OpenStreamLog in
Health insurance comparison · step 1 of 9

Do you have Medicare?

The policies here are for Medicare card holders. Visitors and students need overseas visitor or student cover, which is a different product.

Tap one to begin. 7 more questions and your details, then every option for you, cheapest first. Open the check

Health insurance question · Victoria · Single · release 2026-10-01 · ranked 2026-11-09

Hospital cover under $200 a month in Victoria for a single

In Victoria, 310 open hospital policies for a single are published under $200 a month before the government rebate, from 29 insurers on 7 tiers (Gold, Silver Plus, Silver, Bronze Plus, Bronze, Basic Plus, Basic); the cheapest is ahm health insurance's ambulance hospital (basic) at $102.10 a month before the government rebate, or about $77.48 after the 24.118% rebate for under-65s on the base income tier (up to $105,000, 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 10 cheapest of 310 under $200

Every open hospital policy for a single in Victoria with a published monthly premium under $200, cheapest first. The excess and the tier decide what you pay on admission and what is covered; open the policy before comparing on price alone.

310 policies from 29 insurers answer this question in the release dated 2026-10-01; median $152.66 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 Victoria.

All 310, 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.

310 of 310 policies that answer "Is there hospital cover under $200 a month in Victoria for a single?" Premiums are reproduced from the Private Health Insurance Ombudsman's monthly open-data release dated 2026-10-01, read and ranked by OpenStream on 2026-11-09. Premium per month as published, then the same premium after the Australian Government rebate for the three age bands it is published in, on the base income tier (up to $105,000, 1 July 2026 to 31 March 2027).
#InsurerPolicyTierExcessPremium / moUnder 6565 to 6970 and over
1ahm health insuranceambulance hospital (basic)Basic$750$102.10$77.48$73.37$69.27Go to ahm
2see-u by HBFStarter Hospital $750 Excess with Daily Co-Pay (Basic)Basic$750$102.34$77.66$73.54$69.43Go to see-u
3HBF Health LimitedBasic Hospital Accident Only $750/$1500 ExcessBasic$750$102.50$77.78$73.66$69.54Go to HBF
4GMHBA LimitedFrank Basic Accident Boost HospitalBasic$750$103.00$78.16$74.02$69.88Go to GMHBA
5HBF Health LimitedBasic Hospital Accident Only $750/$1500 Excess & Ambulance CareBasic$750$104.67$79.43$75.22$71.01Go to HBF
6see-u by HBFStarter Hospital $750 Excess (Basic)Basic$750$106.78$81.03$76.73$72.44Go to see-u
7HCFHCF Reciprocal Health Cover BasicBasic$750$107.45$81.54$77.21$72.90Go to HCF
8Phoenix Health Fund LimitedBasic Accident Only HospitalBasic$750$107.69$81.72$77.39$73.06Go to Phoenix
9HCFHCF ACCIDENT ONLY BASICBasic$750$107.85$81.84$77.50$73.17Go to HCF
10ahm health insuranceambulance & accident hospital (basic)Basic$750$108.25$82.14$77.79$73.44Go to ahm
11HCiBasic Plus Hospital $750 excessBasic Plus$750$110.33$83.72$79.28$74.85Go to HCi
12Defence Health Limited
restricted membership
Starter Hospital Basic PlusBasic Plus$750$111.00$84.23$79.77$75.30Go to Defence
13GMHBA LimitedFrank Basic Plus HospitalBasic Plus$750$112.50$85.37$80.84$76.32Go to GMHBA
14TUH, part of the Teachers Health Group
restricted membership
Basic+ Hospital $750 excessBasic Plus$750$112.62$85.46$80.93$76.40Go to TUH,
15TUH, part of the Teachers Health Group
restricted membership
Union Health Basic+ Hospital $750 excessBasic Plus$750$112.62$85.46$80.93$76.40Go to TUH,
16Medibank Private LimitedMedibank Basic Accident and AmbulanceBasic$750$112.85$85.63$81.10$76.56Go to Medibank
17Bupa HI Pty LtdBasic Accident Only Hospital $750 ExcessBasic$750$112.90$85.67$81.13$76.59Go to Bupa
18GMHBA LimitedGMHBA Accident Only Hospital (Basic)Basic$750$112.95$85.71$81.17$76.63Go to GMHBA
19HCFHCF Hospital Basic Plus $750 ExcessBasic Plus$750$112.95$85.71$81.17$76.63Go to HCF
20RT Health - a division of The Hospitals Contribution FundBasic Plus Starter Hospital $750 ExcessBasic Plus$750 /policy$112.95$85.71$81.17$76.63Go to RT
21nib Health Funds Ltd.Basic Accident Hospital $750 ExcessBasic$750$114.02$86.52$81.94$77.35Go to nib
22Bupa HI Pty LtdReciprocal Health Cover - BasicBasic$500$114.35$86.77$82.17$77.58Go to Bupa
23Defence Health Limited
restricted membership
Defence Hospital Basic PlusBasic Plus$750$114.40$86.81$82.21$77.61Go to Defence
24ahm health insuranceambulance & accident hospital (basic)Basic$500$114.75$87.07$82.46$77.85Go to ahm
25GMHBA LimitedGMHBA Basic Plus Starter HospitalBasic Plus$750$115.20$87.42$82.78$78.15Go to GMHBA
26Westfund LimitedBasic Plus 750 HospitalBasic Plus$750$115.83$87.89$83.24$78.58Go to Westfund
27HBF Health LimitedBasic Hospital Plus $750/$1500 ExcessBasic Plus$750$116.32$88.27$83.59$78.91Go to HBF
28ahm health insurancecore hospital (basic+)Basic Plus$750$117.50$89.16$84.44$79.71Go to ahm
29Australian Unity Health LimitedSimple Hospital (Basic Plus)Basic Plus$750$117.85$89.43$84.69$79.95Go to Australian
30AIA Health Insurance Pty LtdBasic Accident Only Hospital 750Basic$750$117.88$89.45$84.71$79.97Go to AIA
31Defence Health Limited
restricted membership
Essentials Hospital Basic Plus 750Basic Plus$750$118.24$89.72$84.97$80.22Go to Defence
32HBF Health LimitedBasic Hospital Plus $750/$1500 Excess & Ambulance CareBasic Plus$750$118.49$89.91$85.15$80.39Go to HBF
33Bupa HI Pty LtdBasic Accident Only Hospital $500 ExcessBasic$500$119.10$90.38$85.59$80.80Go to Bupa
34nib Health Funds Ltd.Basic Accident Hospital $500 ExcessBasic$500$119.66$90.80$85.99$81.18Go to nib
35Health Insurance Fund of Australia LimitedBasic Plus Hospital $750/$1500Basic Plus$750$120.60$91.51$86.66$81.82Go to Health
36Medibank Private LimitedMedibank Basic Plus SelectBasic Plus$750$121.10$91.89$87.02$82.16Go to Medibank
37Bupa HI Pty LtdBasic Plus Starter Hospital $750 ExcessBasic Plus$750$121.50$92.20$87.31$82.43Go to Bupa
38nib Health Funds Ltd.Basic Care Hospital Plus $750 ExcessBasic Plus$750$121.65$92.31$87.42$82.53Go to nib
39HBF Health LimitedBasic Hospital Plus $500/$1000 ExcessBasic Plus$500$122.32$92.82$87.90$82.98Go to HBF
40HCFHCF Hospital Basic Plus $500 ExcessBasic Plus$500$123.49$93.71$88.74$83.78Go to HCF
41RT Health - a division of The Hospitals Contribution FundBasic Plus Starter Hospital $500 ExcessBasic Plus$500 /policy$123.49$93.71$88.74$83.78Go to RT
42Westfund LimitedBasic Plus 500 HospitalBasic Plus$500$123.50$93.71$88.75$83.78Go to Westfund
43TUH, part of the Teachers Health Group
restricted membership
Basic+ Hospital $500 excessBasic Plus$500$123.68$93.85$88.88$83.91Go to TUH,
44TUH, part of the Teachers Health Group
restricted membership
Union Health Basic+ Hospital ($500/1000 excess)Basic Plus$500$123.68$93.85$88.88$83.91Go to TUH,
45Health Insurance Fund of Australia LimitedBasic Plus Hospital $500/$1000Basic Plus$500$123.90$94.02$89.04$84.06Go to Health
46Peoplecare Health InsuranceBasic Plus Hospital $750Basic Plus$750$123.94$94.05$89.06$84.08Go to Peoplecare
47AIA Health Insurance Pty LtdBasic Accident Only Hospital 500Basic$500$124.07$94.15$89.16$84.17Go to AIA
48nib Health Funds Ltd.AAMI Basic Hospital Plus $750 ExcessBasic Plus$750$124.40$94.40$89.40$84.40Go to nib
49HBF Health LimitedBasic Hospital Plus $500/$1000 Excess & Ambulance CareBasic Plus$500$124.49$94.47$89.46$84.46Go to HBF
50Health PartnersBasic Accident Hospital $750 ExcessBasic$750$124.50$94.47$89.47$84.46Go to Health
51ahm health insurancecore hospital (basic+)Basic Plus$500$124.55$94.51$89.50$84.50Go to ahm
52GU HealthInpatriate Basic Hospital $500 Excess (Single)Basic Plus$500$125.00$94.85$89.83$84.80Go to GU
53Defence Health Limited
restricted membership
Defence Hospital Basic PlusBasic Plus$500$125.12$94.94$89.91$84.88Go to Defence
54nib Health Funds Ltd.ING Basic Plus Hospital $750 ExcessBasic Plus$750$125.17$94.98$89.95$84.92Go to nib
55AIA Health Insurance Pty LtdBasic Plus Hospital 750Basic Plus$750$125.38$95.14$90.10$85.06Go to AIA
56Medibank Private LimitedMedibank Basic Accident and AmbulanceBasic$500$125.75$95.42$90.37$85.31Go to Medibank
57nib Health Funds Ltd.Qantas Basic Hospital $750 ExcessBasic Plus$750$126.43$95.94$90.85$85.77Go to nib
58Medibank Private LimitedMedibank Basic Plus SelectBasic Plus$500$126.45$95.95$90.87$85.79Go to Medibank
59nib Health Funds Ltd.Basic Essential Hospital Plus $750 ExcessBasic Plus$750$126.48$95.98$90.89$85.81Go to nib
60nib Health Funds Ltd.Suncorp Health Insurance Basic Hospital Plus $750 ExcessBasic Plus$750$126.48$95.98$90.89$85.81Go to nib
61nib Health Funds Ltd.Real Basic Plus Hospital $750 ExcessBasic Plus$750$126.48$95.98$90.89$85.81Go to nib
62CBHS Health Fund Limited
restricted membership
Starter Basic Plus Hospital $750 ExcessBasic Plus$750$127.27$96.58$91.46$86.34Go to CBHS
63see-u by HBFSaver Hospital $750 Excess with Daily Co-Pay (Bronze Plus)Bronze Plus$750$127.93$97.08$91.93$86.79Go to see-u
64Bupa HI Pty LtdBasic Plus Starter Hospital $500 ExcessBasic Plus$500$128.25$97.32$92.16$87.01Go to Bupa
65HBF Health LimitedBasic Hospital Plus Elevate $750/$1500 ExcessBasic Plus$750$129.53$98.29$93.08$87.88Go to HBF
66Peoplecare Health InsuranceBasic Plus Hospital $500Basic Plus$500$129.76$98.46$93.25$88.03Go to Peoplecare
67Australian Unity Health LimitedSimple Hospital (Basic Plus)Basic Plus$500$130.00$98.65$93.42$88.19Go to Australian
68nib Health Funds Ltd.Basic Care Hospital Plus $500 ExcessBasic Plus$500$130.41$98.96$93.71$88.47Go to nib
69HBF Health LimitedLite Bronze Hospital Plus $750/$1500 ExcessBronze Plus$750$130.57$99.08$93.83$88.58Go to HBF
70Latrobe Health ServicesBasic Plus Active Hospital $750Basic Plus$750$131.20$99.56$94.28$89.01Go to Latrobe
71HBF Health LimitedBasic Hospital Plus Elevate $750/$1500 Excess & Ambulance CareBasic Plus$750$131.70$99.94$94.64$89.35Go to HBF
72see-u by HBFSaver Hospital $750 Excess (Bronze Plus)Bronze Plus$750$132.28$100.38$95.06$89.74Go to see-u
73HBF Health LimitedLite Bronze Hospital Plus $750/$1500 Excess & Ambulance CareBronze Plus$750$132.74$100.73$95.39$90.05Go to HBF
74ahm health insurancebronze no fussBronze$750$132.80$100.77$95.43$90.09Go to ahm
75Bupa HI Pty LtdBronze Hospital $750 ExcessBronze$750$132.90$100.85$95.50$90.16Go to Bupa
76Defence Health Limited
restricted membership
Essentials Hospital Basic Plus 250Basic Plus$250$132.97$100.90$95.55$90.21Go to Defence
77Defence Health Limited
restricted membership
Saver Hospital Bronze PlusBronze Plus$750$133.00$100.92$95.58$90.23Go to Defence
78GMHBA LimitedFrank Bronze HospitalBronze$750$133.15$101.04$95.68$90.33Go to GMHBA
79Queensland Country Health FundCore Hospital (Basic+) $750 excessBasic Plus$750$133.19$101.07$95.71$90.36Go to Queensland
80Latrobe Health ServicesBasic Plus Top Hospital $750Basic Plus$750$134.07$101.73$96.34$90.96Go to Latrobe
81Medibank Private LimitedMedibank Bronze Plus ValueBronze Plus$750$134.10$101.76$96.37$90.98Go to Medibank
82Phoenix Health Fund LimitedBronze Hospital 750Bronze$750$134.79$102.28$96.86$91.44Go to Phoenix
83Latrobe Health ServicesBronze Hospital 750 ExcessBronze$750$134.85$102.33$96.90$91.48Go to Latrobe
84HCFHCF HOSPITAL BRONZE $750 EXCESSBronze$750$134.98$102.43$97.00$91.57Go to HCF
85Medibank Private LimitedMedibank Basic Plus SelectBasic Plus$250$136.20$103.35$97.87$92.40Go to Medibank
86Phoenix Health Fund LimitedBronze Plus Essentials Hospital 750Bronze Plus$750$136.41$103.51$98.03$92.54Go to Phoenix
87nib Health Funds Ltd.Qantas Basic Hospital $500 ExcessBasic Plus$500$136.55$103.62$98.13$92.64Go to nib
88nib Health Funds Ltd.Real Basic Plus Hospital $500 ExcessBasic Plus$500$136.68$103.72$98.22$92.73Go to nib
89nib Health Funds Ltd.AAMI Basic Hospital Plus $500 ExcessBasic Plus$500$136.77$103.78$98.28$92.79Go to nib
90nib Health Funds Ltd.Suncorp Health Insurance Basic Hospital Plus $500 ExcessBasic Plus$500$136.91$103.89$98.38$92.88Go to nib
91nib Health Funds Ltd.Basic Essential Hospital Plus $500 ExcessBasic Plus$500$136.95$103.92$98.41$92.91Go to nib
92nib Health Funds Ltd.ING Basic Plus Hospital $500 ExcessBasic Plus$500$136.95$103.92$98.41$92.91Go to nib
93Health PartnersBasic Hospital Plus $750 ExcessBasic Plus$750$137.32$104.20$98.68$93.16Go to Health
94Teachers Health
restricted membership
Basic Hospital (Basic Plus)Basic Plus$300$137.76$104.54$99.00$93.46Go to Teachers
95Teachers Health
restricted membership
Basic Hospital (Basic Plus)Basic Plus$300$137.76$104.54$99.00$93.46Go to Teachers
96Teachers Health
restricted membership
Basic Hospital (Basic Plus)Basic Plus$300$137.76$104.54$99.00$93.46Go to Teachers
97Queensland Country Health FundBudget Hospital (Basic+) $750 excessBasic Plus$750$137.82$104.58$99.04$93.50Go to Queensland
98Bupa HI Pty LtdBronze Plus Simple Hospital $750 ExcessBronze Plus$750$137.85$104.60$99.06$93.52Go to Bupa
99ahm health insurancebronze plus everydayBronze Plus$750$138.00$104.72$99.17$93.62Go to ahm
100Bupa HI Pty LtdBronze Plus Select Hospital $750 ExcessBronze Plus$750$138.25$104.91$99.35$93.79Go to Bupa
101Defence Health Limited
restricted membership
Defence Hospital Bronze PlusBronze Plus$750$138.63$105.20$99.62$94.05Go to Defence
102ACA Health Benefits Fund
restricted membership
Bronze Essentials Hospital 750 VICBronze$750$138.74$105.28$99.70$94.12Go to ACA
103CBHS Health Fund Limited
restricted membership
Value Bronze Plus Hospital $750 ExcessBronze Plus$750$139.14$105.58$99.99$94.40Go to CBHS
104Australian Unity Health LimitedCore Hospital (Bronze Plus)Bronze Plus$750$139.85$106.12$100.50$94.88Go to Australian
105Phoenix Health Fund LimitedBronze Hospital 500Bronze$500$140.73$106.79$101.13$95.47Go to Phoenix
106Westfund LimitedBronze 750 HospitalBronze$750$140.83$106.86$101.20$95.54Go to Westfund
107Latrobe Health ServicesBronze Plus Hospital 750 ExcessBronze Plus$750$141.53$107.40$101.70$96.02Go to Latrobe
108Queensland Country Health FundCore Hospital (Basic+) $500 excessBasic Plus$500$141.83$107.62$101.92$96.22Go to Queensland
109see-u by HBFSmart Hospital $750 Excess (Bronze Plus)Bronze Plus$750$141.92$107.69$101.99$96.28Go to see-u
110Health PartnersBasic Hospital Plus $500 ExcessBasic Plus$500$142.31$107.99$102.27$96.55Go to Health
111Latrobe Health ServicesBronze Hospital 500 ExcessBronze$500$142.57$108.18$102.45$96.72Go to Latrobe
112GMHBA LimitedFrank Bronze Plus HospitalBronze Plus$750$143.00$108.51$102.76$97.01Go to GMHBA
113HBF Health LimitedBasic Hospital Plus Elevate $500/$1000 ExcessBasic Plus$500$143.26$108.71$102.95$97.19Go to HBF
114nib Health Funds Ltd.Bronze Hospital $750 ExcessBronze$750$143.99$109.26$103.47$97.69Go to nib
115Defence Health Limited
restricted membership
Saver Hospital Bronze PlusBronze Plus$500$144.00$109.27$103.48$97.69Go to Defence
116nib Health Funds Ltd.Bronze Protect Hospital Plus $750 ExcessBronze Plus$750$144.40$109.57$103.77$97.96Go to nib
117Peoplecare Health InsuranceBronze Plus Hospital $750Bronze Plus$750$144.57$109.70$103.89$98.08Go to Peoplecare
118Defence Health Limited
restricted membership
Everyday Hospital Bronze Plus 750Bronze Plus$750$144.62$109.74$103.93$98.11Go to Defence
119HBF Health LimitedBasic Hospital Plus Elevate $500/$1000 Excess & Ambulance CareBasic Plus$500$145.43$110.36$104.51$98.66Go to HBF
120HBF Health LimitedLite Bronze Hospital Plus $500/$1000 ExcessBronze Plus$500$145.57$110.46$104.61$98.76Go to HBF
121HCFHCF HOSPITAL BRONZE PLUS $750 EXCESSBronze Plus$750$145.71$110.57$104.71$98.85Go to HCF
122ahm health insurancebronze no fussBronze$500$146.05$110.83$104.95$99.08Go to ahm
123HBF Health LimitedBronze Hospital Plus $750/$1500 ExcessBronze Plus$750$146.43$111.11$105.23$99.34Go to HBF
124Bupa HI Pty LtdBronze Hospital $500 ExcessBronze$500$146.90$111.47$105.56$99.66Go to Bupa
125HBF Health LimitedLite Bronze Hospital Plus $500/$1000 Excess & Ambulance CareBronze Plus$500$147.74$112.11$106.17$100.23Go to HBF
126Defence Health Limited
restricted membership
Public Hospital Basic PlusBasic Plus—$147.75$112.12$106.17$100.24Go to Defence
127HCFHCF HOSPITAL BRONZE $500 EXCESSBronze$500$148.00$112.31$106.35$100.41Go to HCF
128TUH, part of the Teachers Health Group
restricted membership
Union Health Bronze+ Hospital $750 excessBronze Plus$750$148.02$112.32$106.37$100.42Go to TUH,
129TUH, part of the Teachers Health Group
restricted membership
Bronze+ Hospital $750 excessBronze Plus$750$148.02$112.32$106.37$100.42Go to TUH,
130HBF Health LimitedBronze Hospital Plus $750/$1500 Excess & Ambulance CareBronze Plus$750$148.60$112.76$106.79$100.81Go to HBF
131Defence Health Limited
restricted membership
Advanced Hospital Bronze PlusBronze Plus$750$148.96$113.03$107.04$101.06Go to Defence
132Bupa HI Pty LtdBupa Employee Bronze Plus HospitalBronze Plus—$149.00$113.06$107.07$101.08Go to Bupa
133HCiBronze Plus Hospital $750 excessBronze Plus$750$149.12$113.16$107.16$101.17Go to HCi
134Phoenix Health Fund LimitedBronze Plus Essentials Hospital 500Bronze Plus$500$149.12$113.16$107.16$101.17Go to Phoenix
135Medibank Private LimitedMedibank Bronze Plus AdvancedBronze Plus$750$149.15$113.18$107.18$101.19Go to Medibank
136ACA Health Benefits Fund
restricted membership
Bronze Essentials Hospital 500 VICBronze$500$149.46$113.41$107.40$101.40Go to ACA
137Health Insurance Fund of Australia LimitedBronze Hospital $750/$1500Bronze$750$149.90$113.75$107.72$101.70Go to Health
138Westfund LimitedBronze 500 HospitalBronze$500$150.02$113.84$107.81$101.78Go to Westfund
139Defence Health Limited
restricted membership
Defence Hospital Bronze PlusBronze Plus$500$150.66$114.32$108.27$102.21Go to Defence
140AIA Health Insurance Pty LtdBronze Hospital 750Bronze$750$150.66$114.32$108.27$102.21Go to AIA
141RT Health - a division of The Hospitals Contribution FundBronze Plus Essential Hospital $700 ExcessBronze Plus$700$150.66$114.32$108.27$102.21Go to RT
142nib Health Funds Ltd.AAMI Bronze Hospital $750 ExcessBronze Plus$750$150.85$114.47$108.40$102.34Go to nib
143GMHBA LimitedGMHBA Bronze Plus Core HospitalBronze Plus$750$150.88$114.49$108.42$102.36Go to GMHBA
144nib Health Funds Ltd.Apia Bronze Hospital Plus $750 ExcessBronze Plus$750$151.58$115.02$108.93$102.83Go to nib
145nib Health Funds Ltd.Qantas Bronze Hospital Plus $750 ExcessBronze Plus$750$151.58$115.02$108.93$102.83Go to nib
146CBHS Health Fund Limited
restricted membership
Value Bronze Plus Hospital $500 ExcessBronze Plus$500$151.62$115.05$108.96$102.86Go to CBHS
147ahm health insurancebronze plus everydayBronze Plus$500$151.80$115.19$109.08$102.98Go to ahm
148nib Health Funds Ltd.Real Bronze Plus Hospital $750 ExcessBronze Plus$750$151.80$115.19$109.08$102.98Go to nib
149nib Health Funds Ltd.Bronze Hospital $500 ExcessBronze$500$151.98$115.33$109.21$103.11Go to nib
150Health Insurance Fund of Australia LimitedBronze Plus Hospital $750/$1500Bronze Plus$750$152.15$115.45$109.34$103.22Go to Health
151nib Health Funds Ltd.Seniors Bronze Plus Hospital $750 ExcessBronze Plus$750$152.34$115.60$109.47$103.35Go to nib
152nib Health Funds Ltd.ING Bronze Plus Hospital $750 ExcessBronze Plus$750$152.39$115.64$109.51$103.38Go to nib
153nib Health Funds Ltd.Suncorp Health Insurance Bronze Hospital $750 ExcessBronze Plus$750$152.39$115.64$109.51$103.38Go to nib
154GMHBA LimitedGMHBA Bronze Plus Advantage Hospital $750Bronze Plus$750$152.40$115.64$109.52$103.39Go to GMHBA
155Westfund LimitedBronze Plus 750 HospitalBronze Plus$750$152.40$115.64$109.52$103.39Go to Westfund
156nib Health Funds Ltd.Bronze Hospital Plus $750 ExcessBronze Plus$750$152.66$115.84$109.70$103.57Go to nib
157Medibank Private LimitedMedibank Bronze Plus ValueBronze Plus$500$152.75$115.91$109.77$103.63Go to Medibank
158Defence Health Limited
restricted membership
Everyday Hospital Bronze Plus 500Bronze Plus$500$152.80$115.95$109.80$103.66Go to Defence
159Queensland Country Health FundVital Hospital (Bronze+) $750 excessBronze Plus$750$152.86$115.99$109.85$103.70Go to Queensland
160Latrobe Health ServicesBronze Plus Hospital 500 ExcessBronze Plus$500$153.33$116.35$110.18$104.02Go to Latrobe
161CDH Benefits FundBASIC Hospital Cover (Single)Basic Plus—$153.90$116.78$110.59$104.41Go to CDH
162Peoplecare Health InsuranceBronze Plus Hospital $500Bronze Plus$500$154.38$117.15$110.94$104.73Go to Peoplecare
163Latrobe Health ServicesPartner Basic PlusBasic Plus$750$154.54$117.27$111.05$104.84Go to Latrobe
164GU HealthAdvance Hospital - Silver $750 Excess (Single)Silver$750$154.58$117.30$111.08$104.87Go to GU
165Medibank Private LimitedMedibank Bronze Plus SupportBronze Plus$750$154.95$117.58$111.35$105.12Go to Medibank
166CDH Benefits FundBronze Hospital Excess 2 $500 (Single)Bronze Plus$500 /policy$155.03$117.64$111.41$105.18Go to CDH
167Australian Unity Health LimitedCore Hospital (Bronze Plus)Bronze Plus$500$155.35$117.88$111.64$105.39Go to Australian
168Bupa HI Pty LtdBronze Plus Simple Hospital $500 ExcessBronze Plus$500$156.00$118.38$112.10$105.83Go to Bupa
169Bupa HI Pty LtdBronze Plus Select Hospital $500 ExcessBronze Plus$500$156.35$118.64$112.35$106.07Go to Bupa
170GMHBA LimitedFrank Bronze Plus Max HospitalBronze Plus$750$157.40$119.44$113.11$106.78Go to GMHBA
171nib Health Funds Ltd.Basic Essential Hospital Plus $250 ExcessBasic Plus$250$157.72$119.68$113.34$107.00Go to nib
172Health Insurance Fund of Australia LimitedBronze Hospital $500/$1000Bronze$500$157.75$119.70$113.36$107.02Go to Health
173Bupa HI Pty LtdBronze Plus Advantage Hospital $750 ExcessBronze Plus$750$158.50$120.27$113.90$107.53Go to Bupa
174AIA Health Insurance Pty LtdBronze Hospital 500Bronze$500$158.55$120.31$113.94$107.56Go to AIA
175Health Insurance Fund of Australia LimitedBronze Plus Hospital $500/$1000Bronze Plus$500$159.25$120.84$114.44$108.04Go to Health
176TUH, part of the Teachers Health Group
restricted membership
Union Health Bronze+ Hospital $500 excessBronze Plus$500$159.28$120.86$114.46$108.06Go to TUH,
177TUH, part of the Teachers Health Group
restricted membership
Bronze+ Hospital $500 excessBronze Plus$500$159.28$120.86$114.46$108.06Go to TUH,
178AIA Health Insurance Pty LtdBronze Plus Essential Hospital 750Bronze Plus$750$159.42$120.97$114.56$108.15Go to AIA
179GU HealthSuperior Hospital - Silver Plus $750 Excess (Single)Silver Plus$750$159.58$121.09$114.68$108.26Go to GU
180HCFHCF HOSPITAL BRONZE PLUS $500 EXCESSBronze Plus$500$159.85$121.30$114.87$108.45Go to HCF
181nib Health Funds Ltd.Bronze Protect Hospital Plus $500 ExcessBronze Plus$500$161.19$122.31$115.83$109.35Go to nib
182Defence Health Limited
restricted membership
Advanced Hospital Bronze PlusBronze Plus$500$161.28$122.38$115.90$109.42Go to Defence
183ahm health insurancebronze plus loadedBronze Plus$750$161.55$122.59$116.09$109.60Go to ahm
184GU HealthAdvance Hospital - Silver Plus $750 Excess (Single)Silver Plus$750$163.33$123.94$117.37$110.81Go to GU
185Navy Health Ltd
restricted membership
Saver Bronze+ HospitalBronze Plus$500$163.41$124.00$117.43$110.86Go to Navy
186Doctors' Health Fund
restricted membership
Smart Starter Bronze Plus $750 ExcessBronze Plus$750$163.58$124.13$117.55$110.98Go to Doctors'
187HBF Health LimitedBronze Hospital Plus $500/$1000 ExcessBronze Plus$500$163.99$124.44$117.84$111.25Go to HBF
188St LukesBronze Plus Hospital 750Bronze Plus$750$164.60$124.90$118.28$111.67Go to St
189GU HealthSuperior Hospital - Silver Plus $500 Excess (Single)Silver Plus$500$165.00$125.21$118.57$111.94Go to GU
190RT Health - a division of The Hospitals Contribution FundBronze Plus Essential Hospital $350 ExcessBronze Plus$350$165.55$125.62$118.97$112.31Go to RT
191Health PartnersBronze Hospital Plus $750 ExcessBronze Plus$750$165.62$125.68$119.02$112.36Go to Health
192Westfund LimitedBronze Plus 500 HospitalBronze Plus$500$165.97$125.94$119.27$112.60Go to Westfund
193HBF Health LimitedBronze Hospital Plus $500/$1000 Excess & Ambulance CareBronze Plus$500$166.16$126.09$119.40$112.73Go to HBF
194GU HealthMy Choice Silver Plus Hospital Saver $750 Excess (Single)Silver Plus$750 /policy$167.92$127.42$120.67$113.92Go to GU
195nib Health Funds Ltd.AAMI Bronze Hospital $500 ExcessBronze Plus$500$168.32$127.72$120.96$114.19Go to nib
196see-u by HBFSecure Hospital $750 Excess (Silver)Silver$750$168.45$127.82$121.05$114.28Go to see-u
197nib Health Funds Ltd.Suncorp Health Insurance Bronze Hospital $500 ExcessBronze Plus$500$168.50$127.86$121.09$114.31Go to nib
198nib Health Funds Ltd.Bronze Hospital Plus $500 ExcessBronze Plus$500$168.55$127.90$121.12$114.35Go to nib
199Medibank Private LimitedMedibank Bronze Plus AdvancedBronze Plus$500$168.60$127.94$121.16$114.38Go to Medibank
200nib Health Funds Ltd.ING Bronze Plus Hospital $500 ExcessBronze Plus$500$168.68$128.00$121.22$114.44Go to nib
201nib Health Funds Ltd.Seniors Bronze Plus Hospital $500 ExcessBronze Plus$500$168.73$128.04$121.25$114.47Go to nib
202nib Health Funds Ltd.Real Bronze Plus Hospital $500 ExcessBronze Plus$500$168.82$128.10$121.32$114.53Go to nib
203HBF Health LimitedEssential Silver Hospital $750/$1500 ExcessSilver Plus$750$169.07$128.29$121.50$114.70Go to HBF
204nib Health Funds Ltd.Apia Bronze Hospital Plus $500 ExcessBronze Plus$500$169.09$128.31$121.51$114.71Go to nib
205nib Health Funds Ltd.Qantas Bronze Hospital Plus $500 ExcessBronze Plus$500$169.09$128.31$121.51$114.71Go to nib
206Queensland Country Health FundVital Hospital (Bronze+) $500 excessBronze Plus$500$169.41$128.55$121.74$114.93Go to Queensland
207Health Insurance Fund of Australia LimitedBronze Hospital $200/$400Bronze$200$169.65$128.73$121.91$115.09Go to Health
208Teachers Health
restricted membership
Mid Hospital 500 (Basic Plus)Basic Plus$500$169.93$128.95$122.11$115.28Go to Teachers
209Teachers Health
restricted membership
Mid Hospital 500 (Basic Plus)Basic Plus$500$169.93$128.95$122.11$115.28Go to Teachers
210Teachers Health
restricted membership
Mid Hospital 500 (Basic Plus)Basic Plus$500$169.93$128.95$122.11$115.28Go to Teachers
211Latrobe Health ServicesBronze Plus Hospital 250 ExcessBronze Plus$250$170.32$129.24$122.39$115.55Go to Latrobe
212TUH, part of the Teachers Health Group
restricted membership
Union Health Silver+ Hospital Essentials $750 ExcessSilver Plus$750$170.38$129.29$122.44$115.59Go to TUH,
213TUH, part of the Teachers Health Group
restricted membership
Silver+ Hospital Essentials $750 ExcessSilver Plus$750$170.38$129.29$122.44$115.59Go to TUH,
214GU HealthAdvance Hospital - Silver $500 Excess (Single)Silver$500$170.42$129.32$122.47$115.62Go to GU
215HBF Health LimitedEssential Silver Hospital $750/$1500 Excess & Ambulance CareSilver Plus$750$171.24$129.94$123.05$116.17Go to HBF
216AIA Health Insurance Pty LtdBronze Plus Essential Hospital 500Bronze Plus$500$171.98$130.50$123.59$116.67Go to AIA
217Medibank Private LimitedMedibank Silver Plus CoreSilver Plus$750$172.90$131.20$124.25$117.30Go to Medibank
218ahm health insuranceessentials silver plusSilver Plus$750$173.15$131.39$124.43$117.47Go to ahm
219ahm health insurancebronze plus supportBronze Plus$750$173.15$131.39$124.43$117.47Go to ahm
220Bupa HI Pty LtdSilver Plus Classic Hospital $750 ExcessSilver Plus$750$173.50$131.66$124.68$117.71Go to Bupa
221Australian Unity Health LimitedStandard Hospital (Bronze Plus)Bronze Plus$750$174.20$132.19$125.18$118.18Go to Australian
222Doctors' Health Fund
restricted membership
Smart Starter Bronze Plus $500 ExcessBronze Plus$500$174.32$132.28$125.27$118.26Go to Doctors'
223Health PartnersBronze Hospital Plus $500 ExcessBronze Plus$500$174.81$132.65$125.62$118.59Go to Health
224Health Insurance Fund of Australia LimitedBronze Plus Hospital $200/$400Bronze Plus$200$176.00$133.55$126.48$119.40Go to Health
225Latrobe Health ServicesEssential Silver Plus Hospital 750 ExcessSilver Plus$750$176.13$133.65$126.57$119.49Go to Latrobe
226GU HealthAdvance Hospital - Silver Plus $500 Excess (Single)Silver Plus$500$176.25$133.74$126.66$119.57Go to GU
227GU HealthAdvance Silver Hospital $750 Excess (Single)Silver$750$176.25$133.74$126.66$119.57Go to GU
228CBHS Health Fund Limited
restricted membership
Everyday Silver Plus Hospital $750 ExcessSilver Plus$750$176.37$133.83$126.74$119.65Go to CBHS
229Queensland Country Health FundSignature Hospital (Silver+) $750 excessSilver Plus$750$177.20$134.46$127.34$120.22Go to Queensland
230Medibank Private LimitedMedibank Bronze Plus SupportBronze Plus$500$177.25$134.50$127.37$120.25Go to Medibank
231St LukesBronze Plus Hospital 500Bronze Plus$500$177.50$134.69$127.55$120.42Go to St
232ahm health insurancebronze plus loadedBronze Plus$500$177.70$134.84$127.70$120.56Go to ahm
233Bupa HI Pty LtdBronze Plus Advantage Hospital $500 ExcessBronze Plus$500$178.50$135.45$128.27$121.10Go to Bupa
234Bupa HI Pty LtdSilver Plus Essential Hospital $750 ExcessSilver Plus$750$178.60$135.53$128.34$121.17Go to Bupa
235HCFHCF HOSPITAL STANDARD SILVER PLUSSilver Plus$750$179.29$136.05$128.84$121.63Go to HCF
236GMHBA LimitedFrank Silver HospitalSilver$750$179.35$136.09$128.88$121.67Go to GMHBA
237Phoenix Health Fund LimitedSilver Plus Support Hospital 750Silver Plus$750$179.48$136.19$128.98$121.76Go to Phoenix
238Medibank Private LimitedMedibank Bronze Plus ValueBronze Plus$250$179.80$136.44$129.21$121.98Go to Medibank
239GMHBA LimitedGMHBA Silver Plus Hospital $750Silver Plus$750$180.30$136.82$129.57$122.32Go to GMHBA
240GU HealthSilver Plus - My Choice Hospital Saver $200 Excess (Single)Silver Plus$200 /policy$181.67$137.85$130.55$123.25Go to GU
241St LukesAstute Bronze Plus Hospital 500Bronze Plus$500$181.70$137.88$130.57$123.27Go to St
242Defence Health Limited
restricted membership
Defence Hospital Silver PlusSilver Plus$750$181.78$137.94$130.63$123.32Go to Defence
243Bupa HI Pty LtdBronze Plus Simple Hospital $250 ExcessBronze Plus$250$181.85$137.99$130.68$123.37Go to Bupa
244ahm health insurancebronze plus supportBronze Plus$500$182.20$138.26$130.93$123.61Go to ahm
245HBF Health LimitedBronze Hospital Plus $250/$500 ExcessBronze Plus$250$182.54$138.52$131.18$123.84Go to HBF
246Westfund LimitedSilver Plus Everyday 750 HospitalSilver Plus$750$183.21$139.02$131.66$124.29Go to Westfund
247GU HealthMy Choice Hospital Saver - Silver Plus $500 Excess (Single)Silver Plus$500 /policy$183.33$139.11$131.74$124.37Go to GU
248GU HealthSilver Plus Superior Hospital $250 Excess (Single)Silver Plus$250$183.33$139.11$131.74$124.37Go to GU
249Australian Unity Health LimitedStandard Hospital (Bronze Plus)Bronze Plus$500$184.60$140.08$132.66$125.24Go to Australian
250HBF Health LimitedBronze Hospital Plus $250/$500 Excess & Ambulance CareBronze Plus$250$184.71$140.16$132.73$125.31Go to HBF
251Defence Health Limited
restricted membership
Core Hospital Silver Plus 750Silver Plus$750$185.39$140.68$133.22$125.77Go to Defence
252GU HealthAdvance Hospital - Silver $250 Excess (Single)Silver$250$185.83$141.01$133.54$126.07Go to GU
253Phoenix Health Fund LimitedSilver Plus Support Hospital 500Silver Plus$500$186.87$141.80$134.29$126.78Go to Phoenix
254HCFHCF HOSPITAL BRONZE PLUS $250 EXCESSBronze Plus$250$187.28$142.11$134.58$127.05Go to HCF
255Health Insurance Fund of Australia LimitedSilver Hospital $750/$1500Silver Plus$750$187.90$142.58$135.03$127.48Go to Health
256Teachers Health
restricted membership
Mid Hospital 300 (Basic Plus)Basic Plus$300$188.00$142.66$135.10$127.54Go to Teachers
257Teachers Health
restricted membership
Mid Hospital 300 (Basic Plus)Basic Plus$300$188.00$142.66$135.10$127.54Go to Teachers
258Teachers Health
restricted membership
Mid Hospital 300 (Basic Plus)Basic Plus$300$188.00$142.66$135.10$127.54Go to Teachers
259nib Health Funds Ltd.Silver Secure Hospital Plus $750 ExcessSilver Plus$750$188.73$143.21$135.62$128.04Go to nib
260GU HealthMy Choice Silver Plus Hospital Saver $500 Excess (Single)Silver Plus$500 /policy$188.75$143.23$135.64$128.05Go to GU
261RT Health - a division of The Hospitals Contribution FundSilver Plus Standard Hospital $750 ExcessSilver Plus$750$188.92$143.36$135.76$128.17Go to RT
262GU HealthMy Choice Hospital Saver - Silver Plus $250 Excess (Single)Silver Plus$250 /policy$189.17$143.55$135.94$128.34Go to GU
263Queensland Country Health FundVital Hospital (Bronze+) $250 excessBronze Plus$250$189.50$143.80$136.18$128.56Go to Queensland
264GU HealthMy Choice Hospital Saver - Silver Plus $125 Excess (Single)Silver Plus$125 /policy$189.58$143.86$136.23$128.61Go to GU
265GU HealthSuperior Silver Plus Hospital $750 Excess (Single)Silver Plus$750$190.00$144.18$136.54$128.90Go to GU
266Latrobe Health ServicesEssential Silver Plus Hospital 500 ExcessSilver Plus$500$190.30$144.40$136.75$129.10Go to Latrobe
267nib Health Funds Ltd.Silver Executive Hospital PlusSilver Plus$750$190.45$144.52$136.86$129.21Go to nib
268Australian Unity Health LimitedMidpoint Hospital (Silver Plus)Silver Plus$750$191.10$145.01$137.33$129.65Go to Australian
269CDH Benefits FundSilver+ Saver Hospital Cover (Excess2) (Single)Silver Plus$500 /policy$191.10$145.01$137.33$129.65Go to CDH
270GU HealthGold Superior Hospital $500 Excess (Single)Gold$500$191.67$145.44$137.74$130.03Go to GU
271CBHS Health Fund Limited
restricted membership
Everyday Silver Plus Hospital $500 ExcessSilver Plus$500$191.88$145.60$137.89$130.18Go to CBHS
272GU HealthAdvance Silver Hospital $500 Excess (Single)Silver$500$192.08$145.75$138.03$130.31Go to GU
273HBF Health LimitedEssential Silver Hospital $500/$1000 ExcessSilver Plus$500$192.41$146.00$138.27$130.53Go to HBF
274ahm health insuranceessentials silver plusSilver Plus$500$192.55$146.11$138.37$130.63Go to ahm
275Defence Health Limited
restricted membership
Defence Hospital Silver PlusSilver Plus$500$192.63$146.17$138.43$130.68Go to Defence
276Teachers Health
restricted membership
Mid Classic 500 (Silver Plus)Silver Plus$500$193.38$146.74$138.96$131.19Go to Teachers
277Teachers Health
restricted membership
Mid Classic 500 (Silver Plus)Silver Plus$500$193.38$146.74$138.96$131.19Go to Teachers
278Teachers Health
restricted membership
Mid Classic 500 (Silver Plus)Silver Plus$500$193.38$146.74$138.96$131.19Go to Teachers
279HBF Health LimitedSilver Hospital $750/$1500 ExcessSilver Plus$750$193.84$147.09$139.30$131.50Go to HBF
280Peoplecare Health InsuranceSilver Plus Essentials Hospital $750Silver Plus$750$193.93$147.16$139.36$131.57Go to Peoplecare
281GU HealthSuperior Hospital - Silver Plus $250 Excess (Single)Silver Plus$250$194.17$147.34$139.53$131.73Go to GU
282Medibank Private LimitedMedibank Silver Plus CoreSilver Plus$500$194.45$147.55$139.73$131.92Go to Medibank
283HBF Health LimitedEssential Silver Hospital $500/$1000 Excess & Ambulance CareSilver Plus$500$194.58$147.65$139.83$132.01Go to HBF
284Medibank Private LimitedEssentials Silver Plus HospitalSilver Plus$500$194.95$147.93$140.09$132.26Go to Medibank
285AIA Health Insurance Pty LtdSilver Hospital 750Silver$750$195.01$147.98$140.14$132.30Go to AIA
286nib Health Funds Ltd.Silver HospitalSilver$750$195.27$148.17$140.32$132.48Go to nib
287Westfund LimitedAthlete Silver HospitalSilver Plus$250$195.30$148.20$140.34$132.50Go to Westfund
288GMHBA LimitedGMHBA Silver Plus Hospital $500Silver Plus$500$195.45$148.31$140.45$132.60Go to GMHBA
289Medibank Private LimitedMedibank Silver Plus SupportSilver Plus$750$195.50$148.35$140.49$132.63Go to Medibank
290HCFHCF HOSPITAL STANDARD SILVER PLUSSilver Plus$500$195.73$148.52$140.65$132.79Go to HCF
291GU HealthSuperior Hospital - Gold $750 Excess (Single)Gold$750$195.83$148.60$140.73$132.85Go to GU
292GU HealthElevate Hospital - Silver $750 Excess (Single)Silver$750$195.83$148.60$140.73$132.85Go to GU
293Bupa HI Pty LtdSilver Plus Classic Hospital $500 ExcessSilver Plus$500$196.00$148.73$140.85$132.97Go to Bupa
294HBF Health LimitedSilver Hospital $750/$1500 Excess & Ambulance CareSilver Plus$750$196.01$148.74$140.85$132.98Go to HBF
295nib Health Funds Ltd.Qantas Silver Plus Standard $750 ExcessSilver Plus$750$196.22$148.90$141.01$133.12Go to nib
296GU HealthAdvance Hospital - Gold $750 Excess (Single)Gold$750$197.08$149.55$141.62$133.70Go to GU
297Medibank Private LimitedMedibank Bronze Plus AdvancedBronze Plus$250$197.80$150.09$142.14$134.19Go to Medibank
298GU HealthSuperior Hospital - Silver Plus (Single)Silver Plus—$198.33$150.50$142.52$134.55Go to GU
299nib Health Funds Ltd.Seniors Silver Hospital $750 ExcessSilver$750$198.61$150.71$142.72$134.74Go to nib
300nib Health Funds Ltd.ING Silver Hospital $750 ExcessSilver$750$198.61$150.71$142.72$134.74Go to nib
301nib Health Funds Ltd.Apia Silver Hospital $750 ExcessSilver$750$198.61$150.71$142.72$134.74Go to nib
302Defence Health Limited
restricted membership
Core Hospital Silver Plus 500Silver Plus$500$198.64$150.73$142.74$134.76Go to Defence
303nib Health Funds Ltd.Real Silver Hospital $750 ExcessSilver$750$198.79$150.85$142.85$134.86Go to nib
304AIA Health Insurance Pty LtdSilver Plus Hospital 750Silver Plus$750$198.98$150.99$142.99$134.99Go to AIA
305nib Health Funds Ltd.AAMI Silver Everyday Hospital Plus $750 ExcessSilver Plus$750$199.02$151.02$143.02$135.02Go to nib
306GU HealthAdvance Silver Plus Hospital $750 Excess (Single)Silver Plus$750$199.17$151.13$143.13$135.12Go to GU
307GU HealthGold Complete Hospital $500 Excess (Single)Gold$500 /policy$199.17$151.13$143.13$135.12Go to GU
308GU HealthGold Complete Hospital NKE $500 Excess (Single)Gold$500 /policy$199.17$151.13$143.13$135.12Go to GU
309St LukesAstute Silver Plus Hospital 750Silver Plus$750$199.20$151.16$143.15$135.14Go to St
310nib Health Funds Ltd.Suncorp Health Insurance Silver Everyday Hospital Plus $750 ExcessSilver Plus$750$199.92$151.70$143.66$135.63Go to nib

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 insurance
Lifetime 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 Cover

Questions

Answered from the release dated 2026-10-01.

What is the highest tier available under $200 a month in Victoria for a single?
Gold: GU Health's Gold Superior Hospital $500 Excess (Single) at $191.67 a month, 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.
Is the premium what I would pay?
No. $102.10 a month is the figure ahm health insurance published to the regulator for a single in Victoria 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?
ahm health insurance's ambulance hospital (basic) at $102.10 a month published comes to under 65 about $77.48 a month, 65 to 69 about $73.37 a month, 70 and over about $69.27 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 single in Victoria, the same question for other households, and the guides behind the settings.

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

Open pricing means Australians can be better informed, and save more.

Most comparison sites show the insurers that pay them. OpenStream lists every open private health insurance policy from every registered insurer, 79,604 open policies from 34 registered health insurers, at the premium each publishes to the Private Health Insurance Ombudsman, released monthly. Nothing is promoted; car, travel, life and pet are named from APRA's registers and never priced.

  • 34
    registered health insurers
  • 79,604
    open policies
  • 0
    promoted rows
  • 100%
    of prices cite their source