Compare Health insurance

Health insurance: hospital and extras

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 591 policies.

Policies as filed on 1 Oct 2026

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

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HCF

HospitalHCF Hospital Basic Plus $750 Excess

ExtrasHCF STARTER EXTRAS (WITH OPTICAL)

Basic Plus$750 excessEmergency ambulanceAlso with $500 excess

9 of 38 hospital treatments covered

8 of 27 extras services covered

What the extras pay back

General dental$400 yearly limit shared with other servicesup to $29 back on a check-up

Glasses and contact lenses$100 yearly limit100% back on single vision glasses

Physiotherapy$200 yearly limitup to $42 back on a first visit

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

$50.74†a month after the base-tier rebate (24.1%)

Two policies: hospital $38.83 + extras $11.91

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HBF

HospitalBasic Hospital Plus $750/$1500 Excess

ExtrasSmart Start Extras

Basic Plus$750 excessEmergency ambulanceAlso with $500 excess

5 of 38 hospital treatments covered

9 of 27 extras services covered

What the extras pay back

General dental$350 yearly limitup to $24 back on a check-up

Glasses and contact lenses$120 yearly limit100% back on single vision glasses

Physiotherapy$200 yearly limit shared with chiropractic and osteopathyup to $39 back on a first visit

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

$55.06†a month after the base-tier rebate (24.1%)

Two policies: hospital $43.72 + extras $11.34

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Frank Health Insurance

HospitalFrank Basic Plus Hospital

ExtrasFrank Bundables $250

Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29

5 of 38 hospital treatments covered

13 of 27 extras services covered

What the extras pay back

General dental$250 yearly limit shared with 12 other services, smaller limits apply50% back on a check-up

Glasses and contact lenses$250 yearly limit shared with 12 other services, smaller limits apply50% back on single vision glasses

Physiotherapy$250 yearly limit shared with 12 other services, smaller limits apply50% back on a first visit

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

$55.13†a month after the base-tier rebate (24.1%)

Two policies: hospital $43.37 + extras $11.76

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HBF

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

ExtrasSmart Start Extras

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

5 of 38 hospital treatments covered

9 of 27 extras services covered

What the extras pay back

General dental$350 yearly limitup to $24 back on a check-up

Glasses and contact lenses$120 yearly limit100% back on single vision glasses

Physiotherapy$200 yearly limit shared with chiropractic and osteopathyup to $39 back on a first visit

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

$56.71†a month after the base-tier rebate (24.1%)

Two policies: hospital $45.37 + extras $11.34

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HBF

HospitalBasic Hospital Plus Elevate $750/$1500 Excess

ExtrasSmart Start Extras

Basic Plus$750 excessEmergency ambulanceAlso with $500 excess

15 of 38 hospital treatments covered

9 of 27 extras services covered

What the extras pay back

General dental$350 yearly limitup to $24 back on a check-up

Glasses and contact lenses$120 yearly limit100% back on single vision glasses

Physiotherapy$200 yearly limit shared with chiropractic and osteopathyup to $39 back on a first visit

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

$57.57†a month after the base-tier rebate (24.1%)

Two policies: hospital $46.23 + extras $11.34

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HBF

HospitalLite Bronze Hospital Plus $750/$1500 Excess

ExtrasSmart Start Extras

Bronze Plus$750 excessEmergency ambulanceAlso with $500 excess

22 of 38 hospital treatments covered

9 of 27 extras services covered

What the extras pay back

General dental$350 yearly limitup to $24 back on a check-up

Glasses and contact lenses$120 yearly limit100% back on single vision glasses

Physiotherapy$200 yearly limit shared with chiropractic and osteopathyup to $39 back on a first visit

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

$57.86†a month after the base-tier rebate (24.1%)

Two policies: hospital $46.52 + extras $11.34

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HCF

HCF MY FUTURE 750 BASIC PLUS

Basic Plus$750 excessEmergency ambulance

10 of 38 hospital treatments covered

12 of 27 extras services covered

What the extras pay back

General dental$600 yearly limit shared with other servicesup to $29 back on a check-up

Glasses and contact lensesnot covered

Physiotherapy$600 yearly limit shared with other servicesup to $38 back on a first visit

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
Diabetes management (excluding insulin pumps)
Dialysis for chronic kidney failure
Digestive system
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
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

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

$58.03†a month after the base-tier rebate (24.1%)

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HCF

HospitalHCF HOSPITAL BRONZE PLUS $750 EXCESS

ExtrasHCF STARTER EXTRAS (WITH OPTICAL)

Bronze Plus$750 excessEmergency ambulance

25 of 38 hospital treatments covered

8 of 27 extras services covered

What the extras pay back

General dental$400 yearly limit shared with other servicesup to $29 back on a check-up

Glasses and contact lenses$100 yearly limit100% back on single vision glasses

Physiotherapy$200 yearly limitup to $42 back on a first visit

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

$59.09†a month after the base-tier rebate (24.1%)

Two policies: hospital $47.18 + extras $11.91

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HBF

HospitalBasic Hospital Plus Elevate $750/$1500 Excess & Ambulance Care

ExtrasSmart Start Extras

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

15 of 38 hospital treatments covered

9 of 27 extras services covered

What the extras pay back

General dental$350 yearly limitup to $24 back on a check-up

Glasses and contact lenses$120 yearly limit100% back on single vision glasses

Physiotherapy$200 yearly limit shared with chiropractic and osteopathyup to $39 back on a first visit

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

$59.21†a month after the base-tier rebate (24.1%)

Two policies: hospital $47.87 + extras $11.34

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HBF

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

ExtrasSmart Start Extras

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

22 of 38 hospital treatments covered

9 of 27 extras services covered

What the extras pay back

General dental$350 yearly limitup to $24 back on a check-up

Glasses and contact lenses$120 yearly limit100% back on single vision glasses

Physiotherapy$200 yearly limit shared with chiropractic and osteopathyup to $39 back on a first visit

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

$59.51†a month after the base-tier rebate (24.1%)

Two policies: hospital $48.17 + extras $11.34

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HCF

HospitalHCF HOSPITAL BRONZE $750 EXCESS

ExtrasHCF STARTER EXTRAS (WITH OPTICAL)

Bronze$750 excessEmergency ambulance

18 of 38 hospital treatments covered

8 of 27 extras services covered

What the extras pay back

General dental$400 yearly limit shared with other servicesup to $29 back on a check-up

Glasses and contact lenses$100 yearly limit100% back on single vision glasses

Physiotherapy$200 yearly limitup to $42 back on a first visit

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

$60.35†a month after the base-tier rebate (24.1%)

Two policies: hospital $48.44 + extras $11.91

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HBF

HospitalBronze Hospital Plus $750/$1500 Excess

ExtrasSmart Start Extras

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

26 of 38 hospital treatments covered

9 of 27 extras services covered

What the extras pay back

General dental$350 yearly limitup to $24 back on a check-up

Glasses and contact lenses$120 yearly limit100% back on single vision glasses

Physiotherapy$200 yearly limit shared with chiropractic and osteopathyup to $39 back on a first visit

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

$60.70†a month after the base-tier rebate (24.1%)

Two policies: hospital $49.36 + extras $11.34

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HBF

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

ExtrasSmart Start Extras

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

26 of 38 hospital treatments covered

9 of 27 extras services covered

What the extras pay back

General dental$350 yearly limitup to $24 back on a check-up

Glasses and contact lenses$120 yearly limit100% back on single vision glasses

Physiotherapy$200 yearly limit shared with chiropractic and osteopathyup to $39 back on a first visit

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

$62.35†a month after the base-tier rebate (24.1%)

Two policies: hospital $51.01 + extras $11.34

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see-u by HBF

HospitalSaver Hospital $750 Excess with Daily Co-Pay (Bronze Plus)

ExtrasStarter Extras

Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29

19 of 38 hospital treatments covered

8 of 27 extras services covered

What the extras pay back

General dental$400 yearly limitup to $25 back on a check-up

Glasses and contact lenses$150 yearly limit100% back on single vision glasses

Physiotherapy$300 yearly limit shared with 3 other servicesup to $35 back on a first visit

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

$64.40†a month after the base-tier rebate (24.1%)

Two policies: hospital $44.77 + extras $19.63

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HCF

HospitalHCF HOSPITAL BRONZE $500 EXCESS

ExtrasHCF STARTER EXTRAS (WITH OPTICAL)

Bronze$500 excessEmergency ambulance

18 of 38 hospital treatments covered

8 of 27 extras services covered

What the extras pay back

General dental$400 yearly limit shared with other servicesup to $29 back on a check-up

Glasses and contact lenses$100 yearly limit100% back on single vision glasses

Physiotherapy$200 yearly limitup to $42 back on a first visit

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

$65.03†a month after the base-tier rebate (24.1%)

Two policies: hospital $53.12 + extras $11.91

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HCF

HCF MY FUTURE 500 BASIC PLUS

Basic Plus$500 excessEmergency ambulance

10 of 38 hospital treatments covered

13 of 27 extras services covered

What the extras pay back

General dental$750 yearly limit shared with other servicesup to $29 back on a check-up

Glasses and contact lenses$180 yearly limit100% back on single vision glasses

Physiotherapy$750 yearly limit shared with other servicesup to $38 back on a first visit

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
Diabetes management (excluding insulin pumps)
Dialysis for chronic kidney failure
Digestive system
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
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

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

$65.31†a month after the base-tier rebate (24.1%)

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Westfund

HospitalBasic Plus 750 Hospital

ExtrasStarter Extras

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

4 of 38 hospital treatments covered

15 of 27 extras services covered

What the extras pay back

General dental$400 yearly limit shared with root canalup to $28 back on a check-up

Glasses and contact lenses$400 yearly limit shared with other services, smaller limits applyup to $180 back on single vision glasses

Physiotherapy$400 yearly limit shared with other servicesup to $25 back on a first visit

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

$66.06†a month after the base-tier rebate (24.1%)

Two policies: hospital $43.67 + extras $22.39

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Queensland Country Health Fund

HospitalCore Hospital (Basic+) $750 excess

ExtrasYoung Extras

Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29

10 of 38 hospital treatments covered

14 of 27 extras services covered

What the extras pay back

General dental$500 yearly limit shared with major dentalup to $42 back on a check-up

Glasses and contact lenses$225 yearly limitup to $225 back on single vision glasses

Physiotherapy$400 yearly limitup to $42 back on a first visit

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

$66.07†a month after the base-tier rebate (24.1%)

Two policies: hospital $41.64 + extras $24.43

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Queensland Country Health Fund

Core Hospital (Basic+) $750 excess & Young Extras

Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29

10 of 38 hospital treatments covered

14 of 27 extras services covered

What the extras pay back

General dental$500 yearly limit shared with major dentalup to $42 back on a check-up

Glasses and contact lenses$225 yearly limitup to $225 back on single vision glasses

Physiotherapy$400 yearly limitup to $42 back on a first visit

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

$66.07†a month after the base-tier rebate (24.1%)

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see-u by HBF

HospitalSaver Hospital $750 Excess (Bronze Plus)

ExtrasStarter Extras

Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29

19 of 38 hospital treatments covered

8 of 27 extras services covered

What the extras pay back

General dental$400 yearly limitup to $25 back on a check-up

Glasses and contact lenses$150 yearly limit100% back on single vision glasses

Physiotherapy$300 yearly limit shared with 3 other servicesup to $35 back on a first visit

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

$66.12†a month after the base-tier rebate (24.1%)

Two policies: hospital $46.49 + extras $19.63

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RT Health

HospitalBasic Plus Starter Hospital $750 Excess

ExtrasValue Extras

Basic Plus$750 excessEmergency ambulanceAlso with $500 excess

9 of 38 hospital treatments covered

13 of 27 extras services covered

What the extras pay back

General dental$500 yearly limitup to $30 back on a check-up

Glasses and contact lenses$200 yearly limit100% back on single vision glasses

Physiotherapy$350 yearly limitup to $40 back on a first visit

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

$67.02†a month after the base-tier rebate (24.1%)

Two policies: hospital $38.83 + extras $28.19

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RT Health

Basic Plus Starter Hospital $750 Excess and Value Extras

Basic Plus$750 excessEmergency ambulanceAlso with $500 excess

9 of 38 hospital treatments covered

13 of 27 extras services covered

What the extras pay back

General dental$500 yearly limitup to $30 back on a check-up

Glasses and contact lenses$200 yearly limit100% back on single vision glasses

Physiotherapy$350 yearly limitup to $40 back on a first visit

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

$67.02†a month after the base-tier rebate (24.1%)

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Frank Health Insurance

HospitalFrank Bronze Hospital

ExtrasFrank Bundables $250

Bronze$750 excessEmergency ambulanceDiscount for 18 to 29

18 of 38 hospital treatments covered

13 of 27 extras services covered

What the extras pay back

General dental$250 yearly limit shared with 12 other services, smaller limits apply50% back on a check-up

Glasses and contact lenses$250 yearly limit shared with 12 other services, smaller limits apply50% back on single vision glasses

Physiotherapy$250 yearly limit shared with 12 other services, smaller limits apply50% back on a first visit

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

$67.15†a month after the base-tier rebate (24.1%)

Two policies: hospital $55.39 + extras $11.76

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HCF

HospitalHCF HOSPITAL STANDARD SILVER PLUS

ExtrasHCF STARTER EXTRAS (WITH OPTICAL)

Silver Plus$750 excessEmergency ambulance

29 of 38 hospital treatments covered

8 of 27 extras services covered

What the extras pay back

General dental$400 yearly limit shared with other servicesup to $29 back on a check-up

Glasses and contact lenses$100 yearly limit100% back on single vision glasses

Physiotherapy$200 yearly limitup to $42 back on a first visit

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

$67.58†a month after the base-tier rebate (24.1%)

Two policies: hospital $55.67 + extras $11.91

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HCF

HospitalHCF HOSPITAL BRONZE PLUS $500 EXCESS

ExtrasHCF STARTER EXTRAS (WITH OPTICAL)

Bronze Plus$500 excessEmergency ambulance

25 of 38 hospital treatments covered

8 of 27 extras services covered

What the extras pay back

General dental$400 yearly limit shared with other servicesup to $29 back on a check-up

Glasses and contact lenses$100 yearly limit100% back on single vision glasses

Physiotherapy$200 yearly limitup to $42 back on a first visit

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

$67.93†a month after the base-tier rebate (24.1%)

Two policies: hospital $56.02 + extras $11.91

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Frank Health Insurance

HospitalFrank Bronze Plus Hospital

ExtrasFrank Bundables $250

Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29

22 of 38 hospital treatments covered

13 of 27 extras services covered

What the extras pay back

General dental$250 yearly limit shared with 12 other services, smaller limits apply50% back on a check-up

Glasses and contact lenses$250 yearly limit shared with 12 other services, smaller limits apply50% back on single vision glasses

Physiotherapy$250 yearly limit shared with 12 other services, smaller limits apply50% back on a first visit

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

$69.13†a month after the base-tier rebate (24.1%)

Two policies: hospital $57.37 + extras $11.76

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nib

HospitalBasic Care Hospital Plus $750 Excess

ExtrasBasic Extras

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

6 of 38 hospital treatments covered

4 of 27 extras services covered

What the extras pay back

General dental$450 yearly limitup to $35.20 back on a check-up

Glasses and contact lenses$150 yearly limit100% back on single vision glasses

Physiotherapy$200 yearly limit shared with psychology50% back on a first visit

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

$69.15†a month after the base-tier rebate (24.1%)

Two policies: hospital $47.47 + extras $21.68

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Bupa

HospitalBasic Plus Starter Hospital $750 Excess

ExtrasBudget Extras 60

Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29

7 of 38 hospital treatments covered

12 of 27 extras services covered

What the extras pay back

General dental$350 yearly limitup to $20.90 back on a check-up

Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses

Physiotherapy$350 yearly limit shared with 7 other servicesup to $29.95 back on a first visit

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

$69.66†a month after the base-tier rebate (24.1%)

Two policies: hospital $50.01 + extras $19.65

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Medibank

HospitalMedibank Basic Plus Select

ExtrasEssential Extras 60

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

7 of 38 hospital treatments covered

9 of 27 extras services covered

What the extras pay back

General dental$400 yearly limitup to $35.70 back on a check-up

Glasses and contact lenses$150 yearly limit100% back on single vision glasses

Physiotherapy$300 yearly limit shared with chiropractic and osteopathyup to $43.30 back on a first visit

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

$69.66†a month after the base-tier rebate (24.1%)

Two policies: hospital $48.00 + extras $21.66

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see-u by HBF

HospitalSmart Hospital $750 Excess (Bronze Plus)

ExtrasStarter Extras

Bronze Plus$750 excessEmergency ambulanceDiscount for 18 to 29

22 of 38 hospital treatments covered

8 of 27 extras services covered

What the extras pay back

General dental$400 yearly limitup to $25 back on a check-up

Glasses and contact lenses$150 yearly limit100% back on single vision glasses

Physiotherapy$300 yearly limit shared with 3 other servicesup to $35 back on a first visit

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

$69.80†a month after the base-tier rebate (24.1%)

Two policies: hospital $50.17 + extras $19.63

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Queensland Country Health Fund

Core Hospital (Basic+) $500 excess & Young Extras

Basic Plus$500 excessEmergency ambulanceDiscount for 18 to 29

10 of 38 hospital treatments covered

14 of 27 extras services covered

What the extras pay back

General dental$500 yearly limit shared with major dentalup to $42 back on a check-up

Glasses and contact lenses$225 yearly limitup to $225 back on single vision glasses

Physiotherapy$400 yearly limitup to $42 back on a first visit

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

$69.90†a month after the base-tier rebate (24.1%)

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Queensland Country Health Fund

HospitalCore Hospital (Basic+) $500 excess

ExtrasYoung Extras

Basic Plus$500 excessEmergency ambulanceDiscount for 18 to 29

10 of 38 hospital treatments covered

14 of 27 extras services covered

What the extras pay back

General dental$500 yearly limit shared with major dentalup to $42 back on a check-up

Glasses and contact lenses$225 yearly limitup to $225 back on single vision glasses

Physiotherapy$400 yearly limitup to $42 back on a first visit

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

$69.91†a month after the base-tier rebate (24.1%)

Two policies: hospital $45.48 + extras $24.43

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HCF

HCF MY FUTURE 250 BASIC PLUS

Basic Plus$250 excessEmergency ambulance

10 of 38 hospital treatments covered

13 of 27 extras services covered

What the extras pay back

General dental$900 yearly limit shared with other servicesup to $29 back on a check-up

Glasses and contact lenses$180 yearly limit100% back on single vision glasses

Physiotherapy$900 yearly limit shared with other servicesup to $38 back on a first visit

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
Diabetes management (excluding insulin pumps)
Dialysis for chronic kidney failure
Digestive system
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
Weight loss surgery

Restricted

Hospital psychiatric services
Palliative care
Rehabilitation

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

$70.65†a month after the base-tier rebate (24.1%)

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AIA Health Insurance

Basic Plus Hospital 750 and Base Set Extras

Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29

6 of 38 hospital treatments covered

9 of 27 extras services covered

What the extras pay back

General dental$300 yearly limitup to $29 back on a check-up

Glasses and contact lensesnot covered

Physiotherapy$200 yearly limit shared with 5 other servicesup to $40 back on a first visit

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

$70.65†a month after the base-tier rebate (24.1%)

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HIF

HospitalBasic Plus Hospital $750/$1500

ExtrasBasic Extras

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

3 of 38 hospital treatments covered

5 of 27 extras services covered

What the extras pay back

General dental$400 yearly limit50% back on a check-up

Glasses and contact lenses$150 yearly limit100% back on single vision glasses

Physiotherapy$300 yearly limit shared with other services50% back on a first visit

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

$71.18†a month after the base-tier rebate (24.1%)

Two policies: hospital $47.01 + extras $24.17

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nib

HospitalBasic Essential Hospital Plus $750 Excess

ExtrasBasic Extras

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

7 of 38 hospital treatments covered

4 of 27 extras services covered

What the extras pay back

General dental$450 yearly limitup to $35.20 back on a check-up

Glasses and contact lenses$150 yearly limit100% back on single vision glasses

Physiotherapy$200 yearly limit shared with psychology50% back on a first visit

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

$71.31†a month after the base-tier rebate (24.1%)

Two policies: hospital $49.63 + extras $21.68

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Medibank

HospitalMedibank Bronze Plus Value

ExtrasEssential Extras 60

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

24 of 38 hospital treatments covered

9 of 27 extras services covered

What the extras pay back

General dental$400 yearly limitup to $35.70 back on a check-up

Glasses and contact lenses$150 yearly limit100% back on single vision glasses

Physiotherapy$300 yearly limit shared with chiropractic and osteopathyup to $43.30 back on a first visit

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

$71.44†a month after the base-tier rebate (24.1%)

Two policies: hospital $49.78 + extras $21.66

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ahm

Hospitalcore hospital (basic+)

Extrasvalue extras

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

6 of 38 hospital treatments covered

13 of 27 extras services covered

What the extras pay back

General dental$650 yearly limit shared with other services, smaller limits applyup to $28.55 back on a check-up

Glasses and contact lenses$180 yearly limit100% back on single vision glasses

Physiotherapy$200 yearly limitup to $34 back on a first visit

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

$71.93†a month after the base-tier rebate (24.1%)

Two policies: hospital $43.21 + extras $28.72

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Latrobe Health Services

HospitalBasic Plus Active Hospital $750

ExtrasBasic Extras

Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29

10 of 38 hospital treatments covered

10 of 27 extras services covered

What the extras pay back

General dental$500 yearly limitup to $30.50 back on a check-up

Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses

Physiotherapy$250 yearly limit shared with other servicesup to $30 back on a first visit

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

$72.02†a month after the base-tier rebate (24.1%)

Two policies: hospital $52.40 + extras $19.62

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GMHBA

HospitalGMHBA Basic Plus Starter Hospital

ExtrasGMHBA SmartCare Starter Boost Extras with sub-limits

Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29

5 of 38 hospital treatments covered

5 of 27 extras services covered

What the extras pay back

General dental$500 yearly limit shared with 3 other services, smaller limits apply100% back on a check-up

Glasses and contact lenses$150 yearly limit100% back on single vision glasses

Physiotherapy$500 yearly limit shared with 3 other services, smaller limits apply60% back on a first visit

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

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

Two policies: hospital $50.04 + extras $22.12

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Australian Unity

Simple Saver (Basic Plus)

Basic Plus$750 excessEmergency ambulanceAlso with $500 excess

4 of 38 hospital treatments covered

9 of 27 extras services covered

What the extras pay back

General dental$1,100 yearly limit, shared with other services, smaller limits apply60% back on a check-up

Glasses and contact lensesnot covered

Physiotherapy$1,100 yearly limit, shared with other services, smaller limits apply60% back on a first visit

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

$72.35†a month after the base-tier rebate (24.1%)

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nib

HospitalBronze Hospital $750 Excess

ExtrasBasic Extras

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

18 of 38 hospital treatments covered

4 of 27 extras services covered

What the extras pay back

General dental$450 yearly limitup to $35.20 back on a check-up

Glasses and contact lenses$150 yearly limit100% back on single vision glasses

Physiotherapy$200 yearly limit shared with psychology50% back on a first visit

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

$72.45†a month after the base-tier rebate (24.1%)

Two policies: hospital $50.77 + extras $21.68

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Latrobe Health Services

HospitalBasic Plus Top Hospital $750

ExtrasBasic Extras

Basic Plus$750 excessEmergency ambulanceDiscount for 18 to 29

12 of 38 hospital treatments covered

10 of 27 extras services covered

What the extras pay back

General dental$500 yearly limitup to $30.50 back on a check-up

Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses

Physiotherapy$250 yearly limit shared with other servicesup to $30 back on a first visit

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

$73.16†a month after the base-tier rebate (24.1%)

Two policies: hospital $53.54 + extras $19.62

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HBF

HospitalEssential Silver Hospital $750/$1500 Excess

ExtrasSmart Start Extras

Silver Plus$750 excessEmergency ambulanceAlso with $500 excess

29 of 38 hospital treatments covered

9 of 27 extras services covered

What the extras pay back

General dental$350 yearly limitup to $24 back on a check-up

Glasses and contact lenses$120 yearly limit100% back on single vision glasses

Physiotherapy$200 yearly limit shared with chiropractic and osteopathyup to $39 back on a first visit

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

$73.26†a month after the base-tier rebate (24.1%)

Two policies: hospital $61.92 + extras $11.34

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nib

HospitalBronze Protect Hospital Plus $750 Excess

ExtrasBasic Extras

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

22 of 38 hospital treatments covered

4 of 27 extras services covered

What the extras pay back

General dental$450 yearly limitup to $35.20 back on a check-up

Glasses and contact lenses$150 yearly limit100% back on single vision glasses

Physiotherapy$200 yearly limit shared with psychology50% back on a first visit

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

$73.81†a month after the base-tier rebate (24.1%)

Two policies: hospital $52.13 + extras $21.68

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Bupa

HospitalBronze Hospital $750 Excess

ExtrasBudget Extras 60

Bronze$750 excessEmergency ambulanceDiscount for 18 to 29

18 of 38 hospital treatments covered

12 of 27 extras services covered

What the extras pay back

General dental$350 yearly limitup to $20.90 back on a check-up

Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses

Physiotherapy$350 yearly limit shared with 7 other servicesup to $29.95 back on a first visit

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

$73.83†a month after the base-tier rebate (24.1%)

Two policies: hospital $54.18 + extras $19.65

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AAMI Health Insurance

HospitalAAMI Basic Hospital Plus $750 Excess

ExtrasAAMI Starter Extras

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

7 of 38 hospital treatments covered

6 of 27 extras services covered

What the extras pay back

General dental$350 yearly limitup to $35.20 back on a check-up

Glasses and contact lenses$150 yearly limit60% back on single vision glasses

Physiotherapy$250 yearly limit shared with chiropractic and osteopathy60% back on a first visit

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

$74.26†a month after the base-tier rebate (24.1%)

Two policies: hospital $49.26 + extras $25.00

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Suncorp Health Insurance

HospitalSuncorp Health Insurance Basic Hospital Plus $750 Excess

ExtrasSuncorp Health Insurance Starter Extras

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

7 of 38 hospital treatments covered

6 of 27 extras services covered

What the extras pay back

General dental$350 yearly limitup to $35.20 back on a check-up

Glasses and contact lenses$150 yearly limit60% back on single vision glasses

Physiotherapy$250 yearly limit shared with other services60% back on a first visit

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

$74.30†a month after the base-tier rebate (24.1%)

Two policies: hospital $49.26 + extras $25.04

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Bupa

HospitalBasic Plus Starter Hospital $500 Excess

ExtrasBudget Extras 60

Basic Plus$500 excessEmergency ambulanceDiscount for 18 to 29

7 of 38 hospital treatments covered

12 of 27 extras services covered

What the extras pay back

General dental$350 yearly limitup to $20.90 back on a check-up

Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses

Physiotherapy$350 yearly limit shared with 7 other servicesup to $29.95 back on a first visit

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

$74.89†a month after the base-tier rebate (24.1%)

Two policies: hospital $55.24 + extras $19.65

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HBF

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

ExtrasSmart Start Extras

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

29 of 38 hospital treatments covered

9 of 27 extras services covered

What the extras pay back

General dental$350 yearly limitup to $24 back on a check-up

Glasses and contact lenses$120 yearly limit100% back on single vision glasses

Physiotherapy$200 yearly limit shared with chiropractic and osteopathyup to $39 back on a first visit

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

$74.91†a month after the base-tier rebate (24.1%)

Two policies: hospital $63.57 + extras $11.34

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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 Northern Territory, 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.