Basic Plus · $750 excess · pregnancy no · psychiatric restricted · joints no
$254.80/mo
$3,057.60/yr before rebate
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Health insurance question · New South Wales · Couple · release 2026-10-01 · ranked 2026-11-09
Cheapest hospital and extras cover in New South Wales for a couple
In New South Wales, the cheapest of 734 published open hospital-and-extras policies for a couple from 26 insurers across 7 tiers (median $541.50 a month) is Australian Unity Health Limited's Care 'n Repair (Basic Plus) at $254.80 a month before the government rebate, or about $193.35 after the 24.118% rebate for under-65s on the base income tier (up to $210,000, 1 July 2026 to 31 March 2027), with a $750 excess per person, as published to the Private Health Insurance Ombudsman in its monthly open-data release dated 2026-10-01, read and ranked by OpenStream on 2026-11-09.
The answers above this page
The cheapest policy on each of the 7 tiers
A tier names what the regulator requires a policy to cover: Basic the least, Gold every clinical category. The cheapest overall is a Basic Plus policy; each row links to every policy on that tier for a couple in New South Wales.
1 Go to Australian Unity Health Limited2 
Basic · $750 excess · pregnancy no · psychiatric restricted · joints noGo to AIA Health Insurance Pty Ltd$274.06/mo$3,288.72/yr before rebate3 Bronze · $750 excess · pregnancy no · psychiatric restricted · joints noGo to AIA Health Insurance Pty Ltd$320.70/mo$3,848.40/yr before rebate4 Bronze Plus · $750 excess · pregnancy no · psychiatric restricted · joints noGo to Phoenix Health Fund Limited$332.66/mo$3,991.92/yr before rebate5 Silver · $750 excess · pregnancy no · psychiatric restricted · joints noGo to AIA Health Insurance Pty Ltd$398.22/mo$4,778.64/yr before rebate6 Silver Plus · $750 excess · pregnancy no · psychiatric restricted · joints noGo to Phoenix Health Fund Limited$400.40/mo$4,804.80/yr before rebate7 Gold · $500 excess · pregnancy yes · psychiatric yes · joints yes · restricted membershipGo to Defence Health Limited$580.62/mo$6,967.44/yr before rebate
734 policies from 26 insurers answer this question in the release dated 2026-10-01; median $541.50 a month. Premiums are per month before the Australian Government rebate and any Lifetime Health Cover loading, as each insurer published them. Every tier and household in New South Wales.
The 100 cheapest of 734, ranked
As published to the Private Health Insurance Ombudsman in its monthly open-data release dated 2026-10-01, read and ranked by OpenStream on 2026-11-09. Every qualifying policy with its excess, its published premium and that premium after the government rebate in each of the three age bands the rebate is published in. This page shows the cheapest 100.
What changes the figure
Set by law, not by the insurer; quoted from PrivateHealth.gov.au with the period each applies to.
The rebate takes money off
The government pays part of every premium, in four income tiers and three age bands. For 1 July 2026 to 31 March 2027: under 65 it is 24.118% on the base tier, 16.079% on tier 1, 8.038% on tier 2 and nothing on tier 3; from 65 it rises to 28.139% and from 70 to 32.158% on the base tier. Singles' base tier ends at $105,000, families' at $210,000 plus $1,500 a child after the first. Claim it as a lower premium through the insurer, or at tax time.
PrivateHealth.gov.au, Australian Government Rebate on private health insuranceLifetime Health Cover loading adds money on
Start hospital cover after the 1 July following your 31st birthday and 2% is added for every year you were over 30, up to 70%. It comes off after 10 continuous years of cover, and you can be without cover for 1,094 days in your life before it counts against you.
PrivateHealth.gov.au, Lifetime Health CoverQuestions
Answered from the release dated 2026-10-01.
- What is the cheapest Gold hospital-and-extras policy in New South Wales for a couple?
- Defence Health Limited's ADF Total Package Gold 500 at $580.62 a month before the government rebate, or about $440.59 after the 24.118% rebate for under-65s on the base income tier (up to $210,000, 1 July 2026 to 31 March 2027), with a $500 excess per person, as published to the Private Health Insurance Ombudsman in its monthly open-data release dated 2026-10-01, read and ranked by OpenStream on 2026-11-09.
- How many hospital-and-extras policies are open to a couple in New South Wales?
- 734 open policies from 26 insurers in the release dated 2026-10-01, from $254.80 to $1,530.30 a month; the median is $541.50.
- Is the premium what I would pay?
- No. $254.80 a month is the figure Australian Unity Health Limited published to the regulator for a couple in New South Wales on 2026-10-01, before the Australian Government rebate and before any Lifetime Health Cover loading; what you pay depends on your income tier, your age when you first took hospital cover and the excess you choose.
- What is the cheapest after the Australian Government rebate?
- Australian Unity Health Limited's Care 'n Repair (Basic Plus) at $254.80 a month published comes to under 65 about $193.35 a month, 65 to 69 about $183.10 a month, 70 and over about $172.86 a month on the base income tier (1 July 2026 to 31 March 2027), as published to the Private Health Insurance Ombudsman in its monthly open-data release dated 2026-10-01, read and ranked by OpenStream on 2026-11-09. Every row below carries the same three figures.
Related
Other questions for a couple in New South Wales, the same question for other households, and the guides behind the settings.
- Cheapest hospital cover in New South Wales for a couple
- Hospital cover to avoid the Medicare Levy Surcharge in New South Wales for a couple
- Hospital cover under $200 a month in New South Wales for a couple
- Hospital cover under $250 a month in New South Wales for a couple
- Hospital cover under $300 a month in New South Wales for a couple
- Cheapest hospital and extras cover in New South Wales for a single
- Cheapest hospital and extras cover in New South Wales for a family
- Cheapest hospital and extras cover in New South Wales for a single parent
- The Medicare Levy Surcharge and hospital cover
- Lifetime Health Cover loading and the rebate
- Hospital cover tiers explained
- Every health insurance question, by state
Important information
General information only. Not advice.
- Every premium on these pages is the figure the insurer publishes to the Private Health Insurance Ombudsman's PrivateHealth.gov.au data, release dated 01-Oct-2026, shown per month before the Australian Government rebate and before any Lifetime Health Cover loading. What you pay depends on your income tier, your age when you first took hospital cover, your state and the excess you choose. It can be lower or higher than the figure shown.
- OpenStream does not consider your health, your circumstances or your needs. A cheaper policy may exclude a service you will need; waiting periods, excesses, co-payments, hospital agreements and age-based discounts differ by policy. Read the insurer's Private Health Information Statement (PHIS) before deciding; every policy here links to the regulator's record.
- OpenStream is not a registered health insurer, does not sell insurance and does not arrange cover. Links to insurers go to the insurer's own website. We receive no payment from any health insurer at the date shown; if that changes, it will be stated on this page and on the methodology page, and it will never change the order policies appear in, which is by published premium alone.
- Private health insurance is not a financial product under section 765A(1)(c) of the Corporations Act 2001, so this comparison is not a financial service and OpenStream does not hold an Australian financial services licence. If you want personal advice, speak to the insurer or a licensed adviser.
- Source: PrivateHealth.gov.au open data, published by the Private Health Insurance Ombudsman on data.gov.au under Creative Commons Attribution 3.0 Australia. Products closed to new members are not shown. Figures are reproduced, not estimated.
General information only, not advice. OpenStream is not an insurer, not a broker and holds no Australian financial services licence. It does not sell, arrange or recommend insurance, and nothing here is a recommendation or a quote. Everything on this page is built from public sources - regulators, government bodies and the providers' own published material - each named and dated where it is used, so you can check it yourself. It does not take account of your circumstances. How OpenStream works · Corrections and complaints