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 · New South Wales · Family · release 2026-10-01 · ranked 2026-11-09

Hospital cover under $300 a month in New South Wales for a family

In New South Wales, 161 open hospital policies for a family are published under $300 a month before the government rebate, from 26 insurers on 5 tiers (Silver Plus, Bronze Plus, Bronze, Basic Plus, Basic); the cheapest is ahm health insurance's ambulance hospital (basic) at $205.20 a month before the government rebate, or about $155.71 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 10 cheapest of 161 under $300

Every open hospital policy for a family in New South Wales with a published monthly premium under $300, 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.

161 policies from 26 insurers answer this question in the release dated 2026-10-01; median $266.38 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.

All 161, 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.

161 of 161 policies that answer "Is there hospital cover under $300 a month in New South Wales for a family?" 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 $210,000, 1 July 2026 to 31 March 2027).
#InsurerPolicyTierExcessPremium / moUnder 6565 to 6970 and over
1ahm health insuranceambulance hospital (basic)Basic$750$205.20$155.71$147.46$139.21Go to ahm
2see-u by HBFStarter Hospital $750 Excess with Daily Co-Pay (Basic)Basic$750$206.78$156.91$148.59$140.28Go to see-u
3GMHBA LimitedFrank Basic Accident Boost HospitalBasic$750$208.10$157.91$149.54$141.18Go to GMHBA
4HCFHCF Reciprocal Health Cover BasicBasic$750$210.10$159.43$150.98$142.54Go to HCF
5HBF Health LimitedBasic Hospital Accident Only $750/$1500 ExcessBasic$750$210.74$159.91$151.44$142.97Go to HBF
6Phoenix Health Fund LimitedBasic Accident Only HospitalBasic$750$211.20$160.26$151.77$143.28Go to Phoenix
7see-u by HBFStarter Hospital $750 Excess (Basic)Basic$750$215.64$163.63$154.96$146.29Go to see-u
8ahm health insuranceambulance & accident hospital (basic)Basic$750$217.50$165.04$156.30$147.56Go to ahm
9Bupa HI Pty LtdBasic Accident Only Hospital $750 ExcessBasic$750$219.30$166.41$157.59$148.78Go to Bupa
10Defence Health Limited
restricted membership
Starter Hospital Basic PlusBasic Plus$750$220.00$166.94$158.09$149.25Go to Defence
11TUH, part of the Teachers Health Group
restricted membership
Union Health Basic+ Hospital $750 excessBasic Plus$750$222.50$168.84$159.89$150.95Go to TUH,
12TUH, part of the Teachers Health Group
restricted membership
Basic+ Hospital $750 excessBasic Plus$750$222.50$168.84$159.89$150.95Go to TUH,
13HCFHCF ACCIDENT ONLY BASICBasic$750$223.14$169.32$160.35$151.38Go to HCF
14GMHBA LimitedFrank Basic Plus HospitalBasic Plus$750$223.20$169.37$160.39$151.42Go to GMHBA
15GMHBA LimitedGMHBA Accident Only Hospital (Basic)Basic$750$224.90$170.66$161.62$152.58Go to GMHBA
16Defence Health Limited
restricted membership
Defence Hospital Basic PlusBasic Plus$750$225.54$171.14$162.08$153.01Go to Defence
17HCFHCF Hospital Basic Plus $750 ExcessBasic Plus$750$226.46$171.84$162.74$153.63Go to HCF
18RT Health - a division of The Hospitals Contribution FundBasic Plus Starter Hospital $750 ExcessBasic Plus$750$226.46$171.84$162.74$153.63Go to RT
19Bupa HI Pty LtdReciprocal Health Cover - BasicBasic$500$228.70$173.54$164.35$155.15Go to Bupa
20ahm health insuranceambulance & accident hospital (basic)Basic$500$230.50$174.91$165.64$156.38Go to ahm
21GMHBA LimitedGMHBA Basic Plus Starter HospitalBasic Plus$750$230.70$175.06$165.78$156.51Go to GMHBA
22Westfund LimitedBasic Plus 750 Hospital (Dependants under 25)Basic Plus$750$232.05$176.08$166.75$157.43Go to Westfund
23Bupa HI Pty LtdBasic Accident Only Hospital $500 excessBasic$500$233.00$176.81$167.44$158.07Go to Bupa
24HBF Health LimitedBasic Hospital Plus $750/$1500 ExcessBasic Plus$750$233.51$177.19$167.80$158.42Go to HBF
25Health PartnersBasic Accident Hospital $750 ExcessBasic$750$233.65$177.30$167.90$158.51Go to Health
26ahm health insurancecore hospital (basic+)Basic Plus$750$234.20$177.72$168.30$158.89Go to ahm
27nib Health Funds Ltd.Basic Accident Hospital $750 ExcessBasic$750$234.85$178.21$168.77$159.33Go to nib
28Defence Health Limited
restricted membership
Essentials Hospital Basic Plus 750Basic Plus$750$236.30$179.31$169.81$160.31Go to Defence
29Medibank Private LimitedMedibank Basic Plus SelectBasic Plus$750$237.70$180.37$170.81$161.26Go to Medibank
30Bupa HI Pty LtdBasic Plus Starter Hospital $750 ExcessBasic Plus$750$237.90$180.52$170.96$161.40Go to Bupa
31Peoplecare Health InsuranceBasic Plus Hospital $750Basic Plus$750$238.15$180.71$171.14$161.57Go to Peoplecare
32CBHS Health Fund Limited
restricted membership
Starter Basic Plus Hospital $750 ExcessBasic Plus$750$238.33$180.85$171.27$161.69Go to CBHS
33Defence Health Limited
restricted membership
Defence Hospital Basic PlusBasic Plus$500$239.40$181.66$172.04$162.41Go to Defence
34AIA Health Insurance Pty LtdBasic Accident Only Hospital 750Basic$750$239.65$181.85$172.21$162.58Go to AIA
35HCFHCF Hospital Basic Plus $500 ExcessBasic Plus$500$240.34$182.37$172.71$163.05Go to HCF
36RT Health - a division of The Hospitals Contribution FundBasic Plus Starter Hospital $500 ExcessBasic Plus$500$240.34$182.37$172.71$163.05Go to RT
37HBF Health LimitedBasic Hospital Plus $500/$1000 ExcessBasic Plus$500$242.64$184.12$174.36$164.61Go to HBF
38TUH, part of the Teachers Health Group
restricted membership
Union Health Basic+ Hospital ($500/1000 excess)Basic Plus$500$243.32$184.64$174.85$165.07Go to TUH,
39TUH, part of the Teachers Health Group
restricted membership
Basic+ Hospital $500 excessBasic Plus$500$243.32$184.64$174.85$165.07Go to TUH,
40see-u by HBFSaver Hospital $750 Excess with Daily Co-Pay (Bronze Plus)Bronze Plus$750$243.58$184.83$175.04$165.25Go to see-u
41Health Insurance Fund of Australia LimitedBasic Plus Hospital $750/$1500Basic Plus$750$244.60$185.61$175.77$165.94Go to Health
42Peoplecare Health InsuranceBasic Plus Hospital $500Basic Plus$500$245.36$186.18$176.32$166.46Go to Peoplecare
43nib Health Funds Ltd.Basic Accident Hospital $500 ExcessBasic$500$246.42$186.99$177.08$167.18Go to nib
44Medibank Private LimitedMedibank Basic Plus SelectBasic Plus$500$247.30$187.66$177.71$167.77Go to Medibank
45Phoenix Health Fund LimitedBronze Hospital 750Bronze$750$247.82$188.05$178.09$168.13Go to Phoenix
46ahm health insurancecore hospital (basic+)Basic Plus$500$248.20$188.34$178.36$168.38Go to ahm
47ahm health insurancebronze no fussBronze$750$248.80$188.79$178.79$168.79Go to ahm
48Westfund LimitedBasic Plus 500 Hospital (Dependants under 25)Basic Plus$500$248.86$188.84$178.83$168.83Go to Westfund
49Bupa HI Pty LtdBronze Hospital $750 ExcessBronze$750$250.00$189.71$179.65$169.61Go to Bupa
50GU HealthInpatriate Basic Hospital $1000 Excess (Family)Basic Plus$1000 /policy$250.00$189.71$179.65$169.61Go to GU
51Health Insurance Fund of Australia LimitedBasic Plus Hospital $500/$1000Basic Plus$500$250.40$190.01$179.94$169.88Go to Health
52Phoenix Health Fund LimitedBronze Plus Essentials Hospital 750Bronze Plus$750$251.10$190.54$180.44$170.35Go to Phoenix
53Bupa HI Pty LtdBasic Plus Starter Hospital $500 ExcessBasic Plus$500$251.90$191.15$181.02$170.89Go to Bupa
54Defence Health Limited
restricted membership
Defence Hospital Bronze PlusBronze Plus$750$252.06$191.27$181.13$171.00Go to Defence
55AIA Health Insurance Pty LtdBasic Accident Only Hospital 500Basic$500$252.23$191.40$181.26$171.12Go to AIA
56see-u by HBFSaver Hospital $750 Excess (Bronze Plus)Bronze Plus$750$252.38$191.51$181.36$171.22Go to see-u
57HCFHCF HOSPITAL BRONZE $750 EXCESSBronze$750$252.62$191.69$181.54$171.38Go to HCF
58Medibank Private LimitedMedibank Bronze Plus ValueBronze Plus$750$254.60$193.20$182.96$172.73Go to Medibank
59ACA Health Benefits Fund
restricted membership
Bronze Essentials Hospital 750 NSWBronze$750$254.84$193.38$183.13$172.89Go to ACA
60Defence Health Limited
restricted membership
Essentials Hospital Basic Plus 250Basic Plus$250$256.06$194.30$184.01$173.72Go to Defence
61ahm health insuranceambulance hospital (basic)Basic$750$256.40$194.56$184.25$173.95Go to ahm
62nib Health Funds Ltd.Basic Care Hospital Plus $750 ExcessBasic Plus$750$256.84$194.90$184.57$174.25Go to nib
63Phoenix Health Fund LimitedBronze Hospital 500Bronze$500$257.14$195.12$184.78$174.45Go to Phoenix
64Health PartnersBasic Hospital Plus $750 ExcessBasic Plus$750$257.23$195.19$184.85$174.51Go to Health
65Phoenix Health Fund LimitedBasic Accident Only HospitalBasic$750$257.66$195.52$185.16$174.80Go to Phoenix
66Teachers Health
restricted membership
Basic Hospital (Basic Plus)Basic Plus$300$258.90$196.46$186.05$175.64Go to Teachers
67Teachers Health
restricted membership
Basic Hospital (Basic Plus)Basic Plus$300$258.90$196.46$186.05$175.64Go to Teachers
68Teachers Health
restricted membership
Basic Hospital (Basic Plus)Basic Plus$300$258.90$196.46$186.05$175.64Go to Teachers
69CBHS Health Fund Limited
restricted membership
Value Bronze Plus Hospital $750 ExcessBronze Plus$750$260.95$198.01$187.52$177.03Go to CBHS
70ahm health insurancebronze plus everydayBronze Plus$750$261.20$198.20$187.70$177.20Go to ahm
71nib Health Funds Ltd.ING Basic Plus Hospital $750 ExcessBasic Plus$750$261.77$198.64$188.11$177.59Go to nib
72Defence Health Limited
restricted membership
Saver Hospital Bronze PlusBronze Plus$750$262.30$199.04$188.49$177.95Go to Defence
73HBF Health LimitedLite Bronze Hospital Plus $750/$1500 ExcessBronze Plus$750$262.67$199.32$188.76$178.20Go to HBF
74HBF Health LimitedBasic Hospital Accident Only $750/$1500 ExcessBasic$750$263.45$199.91$189.32$178.73Go to HBF
75Bupa HI Pty LtdBronze Plus Simple Hospital $750 ExcessBronze Plus$750$263.60$200.02$189.43$178.83Go to Bupa
76GMHBA LimitedFrank Bronze HospitalBronze$750$263.65$200.06$189.46$178.87Go to GMHBA
77Latrobe Health ServicesBronze Hospital 750 ExcessBronze$750$263.83$200.20$189.59$178.99Go to Latrobe
78Bupa HI Pty LtdBronze Plus Select Hospital $750 ExcessBronze Plus$750$263.90$200.25$189.64$179.04Go to Bupa
79HBF Health LimitedBasic Hospital Plus Elevate $750/$1500 ExcessBasic Plus$750$264.32$200.57$189.94$179.32Go to HBF
80AIA Health Insurance Pty LtdBasic Plus Hospital 750Basic Plus$750$264.34$200.59$189.96$179.33Go to AIA
81Queensland Country Health FundCore Hospital (Basic+) $750 excessBasic Plus$750$266.38$202.13$191.42$180.72Go to Queensland
82Phoenix Health Fund LimitedBronze Plus Essentials Hospital 500Bronze Plus$500$266.68$202.36$191.64$180.92Go to Phoenix
83Medibank Private LimitedMedibank Basic Plus SelectBasic Plus$250$266.80$202.45$191.73$181.00Go to Medibank
84Health PartnersBasic Hospital Plus $500 ExcessBasic Plus$500$267.19$202.75$192.01$181.27Go to Health
85see-u by HBFSmart Hospital $750 Excess (Bronze Plus)Bronze Plus$750$267.94$203.32$192.54$181.78Go to see-u
86nib Health Funds Ltd.Basic Care Hospital Plus $500 ExcessBasic Plus$500$268.97$204.10$193.28$182.47Go to nib
87Westfund LimitedBronze 750 Hospital (Dependants under 25)Bronze$750$268.97$204.10$193.28$182.47Go to Westfund
88nib Health Funds Ltd.Qantas Basic Hospital $750 ExcessBasic Plus$750$269.35$204.39$193.56$182.73Go to nib
89nib Health Funds Ltd.AAMI Basic Hospital Plus $750 ExcessBasic Plus$750$269.45$204.46$193.63$182.80Go to nib
90nib Health Funds Ltd.Suncorp Health Insurance Basic Hospital Plus $750 ExcessBasic Plus$750$269.45$204.46$193.63$182.80Go to nib
91Defence Health Limited
restricted membership
Defence Hospital Bronze PlusBronze Plus$500$269.82$204.74$193.90$183.05Go to Defence
92nib Health Funds Ltd.Basic Essential Hospital Plus $750 ExcessBasic Plus$750$270.49$205.25$194.38$183.51Go to nib
93Medibank Private LimitedMedibank Bronze Plus AdvancedBronze Plus$750$270.90$205.56$194.67$183.78Go to Medibank
94ahm health insuranceambulance & accident hospital (basic)Basic$750$271.80$206.25$195.32$184.39Go to ahm
95HCFHCF HOSPITAL BRONZE PLUS $750 EXCESSBronze Plus$750$272.88$207.07$196.09$185.13Go to HCF
96ACA Health Benefits Fund
restricted membership
Bronze Essentials Hospital 500 NSWBronze$500$273.04$207.19$196.21$185.24Go to ACA
97ahm health insurancebronze no fussBronze$500$273.60$207.61$196.61$185.62Go to ahm
98Defence Health Limited
restricted membership
Starter Hospital Basic PlusBasic Plus$750$275.00$208.68$197.62$186.57Go to Defence
99Latrobe Health ServicesBronze Plus Hospital 750 ExcessBronze Plus$750$275.18$208.81$197.75$186.69Go to Latrobe
100Queensland Country Health FundBudget Hospital (Basic+) $750 excessBasic Plus$750$275.64$209.16$198.08$187.00Go to Queensland
101nib Health Funds Ltd.Real Basic Plus Hospital $750 ExcessBasic Plus$750$275.75$209.24$198.16$187.07Go to nib
102Latrobe Health ServicesBronze Hospital 500 ExcessBronze$500$276.36$209.71$198.60$187.49Go to Latrobe
103HCFHCF HOSPITAL BRONZE $500 EXCESSBronze$500$277.00$210.19$199.05$187.92Go to HCF
104Bupa HI Pty LtdBupa Employee Bronze Plus HospitalBronze Plus—$277.10$210.27$199.13$187.99Go to Bupa
105GMHBA LimitedFrank Bronze Plus HospitalBronze Plus$750$278.20$211.10$199.92$188.74Go to GMHBA
106Bupa HI Pty LtdBronze Hospital $500 ExcessBronze$500$278.30$211.18$199.99$188.80Go to Bupa
107Medibank Private LimitedMedibank Bronze Plus SupportBronze Plus$750$280.30$212.70$201.43$190.16Go to Medibank
108Health PartnersBasic Accident Hospital $750 ExcessBasic$750$280.37$212.75$201.48$190.21Go to Health
109Health Insurance Fund of Australia LimitedBronze Hospital $750/$1500Bronze$750$280.40$212.77$201.50$190.23Go to Health
110nib Health Funds Ltd.ING Basic Plus Hospital $500 ExcessBasic Plus$500$280.92$213.17$201.87$190.58Go to nib
111nib Health Funds Ltd.Suncorp Health Insurance Basic Hospital Plus $500 ExcessBasic Plus$500$281.01$213.24$201.94$190.64Go to nib
112nib Health Funds Ltd.AAMI Basic Hospital Plus $500 ExcessBasic Plus$500$281.01$213.24$201.94$190.64Go to nib
113nib Health Funds Ltd.Basic Essential Hospital Plus $500 ExcessBasic Plus$500$281.01$213.24$201.94$190.64Go to nib
114nib Health Funds Ltd.Qantas Basic Hospital $500 ExcessBasic Plus$500$281.39$213.52$202.21$190.90Go to nib
115Peoplecare Health InsuranceBronze Plus Hospital $750Bronze Plus$750$281.42$213.55$202.23$190.92Go to Peoplecare
116Defence Health Limited
restricted membership
Defence Hospital Basic PlusBasic Plus$750$281.93$213.93$202.60$191.27Go to Defence
117CBHS Health Fund Limited
restricted membership
Value Bronze Plus Hospital $500 ExcessBronze Plus$500$282.01$213.99$202.66$191.32Go to CBHS
118GMHBA LimitedGMHBA Bronze Plus Core HospitalBronze Plus$750$283.34$215.00$203.61$192.22Go to GMHBA
119Queensland Country Health FundCore Hospital (Basic+) $500 excessBasic Plus$500$283.65$215.24$203.83$192.43Go to Queensland
120Defence Health Limited
restricted membership
Saver Hospital Bronze PlusBronze Plus$500$283.80$215.35$203.94$192.54Go to Defence
121Medibank Private LimitedEssentials Silver Plus HospitalSilver Plus$500$284.20$215.66$204.23$192.81Go to Medibank
122Westfund LimitedBronze Plus 750 Hospital (Dependants under 25)Bronze Plus$750$284.61$215.97$204.52$193.09Go to Westfund
123Bupa HI Pty LtdBasic Accident Only Hospital $750 ExcessBasic$750$285.10$216.34$204.88$193.42Go to Bupa
124Westfund LimitedBasic Plus 750 Hospital (Dependants under 31)Basic Plus$750$285.18$216.40$204.93$193.47Go to Westfund
125Westfund LimitedBasic Plus 750 Hospital (Disability Dependants)Basic Plus$750$285.18$216.40$204.93$193.47Go to Westfund
126HCFHCF ACCIDENT ONLY BASICBasic$750$285.61$216.73$205.24$193.76Go to HCF
127GMHBA LimitedGMHBA Bronze Plus Advantage Hospital $750Bronze Plus$750$286.25$217.21$205.70$194.20Go to GMHBA
128Defence Health Limited
restricted membership
Public Hospital Basic PlusBasic Plus—$286.51$217.41$205.89$194.37Go to Defence
129Westfund LimitedBronze 500 Hospital (Dependants under 25)Bronze$500$286.65$217.52$205.99$194.47Go to Westfund
130Bupa HI Pty LtdBronze Plus Advantage Hospital $750 ExcessBronze Plus$750$286.90$217.71$206.17$194.64Go to Bupa
131nib Health Funds Ltd.Real Basic Plus Hospital $500 ExcessBasic Plus$500$286.96$217.75$206.21$194.68Go to nib
132ahm health insurancebronze plus everydayBronze Plus$500$287.30$218.01$206.46$194.91Go to ahm
133HCiBronze Plus Hospital $750/$1500 excessBronze Plus$750$288.09$218.61$207.02$195.45Go to HCi
134ahm health insuranceambulance & accident hospital (basic)Basic$500$288.10$218.62$207.03$195.45Go to ahm
135Latrobe Health ServicesBronze Plus Hospital 500 ExcessBronze Plus$500$288.63$219.02$207.41$195.81Go to Latrobe
136Australian Unity Health LimitedCore Hospital (Bronze Plus)Bronze Plus$750$289.70$219.83$208.18$196.54Go to Australian
137HCFHCF Hospital Basic Plus $750 ExcessBasic Plus$750$289.86$219.95$208.30$196.65Go to HCF
138RT Health - a division of The Hospitals Contribution FundBasic Plus Starter Hospital $750 ExcessBasic Plus$750$289.86$219.95$208.30$196.65Go to RT
139Doctors' Health Fund
restricted membership
Smart Starter Bronze Plus $750 ExcessBronze Plus$750$290.01$220.07$208.40$196.75Go to Doctors'
140Medibank Private LimitedMedibank Bronze Plus ValueBronze Plus$500$290.60$220.51$208.83$197.15Go to Medibank
141Health Insurance Fund of Australia LimitedBronze Plus Hospital $750/$1500Bronze Plus$750$290.80$220.66$208.97$197.28Go to Health
142Medibank Private LimitedMedibank Basic Plus SelectBasic Plus$750$291.20$220.97$209.26$197.56Go to Medibank
143Defence Health Limited
restricted membership
Everyday Hospital Bronze Plus 750Bronze Plus$750$291.58$221.26$209.53$197.81Go to Defence
144RT Health - a division of The Hospitals Contribution FundBronze Plus Essential Hospital $700 ExcessBronze Plus$700$291.76$221.39$209.66$197.94Go to RT
145HBF Health LimitedBasic Hospital Plus $750/$1500 ExcessBasic Plus$750$291.91$221.51$209.77$198.04Go to HBF
146ahm health insurancebronze plus loadedBronze Plus$750$292.40$221.88$210.12$198.37Go to ahm
147ahm health insurancecore hospital (basic+)Basic Plus$750$292.70$222.11$210.34$198.57Go to ahm
148nib Health Funds Ltd.Bronze Protect Hospital Plus $750 ExcessBronze Plus$750$292.72$222.12$210.35$198.59Go to nib
149Defence Health Limited
restricted membership
Advanced Hospital Bronze PlusBronze Plus$750$293.78$222.93$211.11$199.31Go to Defence
150HBF Health LimitedLite Bronze Hospital Plus $500/$1000 ExcessBronze Plus$500$295.00$223.85$211.99$200.13Go to HBF
151TUH, part of the Teachers Health Group
restricted membership
Bronze+ Hospital $750 excessBronze Plus$750$295.30$224.08$212.21$200.34Go to TUH,
152TUH, part of the Teachers Health Group
restricted membership
Union Health Bronze+ Hospital $750 excessBronze Plus$750$295.30$224.08$212.21$200.34Go to TUH,
153Defence Health Limited
restricted membership
Essentials Hospital Basic Plus 750Basic Plus$750$295.38$224.14$212.26$200.39Go to Defence
154Bupa HI Pty LtdBronze Plus Simple Hospital $500 ExcessBronze Plus$500$295.80$224.46$212.56$200.68Go to Bupa
155HBF Health LimitedBasic Hospital Plus Elevate $500/$1000 ExcessBasic Plus$500$295.91$224.54$212.64$200.75Go to HBF
156Medibank Private LimitedEssentials Silver Plus HospitalSilver Plus$250$296.20$224.76$212.85$200.95Go to Medibank
157AIA Health Insurance Pty LtdBronze Hospital 750Bronze$750$296.42$224.93$213.01$201.10Go to AIA
158nib Health Funds Ltd.Bronze Hospital $750 ExcessBronze$750$297.62$225.84$213.87$201.91Go to nib
159Health Insurance Fund of Australia LimitedBronze Hospital $500/$1000Bronze$500$299.00$226.89$214.86$202.85Go to Health
160Defence Health Limited
restricted membership
Defence Hospital Basic PlusBasic Plus$500$299.25$227.08$215.04$203.02Go to Defence
161AIA Health Insurance Pty LtdBasic Accident Only Hospital 750Basic$750$299.55$227.30$215.26$203.22Go to AIA

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 $300 a month in New South Wales for a family?
Silver Plus: Medibank Private Limited's Essentials Silver Plus Hospital at $284.20 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. $205.20 a month is the figure ahm health insurance published to the regulator for a family 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?
ahm health insurance's ambulance hospital (basic) at $205.20 a month published comes to under 65 about $155.71 a month, 65 to 69 about $147.46 a month, 70 and over about $139.21 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 family in New South Wales, 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