The following table shows insurers from Finder partners that offer Bronze health insurance policies. All prices are based on a single individual with less than $93,000 income and living in Sydney.
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Gold-tier hospital insurance covers all 38 treatments outlined by the Australian government. This includes treatments like joint replacements, pregnancy and insulin pumps, as well as all services covered by Silver-tier policies.
Silver-tier hospital insurance covers at least 26 treatments outlined by the Australian government. This includes treatments like dental surgery, lung and chest, and podiatric surgery, as well as all services covered by Bronze-tier policies.
Basic-tier hospital insurance isn't required to fully cover any treatments outlined by the Australian government, but it does need to have restricted cover for rehabilitation, hospital psychiatric services and palliative care. Generally, Basic cover is primarily used to avoid the Medicare Levy Surcharge and Lifetime Health Cover loading.
*Average prices updated March 2024, 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.
If you see a policy listed as a 'Bronze Plus' policy, then it covers all the treatments required for the Bronze tier, but it also covers a few more. This is typically a treatment from the Silver tier, though it could include a treatment from a Gold tier.
Bronze Plus policies often offer really amazing value - the winner of the Finder health insurance awards in the Bronze tier is almost always a Bronze Plus policy. This is because the fund can tailor a policy to a particular type of person, rather than having that policy be dictated to by the government.
If you have a look through the policies on Finder, you might find a Bronze Plus policy that gives you treatment for one particular treatment you need from a higher tier. This means you could get the coverage you need from a higher tier without having to pay for the entire Silver or Gold tier. Nice.
HCF's Hospital Bronze Plus policy is the 2024 Finder Award winner in our bronze category. It won based on value for money, meaning policies that covered more treatments in a private hospital for a lower premium scored higher. It scored higher than all eligible bronze hospital policies on the market.
Highly commended
HBF's Bronze Hospital Plus policy came in second place for our bronze category. The 2023 winner costs around $22 per week and covers 26 services including gastrointestinal endoscopy, bone, joint and muscle, and kidney and bladder.
Medibank's Bronze Plus Progress policy came in third place. It costs around $21 per week and covers a wide range of treatments including treatment for back, neck and spine.
Bronze cover is a good starting point for anyone looking to get hospital cover. I say this because the very bottom tier - 'Basic' - doesn't have to cover anything at all! It's really only good for tax avoidance in my opinion. With Bronze, you get a decent amount of covered treatments for just a little bit more per month than a virtually junk basic policy. That said, there are different reasons you might benefit from a Bronze policy.
I can only offer you general advice, but there are certain folks who might not be best covered by a bronze policy. Here are some of them.
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