Hospital cover in Western Australia

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

$65.79†a month after the base-tier rebate (24.1%)

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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

$65.79†a month after the base-tier rebate (24.1%)

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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

$66.89†a month after the base-tier rebate (24.1%)

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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

$67.87†a month after the base-tier rebate (24.1%)

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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

$68.03†a month after the base-tier rebate (24.1%)

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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

$69.47†a month after the base-tier rebate (24.1%)

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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

$69.61†a month after the base-tier rebate (24.1%)

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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

$70.08†a month after the base-tier rebate (24.1%)

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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

$70.87†a month after the base-tier rebate (24.1%)

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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

$71.03†a month after the base-tier rebate (24.1%)

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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

$71.06†a month after the base-tier rebate (24.1%)

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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

$71.25†a month after the base-tier rebate (24.1%)

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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

$71.40†a month after the base-tier rebate (24.1%)

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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

$71.86†a month after the base-tier rebate (24.1%)

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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

$72.16†a month after the base-tier rebate (24.1%)

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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

$72.61†a month after the base-tier rebate (24.1%)

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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

$72.66†a month after the base-tier rebate (24.1%)

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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

$72.68†a month after the base-tier rebate (24.1%)

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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

$73.10†a month after the base-tier rebate (24.1%)

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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

$73.10†a month after the base-tier rebate (24.1%)

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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

$73.10†a month after the base-tier rebate (24.1%)

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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

$73.10†a month after the base-tier rebate (24.1%)

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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

$74.02†a month after the base-tier rebate (24.1%)

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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

$74.40†a month after the base-tier rebate (24.1%)

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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

$74.78†a month after the base-tier rebate (24.1%)

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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

$75.22†a month after the base-tier rebate (24.1%)

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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

$75.27†a month after the base-tier rebate (24.1%)

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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

$75.47†a month after the base-tier rebate (24.1%)

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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

$75.98†a month after the base-tier rebate (24.1%)

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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

$76.03†a month after the base-tier rebate (24.1%)

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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

$76.19†a month after the base-tier rebate (24.1%)

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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

$76.56†a month after the base-tier rebate (24.1%)

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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

$76.87†a month after the base-tier rebate (24.1%)

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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

$76.92†a month after the base-tier rebate (24.1%)

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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

$77.32†a month after the base-tier rebate (24.1%)

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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

$77.34†a month after the base-tier rebate (24.1%)

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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

$77.44†a month after the base-tier rebate (24.1%)

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Bupa

Bronze Plus Simple Hospital $750 Excess

Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29

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): 86.1% · Commonwealth Ombudsman, 2024-25

$77.55†a month after the base-tier rebate (24.1%)

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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

$77.64†a month after the base-tier rebate (24.1%)

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Bupa

Bronze Plus Select Hospital $750 Excess

Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29

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): 86.1% · Commonwealth Ombudsman, 2024-25

$77.78†a month after the base-tier rebate (24.1%)

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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

$78.07†a month after the base-tier rebate (24.1%)

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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

$78.20†a month after the base-tier rebate (24.1%)

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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

$78.97†a month after the base-tier rebate (24.1%)

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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

$79.68†a month after the base-tier rebate (24.1%)

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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

$79.84†a month after the base-tier rebate (24.1%)

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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

$80.15†a month after the base-tier rebate (24.1%)

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HCF

HCF HOSPITAL BRONZE PLUS $750 EXCESS

Bronze Plus$750 excessEmergency ambulance

25 of 38 hospital treatments covered

Not covered (11) · 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
Pregnancy and birth
Weight loss surgery

Restricted

Hospital psychiatric services
Rehabilitation

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

$81.35†a month after the base-tier rebate (24.1%)

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Medibank

Medibank Bronze Plus Advanced

Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess

27 of 38 hospital treatments covered

Not covered (9) · Restricted (2)

Not covered

Assisted reproductive services
Cataracts
Dialysis for chronic kidney failure
Heart and vascular system
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

$81.54†a month after the base-tier rebate (24.1%)

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AAMI Health Insurance

AAMI Bronze Hospital $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)
Pregnancy and birth
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

$82.04†a month after the base-tier rebate (24.1%)

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Apia Health Insurance

Apia Bronze 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)
Pregnancy and birth
Sleep studies
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

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

$82.58†a month after the base-tier rebate (24.1%)

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Qantas Insurance

Qantas Bronze 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)
Pregnancy and birth
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

$82.58†a month after the base-tier rebate (24.1%)

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Suncorp Health Insurance

Suncorp Health Insurance Bronze Hospital $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)
Pregnancy and birth
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

$82.58†a month after the base-tier rebate (24.1%)

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ING Health Insurance

ING Bronze Plus Hospital $750 Excess

Bronze Plus$750 excessEmergency 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): 79.0% for NIB, the insurer of ING Health Insurance · Commonwealth Ombudsman, 2024-25

$82.58†a month after the base-tier rebate (24.1%)

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Seniors Health Insurance

Seniors Bronze Plus Hospital $750 Excess

Bronze Plus$750 excessEmergency 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): 79.0% for NIB, the insurer of Seniors Health Insurance · Commonwealth Ombudsman, 2024-25

$82.58†a month after the base-tier rebate (24.1%)

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Real Health Insurance

Real Bronze Plus Hospital $750 Excess

Bronze Plus$750 excessEmergency 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): 79.0% for NIB, the insurer of Real Health Insurance · Commonwealth Ombudsman, 2024-25

$82.69†a month after the base-tier rebate (24.1%)

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Bupa

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): 86.1% · Commonwealth Ombudsman, 2024-25

$82.83†a month after the base-tier rebate (24.1%)

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nib

Bronze 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)
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

$83.71†a month after the base-tier rebate (24.1%)

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HIF

Bronze Hospital $750/$1500

Bronze$750 excessEmergency and non-emergency ambulanceAlso with $200 excess or $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): 76.2% · Commonwealth Ombudsman, 2024-25

$83.93†a month after the base-tier rebate (24.1%)

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AIA Health Insurance

Bronze Hospital 750

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): 84.0% · Commonwealth Ombudsman, 2024-25

$84.13†a month after the base-tier rebate (24.1%)

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no commission on this policy

Australian Unity

Core Hospital (Bronze Plus)

Bronze Plus$750 excessEmergency ambulanceAlso 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): 81.4% · Commonwealth Ombudsman, 2024-25

$84.49†a month after the base-tier rebate (24.1%)

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HCF

HCF HOSPITAL BRONZE $500 EXCESS

Bronze$500 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

$84.99†a month after the base-tier rebate (24.1%)

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Medibank

Medibank Bronze Plus Support

Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess

26 of 38 hospital treatments covered

Not covered (10) · Restricted (2)

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
Pregnancy and birth
Weight loss surgery

Restricted

Hospital psychiatric services
Rehabilitation

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

$85.10†a month after the base-tier rebate (24.1%)

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HIF

Bronze Plus Hospital $750/$1500

Bronze Plus$750 excessEmergency and non-emergency ambulanceAlso with $200 excess or $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
Insulin pumps
Joint replacements
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): 76.2% · Commonwealth Ombudsman, 2024-25

$86.16†a month after the base-tier rebate (24.1%)

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no commission on this policy

GMHBA

GMHBA Bronze Plus Core Hospital

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): 79.9% · Commonwealth Ombudsman, 2024-25

$86.24†a month after the base-tier rebate (24.1%)

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no commission on this policy

Bupa

Bronze Plus Advantage Hospital $750 Excess

Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29

26 of 38 hospital treatments covered

Not covered (10) · Restricted (2)

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
Pregnancy and birth
Weight loss surgery

Restricted

Hospital psychiatric services
Rehabilitation

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

$87.04†a month after the base-tier rebate (24.1%)

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no commission on this policy

GMHBA

GMHBA Bronze Plus Advantage Hospital $750

Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29

23 of 38 hospital treatments covered

Not covered (12) · 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
Lung and chest
Pain management with device
Pregnancy and birth
Sleep studies
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

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

$87.11†a month after the base-tier rebate (24.1%)

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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

$87.17†a month after the base-tier rebate (24.1%)

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ahm

bronze plus loaded

Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess

25 of 38 hospital treatments covered

Not covered (10) · Restricted (3)

Not covered

Assisted reproductive services
Cataracts
Dialysis for chronic kidney failure
Heart and vascular system
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

$88.67†a month after the base-tier rebate (24.1%)

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Latrobe Health Services

Bronze Plus Hospital 500 Excess

Bronze Plus$500 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

$88.90†a month after the base-tier rebate (24.1%)

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Bupa

Bronze Plus Simple Hospital $500 Excess

Bronze Plus$500 excessEmergency ambulanceDiscount for 18 to 29

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): 86.1% · Commonwealth Ombudsman, 2024-25

$88.93†a month after the base-tier rebate (24.1%)

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Bupa

Bronze Plus Select Hospital $500 Excess

Bronze Plus$500 excessEmergency ambulanceDiscount for 18 to 29

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): 86.1% · Commonwealth Ombudsman, 2024-25

$89.88†a month after the base-tier rebate (24.1%)

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HBF

Bronze Hospital Plus $750/$1500 Excess

Bronze Plus$750 excessEmergency ambulanceAlso with $250 excess or $500 excess

26 of 38 hospital treatments covered

Not covered (10) · Restricted (2)

Not covered

Assisted reproductive services
Cataracts
Dialysis for chronic kidney failure
Heart and vascular system
Implantation of hearing devices
Insulin pumps
Joint replacements
Podiatric surgery (provided by a registered podiatric surgeon)
Pregnancy and birth
Weight loss surgery

Restricted

Hospital psychiatric services
Rehabilitation

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

$89.91†a month after the base-tier rebate (24.1%)

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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%)

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RT Health

Bronze Plus Essential Hospital $700 Excess

Bronze Plus$700 excessEmergency ambulance

27 of 38 hospital treatments covered

Not covered (9) · Restricted (2)

Not covered

Assisted reproductive services
Back, neck and spine
Cataracts
Dialysis for chronic kidney failure
Heart and vascular system
Insulin pumps
Joint replacements
Pregnancy and birth
Weight loss surgery

Restricted

Hospital psychiatric services
Rehabilitation

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

$91.42†a month after the base-tier rebate (24.1%)

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HBF

Bronze Hospital Plus $750/$1500 Excess & Ambulance Care

Bronze Plus$750 excessEmergency and non-emergency ambulanceAlso with $250 excess or $500 excess

26 of 38 hospital treatments covered

Not covered (10) · Restricted (2)

Not covered

Assisted reproductive services
Cataracts
Dialysis for chronic kidney failure
Heart and vascular system
Implantation of hearing devices
Insulin pumps
Joint replacements
Podiatric surgery (provided by a registered podiatric surgeon)
Pregnancy and birth
Weight loss surgery

Restricted

Hospital psychiatric services
Rehabilitation

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

$91.56†a month after the base-tier rebate (24.1%)

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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

$91.59†a month after the base-tier rebate (24.1%)

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AIA Health Insurance

Bronze Plus Essential Hospital 750

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)
Pregnancy and birth
Sleep studies
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

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

$91.93†a month after the base-tier rebate (24.1%)

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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

$92.20†a month after the base-tier rebate (24.1%)

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HCF

HCF HOSPITAL BRONZE PLUS $500 EXCESS

Bronze Plus$500 excessEmergency ambulance

25 of 38 hospital treatments covered

Not covered (11) · 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
Pregnancy and birth
Weight loss surgery

Restricted

Hospital psychiatric services
Rehabilitation

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

$93.05†a month after the base-tier rebate (24.1%)

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ahm

bronze plus support

Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess

21 of 38 hospital treatments covered

Not covered (14) · Restricted (3)

Not covered

Assisted reproductive services
Blood
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): 85.4% for Medibank, the insurer of ahm · Commonwealth Ombudsman, 2024-25

$93.18†a month after the base-tier rebate (24.1%)

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HCF

HCF HOSPITAL STANDARD SILVER PLUS

Silver Plus$750 excessEmergency ambulance

29 of 38 hospital treatments covered

Not covered (8) · Restricted (1)

Not covered

Assisted reproductive services
Cataracts
Dialysis for chronic kidney failure
Insulin pumps
Joint replacements
Pain management with device
Pregnancy and birth
Weight loss surgery

Restricted

Hospital psychiatric services

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

$99.62†a month after the base-tier rebate (24.1%)

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RT Health

Bronze Plus Essential Hospital $350 Excess

Bronze Plus$350 excessEmergency ambulance

27 of 38 hospital treatments covered

Not covered (9) · Restricted (2)

Not covered

Assisted reproductive services
Back, neck and spine
Cataracts
Dialysis for chronic kidney failure
Heart and vascular system
Insulin pumps
Joint replacements
Pregnancy and birth
Weight loss surgery

Restricted

Hospital psychiatric services
Rehabilitation

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

$100.86†a month after the base-tier rebate (24.1%)

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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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Bupa

Bronze Plus Advantage Hospital $500 Excess

Bronze Plus$500 excessEmergency ambulanceDiscount for 18 to 29

26 of 38 hospital treatments covered

Not covered (10) · Restricted (2)

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
Pregnancy and birth
Weight loss surgery

Restricted

Hospital psychiatric services
Rehabilitation

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

$101.49†a month after the base-tier rebate (24.1%)

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no commission on this policy

Australian Unity

Standard Hospital (Bronze Plus)

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
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): 81.4% · Commonwealth Ombudsman, 2024-25

$102.10†a month after the base-tier rebate (24.1%)

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RT Health

Silver Plus Standard Hospital $750 Excess

Silver Plus$750 excessEmergency ambulance

30 of 38 hospital treatments covered

Not covered (7) · Restricted (1)

Not covered

Assisted reproductive services
Cataracts
Dialysis for chronic kidney failure
Insulin pumps
Joint replacements
Pregnancy and birth
Weight loss surgery

Restricted

Hospital psychiatric services

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

$102.76†a month after the base-tier rebate (24.1%)

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see-u by HBF

Secure Hospital $750 Excess (Silver)

Silver$750 excessEmergency ambulanceDiscount for 18 to 29

27 of 38 hospital treatments covered

Not covered (9) · Restricted (2)

Not covered

Assisted reproductive services
Cataracts
Dialysis for chronic kidney failure
Insulin pumps
Joint replacements
Pain management with device
Pregnancy and birth
Sleep studies
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care

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

$103.32†a month after the base-tier rebate (24.1%)

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HBF

Essential Silver Hospital $750/$1500 Excess

Silver Plus$750 excessEmergency ambulanceAlso with $500 excess

29 of 38 hospital treatments covered

Not covered (8) · Restricted (1)

Not covered

Assisted reproductive services
Cataracts
Dialysis for chronic kidney failure
Insulin pumps
Joint replacements
Pain management with device
Pregnancy and birth
Weight loss surgery

Restricted

Hospital psychiatric services

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

$103.53†a month after the base-tier rebate (24.1%)

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ahm

essentials silver plus

Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess

29 of 38 hospital treatments covered

Not covered (8) · Restricted (1)

Not covered

Assisted reproductive services
Cataracts
Dialysis for chronic kidney failure
Insulin pumps
Joint replacements
Pain management with device
Pregnancy and birth
Weight loss surgery

Restricted

Hospital psychiatric services

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

$104.07†a month after the base-tier rebate (24.1%)

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no commission on this policy

Phoenix Health Fund

Silver Plus Support Hospital 750

Silver Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29Also with $500 excess

27 of 38 hospital treatments covered

Not covered (8) · Restricted (3)

Not covered

Assisted reproductive services
Cataracts
Dialysis for chronic kidney failure
Insulin pumps
Joint replacements
Pain management with device
Pregnancy and birth
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

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

$104.15†a month after the base-tier rebate (24.1%)

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no commission on this policy

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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no commission on this policy

Bupa

Silver Plus Classic Hospital $750 Excess

Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29

28 of 38 hospital treatments covered

Not covered (8) · Restricted (2)

Not covered

Assisted reproductive services
Cataracts
Dialysis for chronic kidney failure
Insulin pumps
Joint replacements
Pain management with device
Pregnancy and birth
Weight loss surgery

Restricted

Hospital psychiatric services
Rehabilitation

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

$104.72†a month after the base-tier rebate (24.1%)

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no commission on this policy

Frank Health Insurance

Frank Bronze Plus Max Hospital

Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29

24 of 38 hospital treatments covered

Not covered (11) · Restricted (3)

Not covered

Assisted reproductive services
Back, neck and spine
Cataracts
Dialysis for chronic kidney failure
Implantation of hearing devices
Insulin pumps
Joint replacements
Pain management with device
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

$104.72†a month after the base-tier rebate (24.1%)

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Health Partners

Bronze 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
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): 88.7% · Commonwealth Ombudsman, 2024-25

$104.73†a month after the base-tier rebate (24.1%)

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HBF

Essential Silver Hospital $750/$1500 Excess & Ambulance Care

Silver Plus$750 excessEmergency and non-emergency ambulanceAlso with $500 excess

29 of 38 hospital treatments covered

Not covered (8) · Restricted (1)

Not covered

Assisted reproductive services
Cataracts
Dialysis for chronic kidney failure
Insulin pumps
Joint replacements
Pain management with device
Pregnancy and birth
Weight loss surgery

Restricted

Hospital psychiatric services

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

$105.18†a month after the base-tier rebate (24.1%)

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no commission on this policy

Latrobe Health Services

Bronze Plus Hospital 250 Excess

Bronze Plus$250 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

$106.30†a month after the base-tier rebate (24.1%)

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Peoplecare

Bronze Plus Hospital $750

Bronze Plus$750 excessEmergency and non-emergency ambulanceDiscount for 18 to 29

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): 79.9% · Commonwealth Ombudsman, 2024-25

$106.77†a month after the base-tier rebate (24.1%)

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Queensland Country Health Fund

Core Hospital (Basic+) $500 excess

Basic Plus$500 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

$107.62†a month after the base-tier rebate (24.1%)

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nib

Silver Secure Hospital Plus $750 Excess

Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $500 excess

29 of 38 hospital treatments covered

Not covered (8) · Restricted (1)

Not covered

Assisted reproductive services
Cataracts
Dialysis for chronic kidney failure
Insulin pumps
Joint replacements
Pain management with device
Pregnancy and birth
Weight loss surgery

Restricted

Hospital psychiatric services

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

$107.86†a month after the base-tier rebate (24.1%)

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Medibank

Medibank Silver Plus Core

Silver Plus$750 excessEmergency ambulanceDiscount for 18 to 29Also with $250 excess or $500 excess

28 of 38 hospital treatments covered

Not covered (8) · Restricted (2)

Not covered

Assisted reproductive services
Cataracts
Dialysis for chronic kidney failure
Insulin pumps
Joint replacements
Pain management with device
Pregnancy and birth
Weight loss surgery

Restricted

Hospital psychiatric services
Rehabilitation

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

$108.25†a month after the base-tier rebate (24.1%)

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Health insurance: hospital cover