Finder makes money from featured partners, but editorial opinions are our own.
Cheap health insurance
Our team compared hundreds of health insurance policies to find some of the cheapest in Australia, starting from around from
$23
a week for a great combined policy.
Top pick: Cheap basic
Basic Accident Only Hospital $750 Excess
Joint cheapest hospital policy on Finder*
Avoid paying the Medicare Levy Surcharge
Top pick: Cheap combined cover
starter bronze + black 50 saver
Cheaper hospital and extras cover than most insurers
Covers 18 hospital treatments + 3 extras services
Top pick: Cheap award winner
Basic Hospital Plus Elevate $750/$1500 Excess
Cheap cover with more inclusions (Finder Award winner)
To help you find a cheap policy, our health insurance team has analysed hundreds of policies from over 40 funds, as well as the latest Ombudsman report. We've narrowed it down to a handful of policies and developed a list of the cheapest and most comprehensive policies in the Australian market.
Bupa's Basic Accident Only Hospital policy is good if you're looking for a very cheap policy that lets you avoid paying the Medicare Levy Surcharge (MLS) – but it only covers accidents and ambulance fees.
Out of 72 basic policies, it's the joint cheapest hospital policy on Finder.
By buying this policy, you can avoid paying MLS if you earn over $93,000 a year as a single or $180,000 as a couple.
It covers emergency ambulance and comes with an accident inclusion feature. If you have an accident, Bupa will cover you in a private hospital for treatments that are excluded or restricted on your cover.
Frank Accident Only (Basic) and Entry Hospital (Basic+) also cost $19 per week. The latter covers more than Bupa. You get cover for joint reconstructions, dental surgery, hernia and appendix and gynaecology.
This policy doesn't cover you in a private hospital for most treatments.
We looked at 72 basic policies on the Finder database (this includes almost every health insurance policy on the market.) We selected Bupa Basic Accident because it was the joint cheapest basic hospital policy.
Frank also offered cover for $19 per week. However, we selected Bupa because 91.6% of its hospital services have no gap services, according to the latest State of the Health Funds report. 84.7% of Frank's medical services have no gap.
Prices are based on a single individual with less than $93,000 income, $750 excess and living in Sydney.
Bone joint and muscle Brain and nervous system Breast surgery Cancer Diabetes management Digestive system Ear nose and throat Eye excluding cataracts Gastrointestinal endoscopy Gynaecology Hernia and appendix Joint reconstructions Kidney and bladder Male reproductive system Miscarriage and termination of pregnancy Pain management Skin Tonsils adenoids and grommets
Extras Treatments
General Dental Physiotherapy Chiropractic
ahm starter bronze and black 50 saver is good if you want a cheap combined hospital and extras policy that covers than a basic policy. It covers 18 treatments more than a typical basic policy.
It covers the essential extras services including dental, physio, chiro and emergency ambulance (which isn't free in all states except TAS and QLD). You can also get some free trips to the dentist. It comes with no gap dental check-ups at specific dentists.
With this combined policy, you exempt yourself from the MLS, if you earn over $93,000 a year as a single or $186,000 as a couple.
This is not the cheapest combined option. Some basic combined policies will cost you less. However, they typically cover very little. For example, Frank Freedom Starter Flexi-Bundle (Basic) costs $87 per month. The hospital portion covers accidents and emergency ambulance. That's it.
If you need cover for different treatments, you may want to look at bronze+ or silver cover. A bronze policy is required to cover 18 treatments and no more.
We selected ahm starter bronze + black 50 saver because it was the joint cheapest combined policy in our database of 965 policies. The other similarly-priced combined option was also ahm – specifically, the starter bronze + choosable 50 teeth option. We selected this ahm policy because it covers more extras services.
Prices are based on a single individual with less than $93,000 income, $750 excess and living in Sydney.
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
HBF Basic Hospital Plus Elevate is good if you want a cheap policy that gives you more for your money, which is why it won the Finder Award.
HBF won the Finder Health Insurer of the Year award because it offers better value than any other fund we researched. That means it's one of the cheapest providers on the market but you get more in return for your money. With Basic Hospital Plus for example, it covers 15 treatments including dental surgery, gynaecology, hernia and appendix, joint reconstructions and tonsils, adenoids and grommets. That's 15 more than is required for a basic policy. You're also covered for accidents, ambulances and you get your own private room.
HBF Basic Plus Elevate is within $4 of the cheapest policy available on Finder and lets you avoid the Medicare levy surcharge (MLS).
It's a not-for-profit, meaning money makes goes back to its members. This is one of the reasons it offers such cheap premiums compared to other insurers. Plus, you get access to discounts on movies, fitness, clothes and more.
HBF Basic Plus Elevate isn't the cheapest HBF policy. That's HBF's Basic Hospital Plus plan which only covers 5 treatments but is around $2 less per week.
We selected HBF's Basic Hospital Plus Elevate because it won the 2023 Finder Award for Basic Hospital cover. These awards compared all eligible basic hospital policies on the market. HBF won based on value for money, meaning policies that covered more treatments in a private hospital for a lower premium scored higher.
To be eligible for Finder Awards, policies needed to be available to purchase in April 2023 from a non-restricted provider with at least a 0.5% national market share.
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.
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
Extras Treatments
Extra treatments not covered
HCF’s Hospital Bronze Plus is a very good value hospital policy – which is why it won the 2023 Finder Award. It covers more than a typical bronze policy but it’s only $1 more per week than the cheapest bronze policy on Finder.
At approximately $22 per week, it's one of the cheapest bronze hospital insurance policies in our database of 118 bronze plans.
You get more for your money. It covers 25 hospital treatments. No other bronze policy for that price covers this much.
HCF has 98.6% membership retention – the highest of all funds.
Phoenix Health is also approximately $21 per week with a $750 excess. It only covers 18 treatments though.
It has a higher percentage of complaints (18.1%) compared to other large funds.
We looked at 118 bronze plans on the Finder database (this includes almost every health insurance policy on the market.) We selected HCF because it provided the best value for money, covering more treatments for a lower price than any other policy. .
Prices are based on a single individual with less than $93,000 income, $750 excess and living in Sydney.
Bone joint and muscle Brain and nervous system Breast surgery Cancer Diabetes management Digestive system Ear nose and throat Eye excluding cataracts Gastrointestinal endoscopy Gynaecology Hernia and appendix Joint reconstructions Kidney and bladder Male reproductive system Miscarriage and termination of pregnancy Pain management Skin Tonsils adenoids and grommets
Extras Treatments
General Dental Major Dental Endodontic Orthodontic Optical Physiotherapy Chiropractic Acupuncture Remedial Massage
nib Bronze Hospital and Dental Boost could be good for families that don't plan to have more kids – but want cover for common treatments families often need such as ears, tonsils and orthodontics. Keep in mind: this is the price for a single policy. A family policy will cost you more.
At $32 per week, it's one of the cheapest hospital and extras insurance policies in our database to cover treatments families commonly need, such as ear, nose and throat, tonsils, adenoids and grommets, and orthodontics.
Your kids can stay on the policy up to the age of 31. This limit applies to non-student dependants.
It covers 18 hospital treatments and 9 extras services including dental, orthodontic and optical.
Every family's needs are slightly different. If you don't need some of these treatments, it may be possible to find a cheaper policy.
This policy isn't for families planning to have more children. For that, you will need pregnancy cover.
We selected nib's because it was one of the cheapest combined policies in our database to cover ear, nose and throat, tonsils, adenoids and grommets, and orthodontics.
There were other similarly-priced options from ahm and Frank. However, nib can cover non-student dependants up to 31 years of age. Frank does not. Its limit is 21.
We also selected nib over ahm because nib has a higher percentage of medical services with no gap: 91.8% vs 84.6%.
Prices are based on a single individual with less than $93,000 income, $750 excess and living in Sydney.
Looking for cheap extras cover?
If you don't want hospital cover, it's possible to get extras insurance from around $4 per week. It can you for out of hospital treatments that Medicare won't, such as dental, physio and optical.
What is the average cost of health insurance in Australia?
Prices quoted are based on a single 30 year-old in Sydney, earning less than $93,000 with a $750 hospital excess from June 2022. Extras categories used the same methodology as the 2022 Finder Health Insurance awards.
Compare cheap health insurance in Australia
Below are some cheap health insurance policies from Finder partners. Each tab lists extras, hospital or combined policies from cheapest to the most expensive. All prices are based on a single individual with less than $93,000 income and living in Sydney.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Compare prices from 30+ Aussie funds in under 30 seconds.
How can I find cheap health insurance?
What's affordable is different for everyone, but no matter what your budget, these are some universal tips that could help you get more bang for your buck.
Check your coverage. If you already have health insurance and are looking for a cheaper option, consider downgrading your policy. You may be paying for benefits you don't need.
Compare online. Finder compares almost every major health insurance policy on the market. Comparing your options side-by-side gives you a good idea of how much you can expect to pay for a policy.
Look for discounts. Lots of health funds run offers to attract new customers. This could be a reduced-price premium, free coverage for a few weeks or some other reward.
Pay before 1 April. Prices go up on 1 April every year. Pay in advance before this date and you'll lock in last year's rates for a while longer.
Increase your excess. Choosing a higher excess will lower your premium. Just remember, if you're looking to avoid the Medicare Levy Surcharge or Lifetime Health Cover loading, make sure the premium is no higher than $750 for a single person.
Look for a restricted fund. Restricted health funds offer cover to people working in specific industries as well as their families. These funds aren't run for profit, so they can be cheaper, but you have to find one that you're eligible for.
Check if your employer partners with a health fund. Health funds are allowed to give discounts of up to 12% to companies, which those companies can then pass on to employees.
Last year my first son was born, so getting affordable health insurance with flexible extras became more than just a tax-related priority. Having lived in Australia for only 2 years, I didn't know much about health providers. Finder's selection of best insurances gave me the confidence to check HBF because it appeared as a top pick both for tax and all-in-one categories. HBF's Bronze Hospital Plus with Flex 50 extras had everything I was looking for!
— Franco Fagioli.
Best sign-up deals for January 2024 from Finder partners
Check live health insurance deals below before buying health insurance and you could save money on your premium or get a reward for signing up.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Why you can trust Finder's health insurance experts
We're free
Our health insurance engine is completely free to use. You pay the same as buying directly from the health insurer. Better still, we regularly run exclusive deals that you won't find on any other site.
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and you can compare nearly every health fund in Australia on the site (and find a better deal).
We're here to help
Since 2014, we've helped 350,000+ people find health insurance by explaining your options simply. We'll never ask for your number or email to see prices. We're here to help you make a decision.
Frequently asked questions
NSW. At $77/month, Bupa Accident Only Hospital cover, Frank Accident Only (Basic) and Entry Hospital (Basic+) are the joint cheapest policies in NSW.
QLD. At $72/month, Wesfund Basic is the cheapest hospital policy in QLD.
ACT. At approximately $77/month, Bupa Accident Only Hospital cover, Frank Accident Only (Basic) and Entry Hospital (Basic+), and Health Care Insurance Basic Plus are the cheapest policies in ACT.
VIC. At $76/month, HCF Accident Only Basic cover is the cheapest hospital policy in Victoria.
TAS. AT $78/month, ahm starter basic is the cheapest hospital policy in TAS.
SA. At $70/month, HCF Accident Only Basic cover is the cheapest hospital policy in South Australia.
WA. At $59/month, Bupa Accident Only Hospital cover is the cheapest hospital policy in WA.
NT. At $29/month, HCF Accident Only Basic cover is the cheapest hospital policy in the Northern Territory.
These are all based on policies in the Finder database, May 2023.
The cheapest health insurance policies are available in Western Australia and the Northern Territory. A policy costs as little as $59 and $29 per month, respectively. It's around $70-80 per month for the same policies in all other Australian states and territories.
Not everyone needs health insurance. As long as you're entitled to Medicare, you'll be covered for free treatment in a public hospital if you're injured, fall ill or develop a medical condition in Australia.
For many people, relying on Medicare is the cheapest option, but there are benefits to having private health insurance, and it can even save some people money.
For example, if you earn over $93,000 a year, or $186,000 a year as a couple, you're hit with an extra tax unless you have hospital insurance. You can buy cover for less than the cost of the tax penalty, so it makes financial sense to get cover, even if you don't want it.
Certain extras policies can also save you money if you regularly spend cash on non-hospital healthcare, such as prescription glasses, dental check-ups or even remedial massage. That's because you can easily claim back more than you pay in premiums over the course of the year.
Remember though, private health insurance doesn't mean you'll get treatment for free. Whether it's a hospital or extras policy, you'll usually have some out-of-pocket costs. The exceptions are no-gap dental and no-gap optical, which are only offered by some health funds.
It's possible that the best way to get a cheaper health insurance policy is to switch to another provider. Switching health insurance is surprisingly easy, with all the hard work done for you, in the background.
No, 2 individual policies are the same price as a couples policy with the same level of coverage. In fact, buying couples health insurance may actually end up being more expensive than if you'd bought separate health insurance policies.
That's because, in a couples policy, both members have to be on the same plan. So if one person wants top tier coverage, the other person has to get it too. If you and your partner want different levels of coverage, it's worth looking into individual policies instead. This is especially useful for health insurance for young adults, where only one of you may need health insurance for pregnancy, which is more expensive.
The cost of private health insurance varies depending on what you're looking for. You can find extras cover from just a few dollars a week, while basic hospital policies will cost you from around $20 per week.
Tim Bennett is a Finder insurance expert. For over 10 years he's reported on news, politics, finance and other topics as a journalist and radio presenter. Tim's roles have included radio news reader and breakfast at the ABC, news producer for SBS and producer for Fairfax Media. Tim regularly appears as a health insurance expert on programs like Sunrise and SBS news, as well as in the Australian, The Daily Telegraph, The Courier Mail and more.
finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please note that the information published on our site should not be construed as personal advice and does not consider your personal needs and circumstances. While our site will provide you with factual information and general advice to help you make better decisions, it isn't a substitute for professional advice. You should consider whether the products or services featured on our site are appropriate for your needs. If you're unsure about anything, seek professional advice before you apply for any product or commit to any plan and read any disclosure documents (such as any Target Market Determination (TMD) and/or Product Disclosure Statement (PDS)) issued by the provider before making a decision.
Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan, we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.