22 other treatments covered Extras General dental Major dental Optical Hearing aids +7 other treatments covered	$34.05 per week	ENDS SOON! $500 VISA CARD REWARD 1 Click here 2 Buy an eligible HBF policy 3 Get card from Finder Ends by. T&Cs apply.	+	Intro offer: Get up to 12 weeks free, plus up to $200 in gift cards and waived waiting periods on eligible extras. For new members who join by 12 May 2026 and maintain hospital and extras cover. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
GMHBA Bronze Plus Advantage Hospital $750 + GMHBA Mid Extras Set Benefits Bronze$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +19 other treatments covered Extras General dental Major dental Optical Hearing aids +10 other treatments covered	$35.49 per week	Get 6 weeks free. Plus no 2 & 6 month waits on extras when you join on combined cover. For new members only on direct debit. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
Bronze Hospital Plus $750/$1500 Excess & Ambulance Care + Flex 50 Bronze$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +22 other treatments covered Extras General dental Major dental Optical Hearing aids +7 other treatments covered	$34.43 per week	ENDS SOON! $500 VISA CARD REWARD 1 Click here 2 Buy an eligible HBF policy 3 Get card from Finder Ends by. T&Cs apply.	+	Intro offer: Get up to 12 weeks free, plus up to $200 in gift cards and waived waiting periods on eligible extras. For new members who join by 12 May 2026 and maintain hospital and extras cover. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
GMHBA Bronze Plus Hospital + GMHBA Mid Extras Set Benefits Bronze$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +19 other treatments covered Extras General dental Major dental Optical Hearing aids +10 other treatments covered	$35.24 per week	Get 6 weeks free. Plus no 2 & 6 month waits on extras when you join on combined cover. For new members only on direct debit. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
HCF HOSPITAL BRONZE PLUS $750 EXCESS + HCF STARTER EXTRAS Bronze$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +22 other treatments covered Extras General dental Major dental Optical Hearing aids +4 other treatments covered	$27.64 per week	Get up to 8 weeks free after the first year, plus 2 month waiting periods waived, on eligible combined cover. Ends 20 Apr 2026. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading

Showing 8 of 316 results

Frequently asked questions

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Written by

Tim Bennett

Insurance expert

A seasoned journalist with over 10 years of experience in news, politics and finance reporting, Tim has previously held roles at the ABC, SBS and Fairfax Media. Tim’s expert insights have been quoted in The Australian, The Daily Telegraph, The Courier Mail and more. He regularly appears on TV and radio, and has been interviewed on 7 News, Sunrise, SBS News, ABC Local, 3AW and 5AA. Tim is passionate about simplifying complex insurance topics for Australian consumers. He holds a Bachelor of Arts (Politics) from Macquarie University and a Tier 1 General Insurance (General Advice) certification, which meets the requirements of ASIC Regulatory Guide 146 (RG146). If you’re interested in a media interview with Tim, please reach out to our PR team at aupr@finder.com. See full bio

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2 Responses

ChristineApril 12, 2017

To where do I post a Medicare claim?

I have tried the various electronic options and they don’t work.

For mobility reasons
I can’t get to our nearest Medicare Centre (Windsor)

Can I post the claim to your Windsor (3181) street address?

Christine

Finder

ZubairApril 12, 2017Finder

Hi Christine,

Thank you for your question.

You will need to contact Windsor Service Center directly to confirm if they have an option of claim via post. You can also call Services Australia about payments and services for Medicare.

All the best,
Zubair

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Health Insurance Victoria

Victoria is Australia’s most expensive state for health insurance, so it pays to compare. Victorians are also the less likely that average to have private health insurance in the first place!

Key takeaways