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Bronze health insurance

Bronze tier hospital insurance includes coverage for 18 types of private hospital treatments from around $25 a week for singles. It covers more than basic policies, but less than silver or gold.

What you need to know

  • Bronze hospital insurance helps cover 18 different treatment categories in the private hospital system.
  • The cheapest bronze policies start from around $25 a week.
  • Bronze hospital cover includes treatments like joint reconstructions, gynaecology, and ear, nose and throat.

Pros and cons of Bronze health insurance

Pros

  • Covers a wide range of common hospital treatments at an affordable price
  • Includes cover for joint reconstructions, diabetes management, and miscarriage and termination of pregnancy
  • Lots of 'Bronze plus' policies exist that give you access to specific Silver treatments on top of standard Bronze coverage

Cons

  • Not as comprehensive as either Silver or Gold cover
  • Doesn't cover some important treatments like pregnancy and birth, joint replacements or hospital dental surgery
  • If you only need hospital insurance to avoid the Medicare Levy Surcharge or Lifetime Health Care loading, you can save by opting for a Basic policy instead

Compare bronze health insurance policies

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.

Name Product Treatments Price Apply
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
Bronze Hospital 750
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
$92.14
per month
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +14 other treatments covered
$93.64
per month
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +14 other treatments covered
$93.71
per month
starter bronze
Bronze$500 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
$94.96
per month
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +14 other treatments covered
$94.97
per month
Bronze Hospital 500
Bronze$500 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
$96.98
per month
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +14 other treatments covered
$101.16
per month
Bronze Hospital $750/$1500
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
$102.68
per month
Bronze Hospital $500/$1000
Bronze$500 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
$107.70
per month
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What are the hospital health insurance tiers?

Each of the different health insurance tiers has to cover a standardised set of treatments. Here's a quick summary of each tier.
Gold hospital cover icon

Gold hospital cover

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.

Average premium: $219.35 a month for a single policy.
Lowest premium: $162.44 a month for a single policy.
Silver hospital cover icon

Silver hospital cover

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.

Average cost: $148.21 a month for a single policy.
Lowest premium: $102.50 a month for a single policy.
Bronze hospital cover icon

Bronze hospital cover

Bronze-tier hospital insurance covers at least 18 treatments outlined by the Australian government. This includes treatments like joint reconstructions, gynaecology, and ear, nose and throat, as well as all services covered by Basic-tier policies.
Average cost: $98.73 a month for a single policy.
Lowest premium: $86.34 a month for a single policy.
Basic hospital cover icon

Basic hospital cover

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 cost: $84.13 a month for a single policy.
Lowest premium: $76.90 a month for a single policy.

*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.

'Bronze plus' policies

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.

Finder award winners 2024: Best bronze hospital

Best Health Insurance - Bronze Hospital
HCF health insurance

HCF - Hospital Bronze Plus

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.

Finalist Health Insurance - Bronze Hospital Highly commended

HBF health insurance

HBF - Bronze Hospital Plus

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 health insurance

Medibank - Bronze Plus Progress

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.

Who could benefit from Bronze cover?

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.

  • Young people: If you're fit, healthy and don't plan on having children, a Bronze hospital policy may provide you with more than adequate cover for your needs. For example, bronze covers you for joint reconstructions; bone, joint and muscle; digestive system; male reproductive system and more.
  • Women: Bronze policies covers a lot of women-centric treatments including cancer treatment, breast reconstruction, gynaecologym as well as miscarriage and pregnancy termination. The only catch is it doesn't cover child birth, which is the domain of the gold tier.
  • Young families:Bronze tier policies are available for singles, couples or as family policies, and are particularly well-suited for a young family. It covers Ear, nose and throat; Tonsils, adenoids and grommets; Bone, joint and muscle and more, for a start.
  • High income earners: If you earn more than $93,000 per year, you'll be charged the Medicare Levy Surcharge if you don't have hospital cover. Any hospital policy will exempt you, but a Bronze policy will cover you for a range of common hospital treatments at the same time. Basic policies are just so awful. Please don't get one.

Who might not benefit from Bronze cover?

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.

  • People looking to get pregnant: If you want to give birth in the private system, you'll need a silver plus or gold policy that covers pregnancy and child birth.
  • People with a specific condition: If you need cover for a condition that's not covered until the silver or gold tier, then a plain Jane bronze policy ain't gonna work for you. You might be able to sniff out a bronze plus policy with cover for your condition, but if not you'll need to go up a tier or two.
  • Old folks with complex needs: As we get older, our health needs get more complex and harder to cover. If you're an older person and you want private coverage for anything that could go wrong, you might want to consider a more comprehensive policy than the bronze tier.

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