If you're looking for the best health insurance in Australia, it's basically impossible to get a single answer. Hospital vs extras, price, how much you're covered for, benefit limits, waiting periods and more – there's a lot to consider.
To give you a starting point, we've hand-picked 7 policies based on 400+ plans. Our data sources include the Finder Health Insurance Awards, the ombudsman and APRA, plus customer reviews from the Finder Customer Satisfaction Awards.
The Finder Awards for Health Insurance are run every year to find the best-value policies for hospital and extras cover. The winners are based on each product's Finder Score.
The Finder Score ranks every health policy in our database on value for money. The score factors in the 38 standard hospital treatment categories, covered extras treatments, total extras benefits and the monthly premium. Here's the breakdown of factors we consider for a combined product. For standalone extras or hospital cover, only the relevant half of the score is used.
Our product data for health insurance comes directly from the government. Specifically, the Private Health Insurance Ombudsman. Each month, the ombudsman releases raw data for all health insurance products on the market.
You can actually download this data yourself here. Unfortunately, unless you're a pro computer programmer, it's not going to be very useful! That's where we come in – our engineers turn this data into something you can actually understand. The tables of products on our site and our health insurance quiz all use this data.
The ombudsman also releases a yearly report called State of the Health Funds. We use this to understand how each fund deals with customers. The report tells us which funds receive the most complaints, which funds offer the most no-gap treatments, the percentage of revenue each fund returns as benefits and other useful info.
APRA, the Australian Prudential Regulation Authority, releases quarterly statistics about the private health insurance industry. These statistics include information like the number of people that have private health insurance in each state, how much they get back in premiums and what gap they're paying on medical treatment.
We don't always use the APRA statistics when picking a specific top pick, but they are invaluable to us when we need to understand the industry as a whole. They also help us to understand what kind of cover Australians are most likely to take out over time.
We run the Health Insurance Customer Satisfaction Awards every year to find out Australia's favourite health funds. This sees us do a massive survey asking Aussies which health funds they use, which funds they love and which funds they hate!
In 2023, we asked 765 customers about health insurance funds. We use this data to understand which funds have top customer satisfaction and customer service. We use this to justify some of our top picks.
If you want more for your money, AIA could be a good health insurer for you. You get access to AIA Vitality, money off gym memberships, cashback on Virgin flights, money off gift cards and more. The Bronze Plus policy is particularly good value. It costs around $24 per week, $3 more than the cheapest bronze option, and covers 23 hospital services (5 more than is required for a bronze policy).
You get access to AIA Vitality.
It's competitively priced.
AIA received fewer complaints than other funds offering AIA Vitality, such as GMHBA (1.2% vs 1.6%).
It's not as beneficial if you aren't interested in AIA Vitality.
Customers don't tend to stay around for long. AIA has the lowest member retention rate (69%) of all major health funds.
84.2% of AIA hospital services have no gap which is worse than many other funds including Bupa (91.6%), HBF (92.8%) and Medibank (84.6%).
We picked AIA Health Insurance because it gives you access to AIA Vitality with all of its policies. Our insurance experts feel AIA is worth calling out because you can't get access to the same quality of health benefits with any other fund. However, everyone's needs are different so it's worth doing some research yourself.
With GMHBA you can only get access to AIA Vitality with some policies. We selected the Bronze Plus option because it only costs marginally more than the cheapest bronze policies available and it covers 5 more treatments than a standard bronze hospital policy. AIA also received a lower percentage of complaints compared to GMHBA.
You can also get AIA Vitality with CommBank. However, you need to be a CommBank customer, so we excluded it from eligibility.
Average prices are updated monthly when we update Finder's database of health insurance policies. Prices are based on a single individual with less than $93,000 income, $750 excess and living in Sydney.
Hospital Treatments
Blood Bone joint and muscle Brain and nervous system Breast surgery Cancer Dental surgery Diabetes management Digestive system Ear nose and throat Eye excluding cataracts Gastrointestinal endoscopy Gynaecology Hernia and appendix Joint reconstructions Kidney and bladder Lung and chest Male reproductive system Miscarriage and termination of pregnancy Pain management Medically necessary plastic surgery Podiatric surgery Skin Tonsils adenoids and grommets
Extras Treatments
Extra treatments not covered
Top pick for families (hospital and extras)
Bronze Plus Simple Hospital $750 Excess + Top Extras
This combined hospital and extras policy could be good for complete families. Bupa's Top Extras policy covers orthodontics, dental check-ups are free with certain dentists and there's no excess for kids. You're also exempt from paying the Medicare levy surcharge if you earn over $186,000 a year as a family.
Kids can stay on the policy until 31. No insurer beats this.
No excess or co-payment fees if your kids end up in hospital.
$0 dental check-ups for the family at Member First Platinum dentists.
Orthodontics included with Top Extras.
Every family is different. Make sure this option covers what yours needs.
Insurers including Latrobe and Westfund can also cover kids up to age 31.
Bupa's Bronze Plus Simple is cheap but it wasn't a 2023 Finder Award winner.
Every family has slightly different health needs, so you should always do your own research and make sure the policy covers the treatments you and your family want.
We selected Bupa because it has several benefits for families. It has one of the largest hospital networks in Australia, no excess for kids, $0 dental check-ups for the family at Member First Platinum dentists, orthodontics are included with its Top Extras and your children can stay on the policy until 31.
Additionally, 91.6% of Bupa's medical services have no gap. That's the 7th best out of all open membership health funds. There are 23 in total. Its Bronze Plus Simple Hospital option is also one of the cheapest bronze policies on the market. Out of 118 policies, it was the 4th cheapest, $1 more than ahm.
Average prices are updated monthly when we update Finder's database of health insurance policies. Prices are based on a single individual with less than $93,000 income, $750 excess and living in Sydney.
Hospital Treatments
Blood Bone joint and muscle Brain and nervous system Breast surgery Cancer Dental surgery Diabetes management Digestive system Ear nose and throat Eye excluding cataracts Gastrointestinal endoscopy Gynaecology Hernia and appendix Joint reconstructions Kidney and bladder Lung and chest Male reproductive system Miscarriage and termination of pregnancy Pain management Podiatric surgery Skin Sleep studies Tonsils adenoids and grommets
Extras Treatments
General Dental Major Dental Endodontic Orthodontic Optical Non-PBS Pharmaceuticals Physiotherapy Chiropractic Podiatry Psychology Acupuncture Remedial Massage Hearing aids Glucose monitor
This comes with lots of benefits you don't get with other insurers. In addition to pregnancy cover, continuity of care and IVF cover, you get access to its 24/7 Medibank Nurse service, an OptimalMe program for mums-to-be and a pregnancy health concierge. The Growing Family Extras cover includes antenatal and postnatal classes.
Extremely comprehensive pregnancy cover.
The extras option includes antenatal and postnatal classes, pregnancy compression garments and an Australian Breastfeeding Association membership.
It's efficient. Medibank has the lowest management expenses of all major health funds.
You may still have out-of-pocket expenses.
85.5% of Medibank medical services have no gap (e.g. out-of-pocket expenses). Bupa, HBF, NIB, Westfund and more are all above 90%
It's not the only good value option. Finder Gold Award winners included Australian Unity and St. Lukes.
Medibank offers a lot of pregnancy-related benefits that you won't get with other insurers, including 24/7 Medibank Nurse service, an OptimalMe program for mums-to-be and a pregnancy health concierge.
Additionally, the extras portion of the policy goes further than others we researched including ahm, Bupa, St.Lukes and HBF.
Medibank also has the 5th highest percentage of extras charges covered, according to the latest ombudsman report.
Average prices are updated monthly when we update Finder's database of health insurance policies. Prices are based on a single individual with less than $93,000 income, $750 excess and living in Sydney.
Hospital Treatments
Assisted reproductive services Back neck and spine Blood Bone joint and muscle Brain and nervous system Breast surgery Cataracts Cancer Dental surgery Diabetes management Dialysis for chronic kidney failure Digestive system Ear nose and throat Eye excluding cataracts Gastrointestinal endoscopy Gynaecology Heart and vascular system Hernia and appendix Hospital psychiatric services Implantation of hearing devices Insulin pumps Joint reconstructions Joint replacements Kidney and bladder Lung and chest Male reproductive system Miscarriage and termination of pregnancy Pain management Pain management with device Palliative care Medically necessary plastic surgery Podiatric surgery Pregnancy and birth Rehabilitation Skin Sleep studies Tonsils adenoids and grommets Weight loss surgery
Extras Treatments
General Dental Major Dental Endodontic Orthodontic Optical Non-PBS Pharmaceuticals Physiotherapy Chiropractic Podiatry Psychology Acupuncture Remedial Massage Glucose monitor
ahm won the 2023 Finder Customer Satisfaction award. Out of the 750+ customers surveyed, it scored highly for customer service, value for money and application process. It also has some of the cheapest hospital policies on the market.
Cheap hospital policies and no waiting periods on certain extras policies.
ahm's owner Medibank had a proportionally lower number of complaints than all other health funds, according to the latest ombudsman report.
90.6% of hospital charges are covered. Several insurers including St Lukes (92.6%) and HBF (94.4%) are better.
84.6% of medical services have no gap. Insurers including Bupa (91.6%), Phoenix (92.2%) and NIB (91.8%) are better.
ahm's gold option isn't the cheapest gold policy available on the market.
We asked 765 Australian customers for their opinion about their health fund. ahm scored highly for ease of application and customer service. 86% of people said they would recommend it to a friend. No fund did better than this.
This won the 2023 Finder Award for best value bronze policy. It scored higher than all 100+ bronze plans we assessed. It covers 25 hospital treatments – 7 more than a standard bronze policy. The not-for-profit also has a really strong record of giving its money back towards members.
Finder 2023 best value bronze award winner.
An average of nearly 90c back on every dollar spent on premiums.
Happy customers. HCF has the highest member retention rate (98.6%) of all major health funds.
HCF received a high proportion of complaints compared to other funds.
87.8% of medical services have no gap – Bupa, HBF, HCI and more all do better.
Cheaper bronze options are available but they give you less for your money.
HCF was the winner of our bronze and silver categories at the 2023 Finder Awards. It covered more treatment for less money than any other fund.
HCF has an excellent member retention rate of 98.6% – the highest of the 45 funds where this information is tracked.
Average prices are updated monthly when we update Finder's database of health insurance policies. Prices are based on a single individual with less than $93,000 income, $750 excess and living in Sydney.
Hospital Treatments
Blood Bone joint and muscle Brain and nervous system Breast surgery Cancer Dental surgery Diabetes management Digestive system Ear nose and throat Eye excluding cataracts Gastrointestinal endoscopy Gynaecology Hernia and appendix Joint reconstructions Kidney and bladder Lung and chest Male reproductive system Miscarriage and termination of pregnancy Pain management Palliative care Medically necessary plastic surgery Podiatric surgery Skin Sleep studies Tonsils adenoids and grommets
This won the 2023 Finder Award for best value silver policy. It scored higher than all 200+ silver plans we assessed. It covers 29 hospital treatments – 3 more than a typical silver policy. Bonus points: HCF is not-for-profit so money goes back to members, not shareholders.
Finder 2023 best value silver award winner.
Good bang for your buck. An average of nearly 90c back on every dollar spent on premiums.
Happy customers. It has the highest member retention rate (98.6%) of all major health funds.
High proportion of complaints compared to other funds.
87.8% of medical services have no gap – Bupa, HBF, HCI and more all scored better.
No cover for pregnancy – some silver options offer this.
HCF was the winner of our bronze and silver categories at the 2023 Finder Awards. It covered more treatment for less money than any other fund.
It also has an excellent member retention rate of 98.6% – the highest of the 34 funds where this information is tracked.
Average prices are updated monthly when we update Finder's database of health insurance policies. Prices are based on a single individual with less than $93,000 income, $750 excess and living in Sydney.
Hospital Treatments
Back neck and spine Blood Bone joint and muscle Brain and nervous system Breast surgery Cancer Dental surgery Diabetes management Digestive system Ear nose and throat Eye excluding cataracts Gastrointestinal endoscopy Gynaecology Heart and vascular system Hernia and appendix Implantation of hearing devices Joint reconstructions Kidney and bladder Lung and chest Male reproductive system Miscarriage and termination of pregnancy Pain management Palliative care Medically necessary plastic surgery Podiatric surgery Rehabilitation Skin Sleep studies Tonsils adenoids and grommets
One of the only good value basic hospital policies on the market. Many basic policies don't cover any hospital treatments. HBF Basic Elevate covers 18. Bonus points – it lets you avoid the Medicare levy surcharge (MLS) (the tax you need to pay if you earn over $93,000 as a single).
92.8% of hospital services have no gap (out-of-pocket expenses) – the best of all open health funds.
It's only $2.60 more than the cheapest policy in Finder's database of 480 policies.
If you solely want to avoid the MLS, there are some marginally cheaper options.
Bronze hospital cover may be better value depending on your health needs.
Its no-gap record is beaten by rt health (93.5% vs 92.8%). rt health is only open to transport workers.
It won the most recent Finder Awards for best basic hospital policy. These awards compared all eligible basic hospital policies on the market. It won based on value for money, covering more treatments in a private hospital for a lower premium than any other fund.
While basic hospital cover allows you to avoid paying the MLS if you earn over $93,000 a year as a single or $186,000 as a couple, it's often terrible value for money – many don't cover any hospital treatments at all. HBF's Basic Plus Elevate actually gives you some cover in return for your money.
Additionally, 92.8% of hospital services have no out-of-pocket costs, according to the latest ombudsman report. That's more than all 22 other open membership insurers, including the 4 major funds, Bupa, HCF, Medibank and nib.
Average prices are updated monthly when we update Finder's database of health insurance policies. Prices are based on a single individual with less than $93,000 income, $750 excess and living in Sydney.
Hospital Treatments
Blood Bone joint and muscle Cancer Dental surgery Digestive system Ear nose and throat Gastrointestinal endoscopy Gynaecology Hernia and appendix Joint reconstructions Kidney and bladder Male reproductive system Miscarriage and termination of pregnancy Skin Tonsils adenoids and grommets
Extras Treatments
Extra treatments not covered
Top health insurance companies in Australia
We've also ranked the top-performing health insurance companies in Australia. To do this, we used data from the latest ombudsman State of the Health Funds report.
To get an overall score, we looked at the percentage of benefits covered, hospital expenses and extras services covered, no-gap services, complaints made and more.
Fund name
Our score
MDHF
100/100
HBF
96/100
Onemedifund
91/100
Peoplecare
86/100
St. Lukes
82/100
Medibank
77/100
Health Partners
73/100
CBHS Corporate
68/100
BUPA
64/100
Phoenix
59/100
The rankings are based on the following metrics. Each metric holds weightings based on their effectiveness in accurately presenting the best provider:
Member retention. This indicator is used as one measure of the level of member satisfaction and the comparative effectiveness of health insurers: 10% weighting
Market share. The percentage of total sales in an industry: 5% weighting
Benefits as % of contributions. This column presents the total contributions received by the insurer and then returned to contributors in benefits: 20% weighting
Hospital-related charges covered. This percentage is calculated as hospital benefits paid by insurer/fees excluding Medicare benefit: 20% weighting
Medical services with no gap. This is the proportion of services where after accounting for insurer agreements, benefits and schemes, gap is not payable by the patient: 10% weighting
General treatment (extras) covered. This column refers to the average portion of service charges covered by each insurer: 20% weighting
Complaints ratio. This is the complaints-to-response ratio (the higher score is the better): 5% weighting
Percentage of services with no gap or where known gap payment made. On the understanding that the provider advises the patient of costs upfront, known gap schemes are an arrangement where the insurer pays an additional benefit: 10% weighting
Below are the results of the Finder 2023 Health Insurance Customer Satisfaction Awards. These tell us which health funds Aussies think are the greatest for customer services and overall experience. We got responses from over 1,000 Australians to get these results. Funds without a score didn't get enough reviews for us to be confident of the results.
Hospital only insurance can be good if you want cover in a private hospital. Private surgery waiting times are shorter and there are tax benefits if you earn $93,000+ a year.
Extras only
Extras cover can be worth it if you use lots of out-of-hospital services like dental. However, it does not save you from the Medicare levy surcharge (MLS) or lifetime health cover (LHC) loading.
Combined
Combined cover includes hospital and extras. It can be good if you want total coverage for you and your family.
Pro tip: You'll need to serve a waiting period before you can claim. If you're switching funds, you can skip hospital waiting periods you've already served. Some extras policies let you skip waiting periods on things like dental, even for brand new policies.
Is private health insurance worth it?
Australia has public healthcare, but there are times when private health insurance is worth it.
If you think you might need an elective procedure such as a knee replacement or cataract operation in the next few years, health insurance is worthwhile as public hospital waiting lists can be very long.
It's less beneficial if you're young and healthy. Even when LHC loading applies once you turn 31, the AMA says it's still not enough incentive to get cover early in life.
If you don't take out hospital insurance and earn over $93,000 a year ($186,000 for couples), you'll have to pay the MLS. This is a 1–1.5% tax depending on your income.
What level of cover is right for you?
Every tier of hospital insurance has to cover a specific set of treatments in Australia: basic (0), bronze (18), silver (26) and gold (38).
Gold hospital cover
Gold covers everything, including pregnancy, so is also the most expensive tier. Prices start from
$162.44
a month.
Silver hospital cover
Silver still covers a lot. All policies cover at least 26 hospital treatments including heart and vascular system and lung and chest.
Bronze hospital cover
Bronze covers at least 18 hospital treatments including joint reconstructions and ear, nose and throat.
Basic hospital cover
Basic doesn't have to fully cover anything, but helps you avoid the MLS and LHC loading. Bronze policies cost just a few dollars more, so it might be worth skipping basic altogether.
Pro tip: Consider looking at plus policies. They cover more treatments than their base tier and can be better value.
What else should you consider?
Look at restricted funds. These offer cover to a specific industry and their families, such as teachers or union members. They often provide better services than a normal insurer.
Consider a not-for-profit. HCF, HBF and GMHBA are among the many not-for-profit funds in Australia. You often get more for your money. Profits go towards members, not shareholders.
Don't get couples cover. Couples health insurance is convenient, but isn't always good value. If you and your partner have different needs, 2 single policies can be cheaper.
Don't stress about the LHC loading. Lots of people get confused by the LHC loading. It's not a tax. AMA data actually shows people can be better off delaying hospital insurance and just paying the loading later in life. Learn more here.
Avoid the MLS. This extra tax applies to anyone earning over $93,000 ($186,000 for couples), but you won't pay it if you have private hospital insurance.
Read your extras policy. It's worth the effort. You might find some benefits you didn't realise you had. Finder author Nicola Middlemiss was able to get way more value for money this way: "I have hypermobility that's improved with regular exercise," she told us. "I spoke to my doctor, they signed the health improvement form provided by my insurer, and now I can claim $400 back every year."
Pro tip: Basic hospital policies let you avoid the MLS but they're often poor value. Basic plus or bronze policies give you more value for money.
Tips for families
Get no excess for children. Lots of funds don't charge an excess for children who need to go to hospital.
Get cover for older children. Funds can now cover adult children on their parents' cover until 31 years – be sure to check when your fund will cut them off.
Looking for pregnancy? All gold-tier policies cover pregnancy, as do some silver plus policies. If you don't want more kids, you could save by downgrading.
I've been using AIA Health Insurance for a few years now. Personally, I really like how you get access to the AIA Vitality program that incentivises you to lead a healthier (and happier) lifestyle. Being part of this program has made it easier for me to go to the gym, get advice from a dietician, and I even got a discounted Fitbit! I appreciate that there's a health insurer that promotes healthier living rather than focussing on paying you out when you're sick or injured.
Private health cover is a type of insurance available in Australia as an alternative to Medicare, which is Australia's public healthcare system. Even though all Australian citizens and permanent residents are eligible for Medicare, private health insurance will cover you for care in the private hospital system. This has a few benefits, including shorter waiting times for surgery, a private room and the ability to choose your own surgeon in many cases. Private health insurance comes in 2 flavours in Australia: extras cover and hospital cover.
Not everyone needs private health insurance, but it has a lot of benefits that might make sense to you. If you're eligible for Medicare, then you'll always have access to emergency and medically necessary treatment for free in a public hospital. However, private health insurance gives you access to benefits including your choice of doctor, your own room, better amenities and shorter wait times for elective surgery. There's also extras and ambulance cover to think about, which can be worth it even if you're young and healthy. Find out if private health insurance might be worth it for you with this 1-minute quiz.
Medicare is Australia's public healthcare system, which entitles citizens and permanent residents access to life-saving care for free in a public hospital. Unfortunately, Medicare isn't perfect. For hospital care, there can be long waiting periods for elective surgery, you probably won't get to choose your own doctor and you may have to share a hospital room. With private hospital cover, you can get these benefits in a private hospital. Additionally, Medicare doesn't cover many out-of-hospital services, such as dental, optical and ambulance. Private health insurance has options to cover these as well. Learn more about Medicare vs private health insurance.
The best hospital cover is the one that suits your needs and circumstances, so it may be different for everyone. However, the 2023 Finder Health Insurance Awards awarded HCF the award for best silver and bronze cover, winning 2 of the 4 total hospital categories. So HCF hospital cover might be a good place to start comparing.
The best health insurance fund depends on what you're looking for. For some, that could be a not-for-profit and for others it could be the most popular health insurer. It might help you to know that HBF was awarded Finder's Best Health Fund award for 2023.
Since every family has different health needs, the easiest way to find a policy is to compare family options using our health insurance engine. For example, depending on your circumstances, you may want to get pregnancy cover if you plan to have kids or look for a policy that covers your teenager for free.
Most visitors and temporary workers aren't eligible for the same health insurance policies as Australians. Instead, you will need overseas visitor health cover (OVHC). This is a type of health insurance designed specifically for non-Australian residents. These policies start from around $64.50 a month and at the very least should cover hospital care and repatriation. Some can also help pay for doctor's appointments, prescription medicine and out-of-hospital treatment such as dental.
There are lots of ways to get cheaper health insurance including paying annually, joining a restricted fund if you're eligible and mixing and matching your hospital and extras cover because it often costs less to get a policy with 2 different funds.
Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, news.com.au, The Telegraph, Explore Travel and Escape. Gary holds a Kaplan Tier 1 General Insurance (General Advice) certification and a Kaplan Tier 1 Generic Knowledge certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
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