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Hospital cover in Australia

Cheap hospital cover starts from around $19 a week – for higher earners, that's less than the MLS at tax time.

What you need to know

  • The cheapest hospital cover can be found from around $19 a week.
  • There are cheap policies that let you avoid the Medicare Levy Surcharge.
  • It also lets you choose your own doctor and can help you avoid long waiting lists.

Compare hospital cover from multiple funds

Here's a wide range of hospital policies from Finder partners. You can look for in-hospital benefits that are important to you by clicking "All treatments". Prices are based on a $750 excess for a single person earning less than $93,000 living in Sydney.

1 - 25 of 124
Name Product Treatments Price Apply
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
$77.92
per month
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
$79.88
per month
Basic Plus Hospital $750
Basic Plus$750 excess
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
  • +6 other treatments covered
$82.21
per month
Frank Entry Hospital (Basic+)
Basic Plus$750 excess
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
  • +5 other treatments covered
$82.48
per month
starter basic
Basic$750 excess
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
$82.71
per month
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
$82.78
per month
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
  • +5 other treatments covered
$83.46
per month
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
$83.95
per month
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
  • +8 other treatments covered
$84.51
per month
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
  • +5 other treatments covered
$85.23
per month
starter basic
Basic$500 excess
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
$85.76
per month
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
$85.82
per month
Basic Plus Hospital $500
Basic Plus$500 excess
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
  • +6 other treatments covered
$85.92
per month
essentials basic plus
Basic Plus$750 excess
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
  • +5 other treatments covered
$87.04
per month
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
  • +5 other treatments covered
$88.02
per month
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
  • +7 other treatments covered
$88.30
per month
starter bronze
Bronze$750 excess
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +14 other treatments covered
$88.70
per month
Basic Plus Hospital $750/$1500
Basic Plus$750 excess
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
  • +3 other treatments covered
$89.19
per month
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
  • +7 other treatments covered
$89.42
per month
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
  • +8 other treatments covered
$89.53
per month
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
  • +15 other treatments covered
$89.98
per month
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +18 other treatments covered
$91.11
per month
Basic Plus Hospital $500/$1000
Basic Plus$500 excess
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
  • +3 other treatments covered
$91.38
per month
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +16 other treatments covered
$91.83
per month
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
  • +7 other treatments covered
$92.18
per month
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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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What are the main benefits of hospital cover?

piggy-bank

Tax benefits

There can be tax benefits if you earn over $90k as a single person or $180k as a couple. You can avoid paying the Medicare levy surcharge with a basic hospital policy.

Lifetime health cover loading

It's cheaper to buy by age 31

The Lifetime Health Cover loading is a penalty that applies to anyone who takes out private health insurance after their 31st birthday. The loading increases by 2% for every year you don't have hospital insurance.

hourglass

Shorter waiting times

Elective surgery waiting times are typically much shorter than public hospitals. Keep in mind though that you'll have to wait 12 months if your condition is pre-existing.

surgeon

You get your choice of doctor

You often get to choose your own doctor, when you're treated and your own room in a private hospital, where possible.

Ambulance

Ambulance cover

Medicare doesn't cover ambulance transport, except in Tasmania and Queensland. A basic hospital policy can cover you though. There are also ambulance-only policies from $1.50 a week.

Finder survey: What kind of health insurance do Australians have?

ResponseMaleFemale
Hospital41.88%34.87%
Source: Finder survey by Pure Profile of 1006 Australians, December 2023

How does hospital cover work?

If you receive an in-hospital service as a private patient, Medicare typically covers 75% of the Medicare Benefits Schedule (MBS) fee. Your private health cover will pay the remaining 25%.

However, a doctor or specialist won't always stick to the MBS fee set by the government as a fair fee for a service or treatment. In this case, you'd have to pay an out-of-pocket fee known as "the gap".

Some insurers have deals with healthcare providers that mean all or some of the gap is covered by your health fund.

Hospital cover only helps with items that are on the MBS. If the treatment you want isn't on the MBS, you won't get help from private hospital cover.

How much does health insurance cost?

We ask hundreds of Australians what they're paying for health insurance every month. Here's what they told us in May 2024.
  • Basic: $110
  • Bronze: $143
  • Silver: $162
  • Gold: $197
Price based on 1,000+ responses for single hospital insurance.

What are the hospital health insurance tiers?

Each health insurance tier covers a standardised set of treatments. Here's a quick summary of each tier.

Gold health cover

Gold hospital cover

Gold-tier hospital insurance covers all 38 treatments outlined by the Australian government. This includes treatments such as joint replacements, pregnancy and insulin pumps as well as all services covered by silver-tier policies.

Average premium: $243.17 a month for a single policy.*
Lowest premium: $172.8 a month for a single policy.*

Silver health cover

Silver hospital cover

Silver-tier hospital insurance covers at least 26 treatments outlined by the Australian government. This includes treatments such as dental surgery, lung and chest and podiatric surgery as well as all services covered by bronze-tier policies.

Average cost: $153.27 a month for a single policy.*
Lowest premium: $102.5 a month for a single policy.*

Bronze health cover

Bronze hospital cover

Bronze-tier hospital insurance covers at least 18 treatments outlined by the Australian government. This includes joint reconstructions, ear, nose and throat and gynaecology treatments as well as all services covered by basic-tier policies.

Average cost: $100.45 a month for a single policy.*
Lowest premium: $88.7 a month for a single policy.*

Basic health cover

Basic hospital cover

Basic-tier hospital insurance isn't required to fully cover any treatments outlined by the Australian government, but it needs to have restricted cover for rehabilitation, hospital psychiatric services and palliative care. Basic cover is primarily used to avoid the Medicare Levy Surcharge and Lifetime Health Cover loading.

Average cost: $85.82 a month for a single policy.*
Lowest premium: $77 a month for a single policy.*

*Average prices are updated monthly in line with Finder's database of health insurance policies. Prices are based on a single individual with less than $93,000 income and living in Sydney with a $750 excess.