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Health insurance: hospital cover

Every policy open to new members, as insurers filed it with the Private Health Insurance Ombudsman. Free, no sign-up.

Hospital and extras Hospital only Extras only

Showing the first 50 of 241 policies.

Policies as filed on 1 Oct 2026

Priced for South Australia · Just me · each policy at its lowest premium · after the base-tier rebate (24.1%, assuming you are under 65). Change your answers

How results are sorted
Frank Health InsuranceFrank Health Insurance

Frank Health Insurance

Frank Basic Plus Hospital
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
5 of 38 hospital treatments covered
Not covered (30) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Bone, joint and muscle
  • Brain and nervous system
  • Breast surgery (medically necessary)
  • Cataracts
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Diabetes management (excluding insulin pumps)
  • Dialysis for chronic kidney failure
  • Digestive system
  • Ear, nose and throat
  • Eye (not cataracts)
  • Gastrointestinal endoscopy
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Kidney and bladder
  • Lung and chest
  • Male reproductive system
  • Miscarriage and termination of pregnancy
  • Pain management
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Skin
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 79.9% for GMHBA, the insurer of Frank Health Insurance · Commonwealth Ombudsman, 2024-25

$84.57†a month after the base-tier rebate (24.1%)
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no commission on this policy

HCFHCF

HCF

HCF Hospital Basic Plus $750 Excess
Basic Plus$750 excessEmergency ambulanceAlso with $500 excess
9 of 38 hospital treatments covered
Not covered (26) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Bone, joint and muscle
  • Brain and nervous system
  • Breast surgery (medically necessary)
  • Cataracts
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Diabetes management (excluding insulin pumps)
  • Dialysis for chronic kidney failure
  • Digestive system
  • Ear, nose and throat
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Kidney and bladder
  • Lung and chest
  • Pain management
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Skin
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 83.7% · Commonwealth Ombudsman, 2024-25

$84.79†a month after the base-tier rebate (24.1%)
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no commission on this policy

RT HealthRT Health

RT Health

Basic Plus Starter Hospital $750 Excess
Basic Plus$750 excessEmergency ambulanceAlso with $500 excess
9 of 38 hospital treatments covered
Not covered (26) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Bone, joint and muscle
  • Brain and nervous system
  • Breast surgery (medically necessary)
  • Cataracts
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Diabetes management (excluding insulin pumps)
  • Dialysis for chronic kidney failure
  • Digestive system
  • Ear, nose and throat
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Kidney and bladder
  • Lung and chest
  • Pain management
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Skin
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 83.7% for HCF, the insurer of RT Health · Commonwealth Ombudsman, 2024-25

$84.79†a month after the base-tier rebate (24.1%)
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no commission on this policy

HBFHBF

HBF

Basic Hospital Plus $750/$1500 Excess
Basic Plus$750 excessEmergency ambulanceAlso with $500 excess
5 of 38 hospital treatments covered
Not covered (30) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Bone, joint and muscle
  • Brain and nervous system
  • Breast surgery (medically necessary)
  • Cataracts
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Diabetes management (excluding insulin pumps)
  • Dialysis for chronic kidney failure
  • Digestive system
  • Ear, nose and throat
  • Eye (not cataracts)
  • Gastrointestinal endoscopy
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Kidney and bladder
  • Lung and chest
  • Male reproductive system
  • Miscarriage and termination of pregnancy
  • Pain management
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Skin
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 88.4% · Commonwealth Ombudsman, 2024-25

$85.23†a month after the base-tier rebate (24.1%)
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no commission on this policy

WestfundWestfund

Westfund

Basic Plus 750 Hospital
Basic Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $500 excess
4 of 38 hospital treatments covered
Not covered (31) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Bone, joint and muscle
  • Brain and nervous system
  • Breast surgery (medically necessary)
  • Cataracts
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Diabetes management (excluding insulin pumps)
  • Dialysis for chronic kidney failure
  • Digestive system
  • Ear, nose and throat
  • Eye (not cataracts)
  • Gastrointestinal endoscopy
  • Gynaecology
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Kidney and bladder
  • Lung and chest
  • Male reproductive system
  • Miscarriage and termination of pregnancy
  • Pain management
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Skin
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 86.3% · Commonwealth Ombudsman, 2024-25

$85.63†a month after the base-tier rebate (24.1%)
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Details ›

no commission on this policy

HIFHIF

HIF

Basic Plus Hospital $750/$1500
Basic Plus$750 excessEmergency and non-emergency ambulanceAlso with $500 excess
3 of 38 hospital treatments covered
Not covered (32) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Bone, joint and muscle
  • Brain and nervous system
  • Breast surgery (medically necessary)
  • Cataracts
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Dental surgery
  • Diabetes management (excluding insulin pumps)
  • Dialysis for chronic kidney failure
  • Digestive system
  • Ear, nose and throat
  • Eye (not cataracts)
  • Gastrointestinal endoscopy
  • Gynaecology
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Kidney and bladder
  • Lung and chest
  • Male reproductive system
  • Miscarriage and termination of pregnancy
  • Pain management
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Skin
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 76.2% · Commonwealth Ombudsman, 2024-25

$86.20†a month after the base-tier rebate (24.1%)
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Details ›

no commission on this policy

Australian UnityAustralian Unity

Australian Unity

Simple Hospital (Basic Plus)
Basic Plus$750 excessEmergency ambulanceAlso with $500 excess
4 of 38 hospital treatments covered
Not covered (31) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Bone, joint and muscle
  • Brain and nervous system
  • Breast surgery (medically necessary)
  • Cataracts
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Diabetes management (excluding insulin pumps)
  • Dialysis for chronic kidney failure
  • Digestive system
  • Ear, nose and throat
  • Eye (not cataracts)
  • Gastrointestinal endoscopy
  • Gynaecology
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Kidney and bladder
  • Lung and chest
  • Male reproductive system
  • Miscarriage and termination of pregnancy
  • Pain management
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Skin
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 81.4% · Commonwealth Ombudsman, 2024-25

$86.32†a month after the base-tier rebate (24.1%)
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Details ›

no commission on this policy

HBFHBF

HBF

Basic Hospital Plus $750/$1500 Excess & Ambulance Care
Basic Plus$750 excessEmergency and non-emergency ambulanceAlso with $500 excess
5 of 38 hospital treatments covered
Not covered (30) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Bone, joint and muscle
  • Brain and nervous system
  • Breast surgery (medically necessary)
  • Cataracts
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Diabetes management (excluding insulin pumps)
  • Dialysis for chronic kidney failure
  • Digestive system
  • Ear, nose and throat
  • Eye (not cataracts)
  • Gastrointestinal endoscopy
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Kidney and bladder
  • Lung and chest
  • Male reproductive system
  • Miscarriage and termination of pregnancy
  • Pain management
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Skin
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 88.4% · Commonwealth Ombudsman, 2024-25

$86.88†a month after the base-tier rebate (24.1%)
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Details ›

no commission on this policy

ahmahm

ahm

core hospital (basic+)
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
6 of 38 hospital treatments covered
Not covered (29) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Bone, joint and muscle
  • Brain and nervous system
  • Breast surgery (medically necessary)
  • Cataracts
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Diabetes management (excluding insulin pumps)
  • Dialysis for chronic kidney failure
  • Digestive system
  • Ear, nose and throat
  • Eye (not cataracts)
  • Gastrointestinal endoscopy
  • Gynaecology
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Kidney and bladder
  • Lung and chest
  • Male reproductive system
  • Pain management
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Skin
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 85.4% for Medibank, the insurer of ahm · Commonwealth Ombudsman, 2024-25

$87.68†a month after the base-tier rebate (24.1%)
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no commission on this policy

nibnib

nib

Basic Care Hospital Plus $750 Excess
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
6 of 38 hospital treatments covered
Not covered (29) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Bone, joint and muscle
  • Brain and nervous system
  • Breast surgery (medically necessary)
  • Cataracts
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Diabetes management (excluding insulin pumps)
  • Dialysis for chronic kidney failure
  • Digestive system
  • Ear, nose and throat
  • Eye (not cataracts)
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Kidney and bladder
  • Lung and chest
  • Male reproductive system
  • Miscarriage and termination of pregnancy
  • Pain management
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Skin
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 79.0% · Commonwealth Ombudsman, 2024-25

$88.10†a month after the base-tier rebate (24.1%)
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no commission on this policy

MedibankMedibank

Medibank

Medibank Basic Plus Select
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess
7 of 38 hospital treatments covered
Not covered (28) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Bone, joint and muscle
  • Brain and nervous system
  • Breast surgery (medically necessary)
  • Cataracts
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Diabetes management (excluding insulin pumps)
  • Dialysis for chronic kidney failure
  • Digestive system
  • Ear, nose and throat
  • Eye (not cataracts)
  • Gastrointestinal endoscopy
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Kidney and bladder
  • Lung and chest
  • Male reproductive system
  • Pain management
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Skin
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 85.4% · Commonwealth Ombudsman, 2024-25

$88.40†a month after the base-tier rebate (24.1%)
Go to insurer
Details ›

no commission on this policy

GMHBAGMHBA

GMHBA

GMHBA Basic Plus Starter Hospital
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
5 of 38 hospital treatments covered
Not covered (30) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Bone, joint and muscle
  • Brain and nervous system
  • Breast surgery (medically necessary)
  • Cataracts
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Diabetes management (excluding insulin pumps)
  • Dialysis for chronic kidney failure
  • Digestive system
  • Ear, nose and throat
  • Eye (not cataracts)
  • Gastrointestinal endoscopy
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Kidney and bladder
  • Lung and chest
  • Male reproductive system
  • Miscarriage and termination of pregnancy
  • Pain management
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Skin
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25

$88.40†a month after the base-tier rebate (24.1%)
Go to insurer
Details ›

no commission on this policy

BupaBupa

Bupa

Basic Plus Starter Hospital $750 Excess
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
7 of 38 hospital treatments covered
Not covered (28) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Bone, joint and muscle
  • Brain and nervous system
  • Breast surgery (medically necessary)
  • Cataracts
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Diabetes management (excluding insulin pumps)
  • Dialysis for chronic kidney failure
  • Digestive system
  • Ear, nose and throat
  • Eye (not cataracts)
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Kidney and bladder
  • Lung and chest
  • Male reproductive system
  • Pain management
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Skin
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 86.1% · Commonwealth Ombudsman, 2024-25

$88.44†a month after the base-tier rebate (24.1%)
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Details ›

no commission on this policy

PeoplecarePeoplecare

Peoplecare

Basic Plus Hospital $750
Basic Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $500 excess
6 of 38 hospital treatments covered
Not covered (29) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Bone, joint and muscle
  • Brain and nervous system
  • Breast surgery (medically necessary)
  • Cataracts
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Diabetes management (excluding insulin pumps)
  • Dialysis for chronic kidney failure
  • Digestive system
  • Ear, nose and throat
  • Eye (not cataracts)
  • Gastrointestinal endoscopy
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Kidney and bladder
  • Lung and chest
  • Male reproductive system
  • Pain management
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Skin
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 79.9% · Commonwealth Ombudsman, 2024-25

$90.35†a month after the base-tier rebate (24.1%)
Go to insurer
Details ›

no commission on this policy

Health PartnersHealth Partners

Health Partners

Basic Hospital Plus $750 Excess
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
Not covered (27) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Bone, joint and muscle
  • Brain and nervous system
  • Breast surgery (medically necessary)
  • Cataracts
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Diabetes management (excluding insulin pumps)
  • Dialysis for chronic kidney failure
  • Digestive system
  • Ear, nose and throat
  • Eye (not cataracts)
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Kidney and bladder
  • Lung and chest
  • Pain management
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Skin
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 88.7% · Commonwealth Ombudsman, 2024-25

$90.95†a month after the base-tier rebate (24.1%)
Go to insurer
Details ›

no commission on this policy

ING Health InsuranceING Health Insurance

ING Health Insurance

ING Basic Plus Hospital $750 Excess
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
8 of 38 hospital treatments covered
Not covered (27) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Bone, joint and muscle
  • Brain and nervous system
  • Breast surgery (medically necessary)
  • Cataracts
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Diabetes management (excluding insulin pumps)
  • Dialysis for chronic kidney failure
  • Digestive system
  • Ear, nose and throat
  • Eye (not cataracts)
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Kidney and bladder
  • Lung and chest
  • Pain management
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Skin
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 79.0% for NIB, the insurer of ING Health Insurance · Commonwealth Ombudsman, 2024-25

$91.32†a month after the base-tier rebate (24.1%)
Go to insurer
Details ›

no commission on this policy

AIA Health InsuranceAIA Health Insurance

AIA Health Insurance

Basic Plus Hospital 750
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
6 of 38 hospital treatments covered
Not covered (29) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Bone, joint and muscle
  • Brain and nervous system
  • Breast surgery (medically necessary)
  • Cataracts
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Diabetes management (excluding insulin pumps)
  • Dialysis for chronic kidney failure
  • Digestive system
  • Ear, nose and throat
  • Eye (not cataracts)
  • Gastrointestinal endoscopy
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Kidney and bladder
  • Lung and chest
  • Male reproductive system
  • Pain management
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Skin
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 84.0% · Commonwealth Ombudsman, 2024-25

$91.73†a month after the base-tier rebate (24.1%)
Go to insurer
Details ›

no commission on this policy

Real Health InsuranceReal Health Insurance

Real Health Insurance

Real Basic Plus Hospital $750 Excess
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
7 of 38 hospital treatments covered
Not covered (28) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Bone, joint and muscle
  • Brain and nervous system
  • Breast surgery (medically necessary)
  • Cataracts
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Diabetes management (excluding insulin pumps)
  • Dialysis for chronic kidney failure
  • Digestive system
  • Ear, nose and throat
  • Eye (not cataracts)
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Kidney and bladder
  • Lung and chest
  • Male reproductive system
  • Pain management
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Skin
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 79.0% for NIB, the insurer of Real Health Insurance · Commonwealth Ombudsman, 2024-25

$91.90†a month after the base-tier rebate (24.1%)
Go to insurer
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no commission on this policy

AAMI Health InsuranceAAMI Health Insurance

AAMI Health Insurance

AAMI Basic Hospital Plus $750 Excess
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
7 of 38 hospital treatments covered
Not covered (28) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Bone, joint and muscle
  • Brain and nervous system
  • Breast surgery (medically necessary)
  • Cataracts
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Diabetes management (excluding insulin pumps)
  • Dialysis for chronic kidney failure
  • Digestive system
  • Ear, nose and throat
  • Eye (not cataracts)
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Kidney and bladder
  • Lung and chest
  • Male reproductive system
  • Pain management
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Skin
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 79.0% for NIB, the insurer of AAMI Health Insurance · Commonwealth Ombudsman, 2024-25

$92.07†a month after the base-tier rebate (24.1%)
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no commission on this policy

nibnib

nib

Basic Essential Hospital Plus $750 Excess
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess
7 of 38 hospital treatments covered
Not covered (28) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Bone, joint and muscle
  • Brain and nervous system
  • Breast surgery (medically necessary)
  • Cataracts
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Diabetes management (excluding insulin pumps)
  • Dialysis for chronic kidney failure
  • Digestive system
  • Ear, nose and throat
  • Eye (not cataracts)
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Kidney and bladder
  • Lung and chest
  • Male reproductive system
  • Pain management
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Skin
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 79.0% · Commonwealth Ombudsman, 2024-25

$92.17†a month after the base-tier rebate (24.1%)
Go to insurer
Details ›

no commission on this policy

Suncorp Health InsuranceSuncorp Health Insurance

Suncorp Health Insurance

Suncorp Health Insurance Basic Hospital Plus $750 Excess
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
7 of 38 hospital treatments covered
Not covered (28) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Bone, joint and muscle
  • Brain and nervous system
  • Breast surgery (medically necessary)
  • Cataracts
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Diabetes management (excluding insulin pumps)
  • Dialysis for chronic kidney failure
  • Digestive system
  • Ear, nose and throat
  • Eye (not cataracts)
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Kidney and bladder
  • Lung and chest
  • Male reproductive system
  • Pain management
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Skin
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 79.0% for NIB, the insurer of Suncorp Health Insurance · Commonwealth Ombudsman, 2024-25

$92.17†a month after the base-tier rebate (24.1%)
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no commission on this policy

Qantas InsuranceQantas Insurance

Qantas Insurance

Qantas Basic Hospital $750 Excess
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
7 of 38 hospital treatments covered
Not covered (28) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Bone, joint and muscle
  • Brain and nervous system
  • Breast surgery (medically necessary)
  • Cataracts
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Diabetes management (excluding insulin pumps)
  • Dialysis for chronic kidney failure
  • Digestive system
  • Ear, nose and throat
  • Eye (not cataracts)
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Kidney and bladder
  • Lung and chest
  • Male reproductive system
  • Pain management
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Skin
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 79.0% for NIB, the insurer of Qantas Insurance · Commonwealth Ombudsman, 2024-25

$92.45†a month after the base-tier rebate (24.1%)
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no commission on this policy

see-u by HBFsee-u by HBF

see-u by HBF

Saver Hospital $750 Excess with Daily Co-Pay (Bronze Plus)
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
19 of 38 hospital treatments covered
Not covered (16) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Cataracts
  • Dialysis for chronic kidney failure
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Lung and chest
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 88.4% for HBF, the insurer of see-u by HBF · Commonwealth Ombudsman, 2024-25

$92.85†a month after the base-tier rebate (24.1%)
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no commission on this policy

BupaBupa

Bupa

Basic Plus Starter Hospital $500 Excess
Basic Plus$500 excessEmergency ambulanceDiscount for 18 to 29
7 of 38 hospital treatments covered
Not covered (28) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Bone, joint and muscle
  • Brain and nervous system
  • Breast surgery (medically necessary)
  • Cataracts
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Diabetes management (excluding insulin pumps)
  • Dialysis for chronic kidney failure
  • Digestive system
  • Ear, nose and throat
  • Eye (not cataracts)
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Kidney and bladder
  • Lung and chest
  • Male reproductive system
  • Pain management
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Skin
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 86.1% · Commonwealth Ombudsman, 2024-25

$93.75†a month after the base-tier rebate (24.1%)
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no commission on this policy

ahmahm

ahm

bronze no fuss
Bronze$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
18 of 38 hospital treatments covered
Not covered (17) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Cataracts
  • Dental surgery
  • Dialysis for chronic kidney failure
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Lung and chest
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 85.4% for Medibank, the insurer of ahm · Commonwealth Ombudsman, 2024-25

$93.94†a month after the base-tier rebate (24.1%)
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no commission on this policy

Latrobe Health ServicesLatrobe Health Services

Latrobe Health Services

Basic Plus Active Hospital $750
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
10 of 38 hospital treatments covered
Not covered (25) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Brain and nervous system
  • Breast surgery (medically necessary)
  • Cataracts
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Dialysis for chronic kidney failure
  • Digestive system
  • Ear, nose and throat
  • Gastrointestinal endoscopy
  • Heart and vascular system
  • Hernia and appendix
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Kidney and bladder
  • Lung and chest
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Skin
  • Tonsils, adenoids and grommets
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 74.6% · Commonwealth Ombudsman, 2024-25

$94.31†a month after the base-tier rebate (24.1%)
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no commission on this policy

HBFHBF

HBF

Basic Hospital Plus Elevate $750/$1500 Excess
Basic Plus$750 excessEmergency ambulanceAlso with $500 excess
15 of 38 hospital treatments covered
Not covered (20) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Brain and nervous system
  • Breast surgery (medically necessary)
  • Cataracts
  • Diabetes management (excluding insulin pumps)
  • Dialysis for chronic kidney failure
  • Eye (not cataracts)
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Lung and chest
  • Pain management
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 88.4% · Commonwealth Ombudsman, 2024-25

$94.37†a month after the base-tier rebate (24.1%)
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no commission on this policy

Phoenix Health FundPhoenix Health Fund

Phoenix Health Fund

Bronze Hospital 750
Bronze$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $500 excess
18 of 38 hospital treatments covered
Not covered (17) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Cataracts
  • Dental surgery
  • Dialysis for chronic kidney failure
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Lung and chest
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 82.5% · Commonwealth Ombudsman, 2024-25

$95.08†a month after the base-tier rebate (24.1%)
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no commission on this policy

HBFHBF

HBF

Lite Bronze Hospital Plus $750/$1500 Excess
Bronze Plus$750 excessEmergency ambulanceAlso with $500 excess
22 of 38 hospital treatments covered
Not covered (13) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Cataracts
  • Dialysis for chronic kidney failure
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 88.4% · Commonwealth Ombudsman, 2024-25

$96.01†a month after the base-tier rebate (24.1%)
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no commission on this policy

HBFHBF

HBF

Basic Hospital Plus Elevate $750/$1500 Excess & Ambulance Care
Basic Plus$750 excessEmergency and non-emergency ambulanceAlso with $500 excess
15 of 38 hospital treatments covered
Not covered (20) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Brain and nervous system
  • Breast surgery (medically necessary)
  • Cataracts
  • Diabetes management (excluding insulin pumps)
  • Dialysis for chronic kidney failure
  • Eye (not cataracts)
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Lung and chest
  • Pain management
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 88.4% · Commonwealth Ombudsman, 2024-25

$96.01†a month after the base-tier rebate (24.1%)
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no commission on this policy

see-u by HBFsee-u by HBF

see-u by HBF

Saver Hospital $750 Excess (Bronze Plus)
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
19 of 38 hospital treatments covered
Not covered (16) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Cataracts
  • Dialysis for chronic kidney failure
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Lung and chest
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 88.4% for HBF, the insurer of see-u by HBF · Commonwealth Ombudsman, 2024-25

$96.24†a month after the base-tier rebate (24.1%)
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no commission on this policy

Latrobe Health ServicesLatrobe Health Services

Latrobe Health Services

Basic Plus Top Hospital $750
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
12 of 38 hospital treatments covered
Not covered (23) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Bone, joint and muscle
  • Brain and nervous system
  • Breast surgery (medically necessary)
  • Cataracts
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Dialysis for chronic kidney failure
  • Digestive system
  • Ear, nose and throat
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Kidney and bladder
  • Lung and chest
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Skin
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 74.6% · Commonwealth Ombudsman, 2024-25

$96.38†a month after the base-tier rebate (24.1%)
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no commission on this policy

Frank Health InsuranceFrank Health Insurance

Frank Health Insurance

Frank Bronze Hospital
Bronze$750 excessEmergency ambulanceDiscount for 18 to 29
18 of 38 hospital treatments covered
Not covered (17) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Cataracts
  • Dental surgery
  • Dialysis for chronic kidney failure
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Lung and chest
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 79.9% for GMHBA, the insurer of Frank Health Insurance · Commonwealth Ombudsman, 2024-25

$96.90†a month after the base-tier rebate (24.1%)
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no commission on this policy

Phoenix Health FundPhoenix Health Fund

Phoenix Health Fund

Bronze Plus Essentials Hospital 750
Bronze Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $500 excess
21 of 38 hospital treatments covered
Not covered (14) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Cataracts
  • Dialysis for chronic kidney failure
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 82.5% · Commonwealth Ombudsman, 2024-25

$96.92†a month after the base-tier rebate (24.1%)
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no commission on this policy

HBFHBF

HBF

Lite Bronze Hospital Plus $750/$1500 Excess & Ambulance Care
Bronze Plus$750 excessEmergency and non-emergency ambulanceAlso with $500 excess
22 of 38 hospital treatments covered
Not covered (13) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Cataracts
  • Dialysis for chronic kidney failure
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 88.4% · Commonwealth Ombudsman, 2024-25

$97.66†a month after the base-tier rebate (24.1%)
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no commission on this policy

BupaBupa

Bupa

Bronze Hospital $750 Excess
Bronze$750 excessEmergency ambulanceDiscount for 18 to 29
18 of 38 hospital treatments covered
Not covered (17) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Cataracts
  • Dental surgery
  • Dialysis for chronic kidney failure
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Lung and chest
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 86.1% · Commonwealth Ombudsman, 2024-25

$97.93†a month after the base-tier rebate (24.1%)
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no commission on this policy

Latrobe Health ServicesLatrobe Health Services

Latrobe Health Services

Bronze Hospital 750 Excess
Bronze$750 excessEmergency ambulanceDiscount for 18 to 29
18 of 38 hospital treatments covered
Not covered (17) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Cataracts
  • Dental surgery
  • Dialysis for chronic kidney failure
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Lung and chest
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 74.6% · Commonwealth Ombudsman, 2024-25

$98.05†a month after the base-tier rebate (24.1%)
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no commission on this policy

MedibankMedibank

Medibank

Medibank Bronze Plus Value
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess
24 of 38 hospital treatments covered
Not covered (12) · Restricted (2)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Cataracts
  • Dialysis for chronic kidney failure
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Pregnancy and birth
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Rehabilitation

Member retention (hospital cover): 85.4% · Commonwealth Ombudsman, 2024-25

$98.91†a month after the base-tier rebate (24.1%)
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no commission on this policy

ahmahm

ahm

bronze plus everyday
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
23 of 38 hospital treatments covered
Not covered (12) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Cataracts
  • Dialysis for chronic kidney failure
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Pregnancy and birth
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 85.4% for Medibank, the insurer of ahm · Commonwealth Ombudsman, 2024-25

$99.44†a month after the base-tier rebate (24.1%)
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no commission on this policy

WestfundWestfund

Westfund

Bronze 750 Hospital
Bronze$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $500 excess
18 of 38 hospital treatments covered
Not covered (17) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Cataracts
  • Dental surgery
  • Dialysis for chronic kidney failure
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Lung and chest
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 86.3% · Commonwealth Ombudsman, 2024-25

$100.79†a month after the base-tier rebate (24.1%)
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no commission on this policy

Latrobe Health ServicesLatrobe Health Services

Latrobe Health Services

Bronze Plus Hospital 750 Excess
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
21 of 38 hospital treatments covered
Not covered (14) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Cataracts
  • Dialysis for chronic kidney failure
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 74.6% · Commonwealth Ombudsman, 2024-25

$101.01†a month after the base-tier rebate (24.1%)
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no commission on this policy

Queensland Country Health FundQueensland Country Health Fund

Queensland Country Health Fund

Core Hospital (Basic+) $750 excess
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
10 of 38 hospital treatments covered
Not covered (25) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Bone, joint and muscle
  • Brain and nervous system
  • Breast surgery (medically necessary)
  • Cataracts
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Diabetes management (excluding insulin pumps)
  • Dialysis for chronic kidney failure
  • Digestive system
  • Ear, nose and throat
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Kidney and bladder
  • Lung and chest
  • Pain management
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25

$101.07†a month after the base-tier rebate (24.1%)
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no commission on this policy

Frank Health InsuranceFrank Health Insurance

Frank Health Insurance

Frank Bronze Plus Hospital
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
22 of 38 hospital treatments covered
Not covered (13) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Cataracts
  • Dialysis for chronic kidney failure
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 79.9% for GMHBA, the insurer of Frank Health Insurance · Commonwealth Ombudsman, 2024-25

$101.38†a month after the base-tier rebate (24.1%)
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no commission on this policy

HCFHCF

HCF

HCF HOSPITAL BRONZE $750 EXCESS
Bronze$750 excessEmergency ambulance
18 of 38 hospital treatments covered
Not covered (17) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Cataracts
  • Dental surgery
  • Dialysis for chronic kidney failure
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Lung and chest
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 83.7% · Commonwealth Ombudsman, 2024-25

$101.73†a month after the base-tier rebate (24.1%)
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no commission on this policy

see-u by HBFsee-u by HBF

see-u by HBF

Smart Hospital $750 Excess (Bronze Plus)
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29
22 of 38 hospital treatments covered
Not covered (13) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Cataracts
  • Dialysis for chronic kidney failure
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Pain management with device
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 88.4% for HBF, the insurer of see-u by HBF · Commonwealth Ombudsman, 2024-25

$102.66†a month after the base-tier rebate (24.1%)
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no commission on this policy

Latrobe Health ServicesLatrobe Health Services

Latrobe Health Services

Bronze Hospital 500 Excess
Bronze$500 excessEmergency ambulanceDiscount for 18 to 29
18 of 38 hospital treatments covered
Not covered (17) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Cataracts
  • Dental surgery
  • Dialysis for chronic kidney failure
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Lung and chest
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 74.6% · Commonwealth Ombudsman, 2024-25

$103.05†a month after the base-tier rebate (24.1%)
Go to insurer
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no commission on this policy

nibnib

nib

Bronze Hospital $750 Excess
Bronze$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
18 of 38 hospital treatments covered
Not covered (17) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Cataracts
  • Dental surgery
  • Dialysis for chronic kidney failure
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Lung and chest
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 79.0% · Commonwealth Ombudsman, 2024-25

$103.51†a month after the base-tier rebate (24.1%)
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nibnib

nib

Bronze Protect Hospital Plus $750 Excess
Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess
22 of 38 hospital treatments covered
Not covered (13) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Cataracts
  • Dialysis for chronic kidney failure
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 79.0% · Commonwealth Ombudsman, 2024-25

$103.78†a month after the base-tier rebate (24.1%)
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WestfundWestfund

Westfund

Bronze Plus 750 Hospital
Bronze Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $500 excess
21 of 38 hospital treatments covered
Not covered (14) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Cataracts
  • Dialysis for chronic kidney failure
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Lung and chest
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 86.3% · Commonwealth Ombudsman, 2024-25

$104.07†a month after the base-tier rebate (24.1%)
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no commission on this policy

Queensland Country Health FundQueensland Country Health Fund

Queensland Country Health Fund

Budget Hospital (Basic+) $750 excess
Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29
10 of 38 hospital treatments covered
Not covered (25) · Restricted (3)

Not covered

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Brain and nervous system
  • Breast surgery (medically necessary)
  • Cataracts
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Dialysis for chronic kidney failure
  • Digestive system
  • Ear, nose and throat
  • Eye (not cataracts)
  • Gastrointestinal endoscopy
  • Gynaecology
  • Heart and vascular system
  • Implantation of hearing devices
  • Insulin pumps
  • Joint replacements
  • Male reproductive system
  • Pain management
  • Pain management with device
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery

Restricted

  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation

Member retention (hospital cover): 88.4% for HBF, the insurer of Queensland Country Health · Commonwealth Ombudsman, 2024-25

$104.58†a month after the base-tier rebate (24.1%)
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† Monthly premium: the premium the insurer filed with the Private Health Insurance Ombudsman for this state, household and excess, before the Australian Government rebate. Answer the income and age questions and every figure becomes the premium after your rebate, with any Lifetime Health Cover loading added to the hospital share (the rebate never applies to the loading) and the age-based discount taken off it where the policy offers one. Insurers may quote a different payment frequency and round each step; check the figure with the insurer before you join.

No insurer pays to appear on this list or for its place in it. This list is every policy open to new members that insurers filed with the Ombudsman for South Australia, except corporate and members-only policies unless you include them. LookFirst does not say which tier or policy suits you. The filters are your own questions. What we cover ›

Policy details come from the PrivateHealth.gov.au dataset published by the Private Health Insurance Ombudsman on data.gov.au (release of 1 Oct 2026), licensed under Creative Commons Attribution 3.0 Australia. The dataset ›

Member retention is the Commonwealth Ombudsman's figure, from its State of the Health Funds Report 2024-25. Source: Licensed from the Commonwealth Ombudsman under a Creative Commons 4.0 licence. This report is available from the Commonwealth Ombudsman website at www.ombudsman.gov.au.