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Health insurance question · South Australia · Couple · release 2026-10-01 · ranked 2026-11-09

Hospital cover under $300 a month in South Australia for a couple

In South Australia, 162 open hospital policies for a couple are published under $300 a month before the government rebate, from 24 insurers on 4 tiers (Bronze Plus, Bronze, Basic Plus, Basic); the cheapest is see-u by HBF's Starter Hospital $750 Excess with Daily Co-Pay (Basic) at $197.62 a month before the government rebate, or about $149.96 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 162 under $300

Every open hospital policy for a couple in South Australia 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.

162 policies from 24 insurers answer this question in the release dated 2026-10-01; median $258.10 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 South Australia.

All 162, 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.

162 of 162 policies that answer "Is there hospital cover under $300 a month in South Australia for a couple?" 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
1see-u by HBFStarter Hospital $750 Excess with Daily Co-Pay (Basic)Basic$750$197.62$149.96$142.01$134.07Go to see-u
2ahm health insuranceambulance hospital (basic)Basic$750$199.00$151.01$143.00$135.01Go to ahm
3GMHBA LimitedFrank Basic Accident Boost HospitalBasic$750$204.00$154.80$146.60$138.40Go to GMHBA
4HCFHCF Reciprocal Health Cover BasicBasic$750$204.50$155.18$146.96$138.74Go to HCF
5HCFHCF ACCIDENT ONLY BASICBasic$750$205.28$155.77$147.52$139.27Go to HCF
6see-u by HBFStarter Hospital $750 Excess (Basic)Basic$750$206.48$156.68$148.38$140.08Go to see-u
7Phoenix Health Fund LimitedBasic Accident Only HospitalBasic$750$209.10$158.67$150.26$141.86Go to Phoenix
8ahm health insuranceambulance & accident hospital (basic)Basic$750$211.30$160.34$151.84$143.35Go to ahm
9TUH, part of the Teachers Health Group
restricted membership
Basic+ Hospital $750 excessBasic Plus$750$212.72$161.42$152.86$144.31Go to TUH,
10TUH, part of the Teachers Health Group
restricted membership
Union Health Basic+ Hospital $750 excessBasic Plus$750$212.72$161.42$152.86$144.31Go to TUH,
11HBF Health LimitedBasic Hospital Accident Only $750/$1500 ExcessBasic$750$214.13$162.49$153.88$145.27Go to HBF
12HCiBasic Plus Hospital $750/$1500 excessBasic Plus$750$214.30$162.62$154.00$145.39Go to HCi
13GMHBA LimitedGMHBA Accident Only Hospital (Basic)Basic$750$216.90$164.59$155.87$147.15Go to GMHBA
14nib Health Funds Ltd.Basic Accident Hospital $750 ExcessBasic$750$217.30$164.89$156.15$147.42Go to nib
15Bupa HI Pty LtdBasic Accident Only Hospital $750 ExcessBasic$750$217.90$165.35$156.59$147.83Go to Bupa
16Defence Health Limited
restricted membership
Starter Hospital Basic PlusBasic Plus$750$218.00$165.42$156.66$147.90Go to Defence
17Health PartnersBasic Accident Hospital $750 ExcessBasic$750$218.40$165.73$156.94$148.17Go to Health
18HBF Health LimitedBasic Hospital Accident Only $750/$1500 Excess & Ambulance CareBasic$750$218.48$165.79$157.00$148.22Go to HBF
19Medibank Private LimitedMedibank Basic Accident and AmbulanceBasic$750$222.50$168.84$159.89$150.95Go to Medibank
20GMHBA LimitedFrank Basic Plus HospitalBasic Plus$750$222.90$169.14$160.18$151.22Go to GMHBA
21Defence Health Limited
restricted membership
Defence Hospital Basic PlusBasic Plus$750$223.38$169.51$160.52$151.55Go to Defence
22HCFHCF Hospital Basic Plus $750 ExcessBasic Plus$750$223.48$169.58$160.59$151.61Go to HCF
23RT Health - a division of The Hospitals Contribution FundBasic Plus Starter Hospital $750 ExcessBasic Plus$750$223.48$169.58$160.59$151.61Go to RT
24ahm health insuranceambulance & accident hospital (basic)Basic$500$224.00$169.98$160.97$151.97Go to ahm
25HBF Health LimitedBasic Hospital Plus $750/$1500 ExcessBasic Plus$750$224.65$170.47$161.44$152.41Go to HBF
26Westfund LimitedBasic Plus 750 HospitalBasic Plus$750$225.68$171.25$162.18$153.11Go to Westfund
27Health Insurance Fund of Australia LimitedBasic Plus Hospital $750/$1500Basic Plus$750$227.20$172.40$163.27$154.14Go to Health
28Australian Unity Health LimitedSimple Hospital (Basic Plus)Basic Plus$750$227.50$172.63$163.48$154.34Go to Australian
29HBF Health LimitedBasic Hospital Plus $750/$1500 Excess & Ambulance CareBasic Plus$750$229.00$173.77$164.56$155.36Go to HBF
30Defence Health Limited
restricted membership
Essentials Hospital Basic Plus 750Basic Plus$750$230.14$174.63$165.38$156.13Go to Defence
31CBHS Health Fund Limited
restricted membership
Starter Basic Plus Hospital $750 ExcessBasic Plus$750$230.27$174.73$165.47$156.22Go to CBHS
32nib Health Funds Ltd.Basic Accident Hospital $500 ExcessBasic$500$230.30$174.76$165.50$156.24Go to nib
33ahm health insurancecore hospital (basic+)Basic Plus$750$231.10$175.36$166.07$156.78Go to ahm
34Bupa HI Pty LtdBasic Accident Only Hospital $500 excessBasic$500$231.40$175.59$166.29$156.99Go to Bupa
35Health Insurance Fund of Australia LimitedBasic Plus Hospital $500/$1000Basic Plus$500$231.50$175.67$166.36$157.05Go to Health
36nib Health Funds Ltd.Basic Care Hospital Plus $750 ExcessBasic Plus$750$232.19$176.19$166.85$157.52Go to nib
37AIA Health Insurance Pty LtdBasic Accident Only Hospital 750Basic$750$232.44$176.38$167.03$157.69Go to AIA
38GMHBA LimitedGMHBA Basic Plus Starter HospitalBasic Plus$750$233.00$176.81$167.44$158.07Go to GMHBA
39Medibank Private LimitedMedibank Basic Plus SelectBasic Plus$750$233.00$176.81$167.44$158.07Go to Medibank
40Bupa HI Pty LtdBasic Plus Starter Hospital $750 ExcessBasic Plus$750$233.10$176.88$167.51$158.14Go to Bupa
41TUH, part of the Teachers Health Group
restricted membership
Basic+ Hospital $500 excessBasic Plus$500$233.54$177.21$167.82$158.44Go to TUH,
42TUH, part of the Teachers Health Group
restricted membership
Union Health Basic+ Hospital ($500/1000 excess)Basic Plus$500$233.54$177.21$167.82$158.44Go to TUH,
43HBF Health LimitedBasic Hospital Plus $500/$1000 ExcessBasic Plus$500$237.51$180.23$170.68$161.13Go to HBF
44Peoplecare Health InsuranceBasic Plus Hospital $750Basic Plus$750$238.15$180.71$171.14$161.57Go to Peoplecare
45Health PartnersBasic Hospital Plus $750 ExcessBasic Plus$750$239.72$181.90$172.27$162.63Go to Health
46Westfund LimitedBasic Plus 500 HospitalBasic Plus$500$240.24$182.30$172.64$162.98Go to Westfund
47nib Health Funds Ltd.ING Basic Plus Hospital $750 ExcessBasic Plus$750$240.68$182.63$172.96$163.28Go to nib
48Medibank Private LimitedMedibank Basic Accident and AmbulanceBasic$500$241.30$183.10$173.40$163.70Go to Medibank
49AIA Health Insurance Pty LtdBasic Plus Hospital 750Basic Plus$750$241.75$183.44$173.72$164.01Go to AIA
50HBF Health LimitedBasic Hospital Plus $500/$1000 Excess & Ambulance CareBasic Plus$500$241.86$183.53$173.80$164.08Go to HBF
51nib Health Funds Ltd.Real Basic Plus Hospital $750 ExcessBasic Plus$750$242.22$183.80$174.06$164.33Go to nib
52nib Health Funds Ltd.AAMI Basic Hospital Plus $750 ExcessBasic Plus$750$242.67$184.14$174.39$164.63Go to nib
53nib Health Funds Ltd.Basic Essential Hospital Plus $750 ExcessBasic Plus$750$242.94$184.35$174.58$164.82Go to nib
54nib Health Funds Ltd.Suncorp Health Insurance Basic Hospital Plus $750 ExcessBasic Plus$750$242.94$184.35$174.58$164.82Go to nib
55Medibank Private LimitedMedibank Basic Plus SelectBasic Plus$500$243.00$184.39$174.62$164.86Go to Medibank
56nib Health Funds Ltd.Qantas Basic Hospital $750 ExcessBasic Plus$750$243.66$184.89$175.10$165.30Go to nib
57see-u by HBFSaver Hospital $750 Excess with Daily Co-Pay (Bronze Plus)Bronze Plus$750$244.72$185.70$175.86$166.02Go to see-u
58ahm health insurancecore hospital (basic+)Basic Plus$500$245.00$185.91$176.06$166.21Go to ahm
59Peoplecare Health InsuranceBasic Plus Hospital $500Basic Plus$500$245.36$186.18$176.32$166.46Go to Peoplecare
60Bupa HI Pty LtdBasic Plus Starter Hospital $500 ExcessBasic Plus$500$247.10$187.50$177.57$167.64Go to Bupa
61Defence Health Limited
restricted membership
Defence Hospital Basic PlusBasic Plus$500$247.18$187.57$177.63$167.69Go to Defence
62HCFHCF Hospital Basic Plus $500 ExcessBasic Plus$500$247.18$187.57$177.63$167.69Go to HCF
63RT Health - a division of The Hospitals Contribution FundBasic Plus Starter Hospital $500 ExcessBasic Plus$500$247.18$187.57$177.63$167.69Go to RT
64ahm health insurancebronze no fussBronze$750$247.60$187.88$177.93$167.98Go to ahm
65Latrobe Health ServicesBasic Plus Active Hospital $750Basic Plus$750$248.59$188.64$178.64$168.65Go to Latrobe
66HBF Health LimitedBasic Hospital Plus Elevate $750/$1500 ExcessBasic Plus$750$248.72$188.73$178.73$168.74Go to HBF
67AIA Health Insurance Pty LtdBasic Accident Only Hospital 500Basic$500$248.76$188.76$178.76$168.76Go to AIA
68Australian Unity Health LimitedSimple Hospital (Basic Plus)Basic Plus$500$249.20$189.10$179.08$169.06Go to Australian
69Health PartnersBasic Hospital Plus $500 ExcessBasic Plus$500$249.69$189.47$179.43$169.39Go to Health
70Defence Health Limited
restricted membership
Saver Hospital Bronze PlusBronze Plus$750$250.00$189.71$179.65$169.61Go to Defence
71Phoenix Health Fund LimitedBronze Hospital 750Bronze$750$250.60$190.16$180.08$170.01Go to Phoenix
72HBF Health LimitedLite Bronze Hospital Plus $750/$1500 ExcessBronze Plus$750$253.07$192.03$181.86$171.69Go to HBF
73HBF Health LimitedBasic Hospital Plus Elevate $750/$1500 Excess & Ambulance CareBasic Plus$750$253.07$192.03$181.86$171.69Go to HBF
74see-u by HBFSaver Hospital $750 Excess (Bronze Plus)Bronze Plus$750$253.66$192.48$182.28$172.09Go to see-u
75nib Health Funds Ltd.Basic Care Hospital Plus $500 ExcessBasic Plus$500$253.86$192.63$182.43$172.22Go to nib
76Latrobe Health ServicesBasic Plus Top Hospital $750Basic Plus$750$254.03$192.76$182.55$172.34Go to Latrobe
77CBHS Health Fund Limited
restricted membership
Value Bronze Plus Hospital $750 ExcessBronze Plus$750$255.23$193.67$183.41$173.15Go to CBHS
78Phoenix Health Fund LimitedBronze Plus Essentials Hospital 750Bronze Plus$750$255.44$193.83$183.56$173.30Go to Phoenix
79GMHBA LimitedFrank Bronze HospitalBronze$750$255.45$193.84$183.57$173.30Go to GMHBA
80HBF Health LimitedLite Bronze Hospital Plus $750/$1500 Excess & Ambulance CareBronze Plus$750$257.42$195.34$184.98$174.64Go to HBF
81Defence Health Limited
restricted membership
Defence Hospital Bronze PlusBronze Plus$750$257.64$195.50$185.14$174.79Go to Defence
82Bupa HI Pty LtdBronze Hospital $750 ExcessBronze$750$258.10$195.85$185.47$175.10Go to Bupa
83Latrobe Health ServicesBronze Hospital 750 ExcessBronze$750$258.45$196.12$185.72$175.34Go to Latrobe
84Defence Health Limited
restricted membership
Essentials Hospital Basic Plus 250Basic Plus$250$259.72$197.08$186.64$176.20Go to Defence
85Teachers Health
restricted membership
Basic Hospital (Basic Plus)Basic Plus$300$260.00$197.29$186.84$176.39Go to Teachers
86Teachers Health
restricted membership
Basic Hospital (Basic Plus)Basic Plus$300$260.00$197.29$186.84$176.39Go to Teachers
87Teachers Health
restricted membership
Basic Hospital (Basic Plus)Basic Plus$300$260.00$197.29$186.84$176.39Go to Teachers
88Medibank Private LimitedMedibank Bronze Plus ValueBronze Plus$750$260.70$197.82$187.34$176.86Go to Medibank
89ahm health insurancebronze plus everydayBronze Plus$750$262.10$198.89$188.35$177.81Go to ahm
90Medibank Private LimitedMedibank Basic Plus SelectBasic Plus$250$262.50$199.19$188.64$178.09Go to Medibank
91Defence Health Limited
restricted membership
Saver Hospital Bronze PlusBronze Plus$500$264.00$200.33$189.71$179.10Go to Defence
92nib Health Funds Ltd.Qantas Basic Hospital $500 ExcessBasic Plus$500$264.88$201.00$190.35$179.70Go to nib
93Westfund LimitedBronze 750 HospitalBronze$750$265.63$201.57$190.88$180.21Go to Westfund
94Latrobe Health ServicesBronze Plus Hospital 750 ExcessBronze Plus$750$266.24$202.03$191.32$180.62Go to Latrobe
95Phoenix Health Fund LimitedBronze Hospital 500Bronze$500$266.30$202.07$191.37$180.66Go to Phoenix
96Queensland Country Health FundCore Hospital (Basic+) $750 excessBasic Plus$750$266.38$202.13$191.42$180.72Go to Queensland
97nib Health Funds Ltd.ING Basic Plus Hospital $500 ExcessBasic Plus$500$266.86$202.50$191.77$181.04Go to nib
98TUH, part of the Teachers Health Group
restricted membership
Union Health Bronze+ Hospital $750 excessBronze Plus$750$266.96$202.57$191.84$181.11Go to TUH,
99TUH, part of the Teachers Health Group
restricted membership
Bronze+ Hospital $750 excessBronze Plus$750$266.96$202.57$191.84$181.11Go to TUH,
100nib Health Funds Ltd.AAMI Basic Hospital Plus $500 ExcessBasic Plus$500$267.04$202.64$191.90$181.17Go to nib
101nib Health Funds Ltd.Suncorp Health Insurance Basic Hospital Plus $500 ExcessBasic Plus$500$267.13$202.70$191.96$181.23Go to nib
102nib Health Funds Ltd.Basic Essential Hospital Plus $500 ExcessBasic Plus$500$267.13$202.70$191.96$181.23Go to nib
103GMHBA LimitedFrank Bronze Plus HospitalBronze Plus$750$267.20$202.76$192.01$181.27Go to GMHBA
104nib Health Funds Ltd.Real Basic Plus Hospital $500 ExcessBasic Plus$500$267.85$203.25$192.48$181.71Go to nib
105HCFHCF HOSPITAL BRONZE $750 EXCESSBronze$750$268.12$203.45$192.67$181.90Go to HCF
106see-u by HBFSmart Hospital $750 Excess (Bronze Plus)Bronze Plus$750$270.58$205.32$194.44$183.57Go to see-u
107Latrobe Health ServicesBronze Hospital 500 ExcessBronze$500$271.59$206.09$195.17$184.25Go to Latrobe
108ahm health insurancebronze no fussBronze$500$272.30$206.63$195.68$184.73Go to ahm
109Defence Health Limited
restricted membership
Defence Hospital Bronze PlusBronze Plus$500$272.38$206.69$195.73$184.79Go to Defence
110nib Health Funds Ltd.Bronze Hospital $750 ExcessBronze$750$272.82$207.02$196.05$185.09Go to nib
111HBF Health LimitedBasic Hospital Plus Elevate $500/$1000 ExcessBasic Plus$500$272.88$207.07$196.09$185.13Go to HBF
112nib Health Funds Ltd.Bronze Protect Hospital Plus $750 ExcessBronze Plus$750$273.54$207.57$196.57$185.58Go to nib
113Westfund LimitedBronze Plus 750 HospitalBronze Plus$750$274.30$208.14$197.11$186.09Go to Westfund
114Phoenix Health Fund LimitedBronze Plus Essentials Hospital 500Bronze Plus$500$275.64$209.16$198.08$187.00Go to Phoenix
115Queensland Country Health FundBudget Hospital (Basic+) $750 excessBasic Plus$750$275.64$209.16$198.08$187.00Go to Queensland
116HCFHCF HOSPITAL BRONZE PLUS $750 EXCESSBronze Plus$750$275.76$209.25$198.16$187.08Go to HCF
117Defence Health Limited
restricted membership
Everyday Hospital Bronze Plus 750Bronze Plus$750$275.84$209.31$198.22$187.14Go to Defence
118HCiBronze Plus Hospital $750/$1500 excessBronze Plus$750$275.98$209.42$198.32$187.23Go to HCi
119HBF Health LimitedBasic Hospital Plus Elevate $500/$1000 Excess & Ambulance CareBasic Plus$500$277.23$210.37$199.22$188.08Go to HBF
120ACA Health Benefits Fund
restricted membership
Bronze Essentials Hospital 750 SABronze$750$277.48$210.56$199.40$188.25Go to ACA
121Bupa HI Pty LtdBronze Hospital $500 ExcessBronze$500$278.10$211.03$199.85$188.67Go to Bupa
122Bupa HI Pty LtdBronze Plus Simple Hospital $750 ExcessBronze Plus$750$279.10$211.79$200.56$189.35Go to Bupa
123HBF Health LimitedLite Bronze Hospital Plus $500/$1000 ExcessBronze Plus$500$279.40$212.01$200.78$189.55Go to HBF
124Defence Health Limited
restricted membership
Advanced Hospital Bronze PlusBronze Plus$750$280.00$212.47$201.21$189.96Go to Defence
125CBHS Health Fund Limited
restricted membership
Value Bronze Plus Hospital $500 ExcessBronze Plus$500$280.19$212.61$201.35$190.09Go to CBHS
126Latrobe Health ServicesBronze Plus Hospital 500 ExcessBronze Plus$500$280.40$212.77$201.50$190.23Go to Latrobe
127Bupa HI Pty LtdBronze Plus Select Hospital $750 ExcessBronze Plus$750$280.60$212.92$201.64$190.36Go to Bupa
128Peoplecare Health InsuranceBronze Plus Hospital $750Bronze Plus$750$281.42$213.55$202.23$190.92Go to Peoplecare
129nib Health Funds Ltd.Qantas Bronze Hospital Plus $750 ExcessBronze Plus$750$283.11$214.83$203.45$192.07Go to nib
130nib Health Funds Ltd.Apia Bronze Hospital Plus $750 ExcessBronze Plus$750$283.11$214.83$203.45$192.07Go to nib
131nib Health Funds Ltd.Bronze Hospital $500 ExcessBronze$500$283.11$214.83$203.45$192.07Go to nib
132nib Health Funds Ltd.Seniors Bronze Plus Hospital $750 ExcessBronze Plus$750$283.38$215.03$203.64$192.25Go to nib
133nib Health Funds Ltd.AAMI Bronze Hospital $750 ExcessBronze Plus$750$283.38$215.03$203.64$192.25Go to nib
134nib Health Funds Ltd.ING Bronze Plus Hospital $750 ExcessBronze Plus$750$283.47$215.10$203.70$192.31Go to nib
135nib Health Funds Ltd.Suncorp Health Insurance Bronze Hospital $750 ExcessBronze Plus$750$283.47$215.10$203.70$192.31Go to nib
136nib Health Funds Ltd.Real Bronze Plus Hospital $750 ExcessBronze Plus$750$283.56$215.17$203.77$192.37Go to nib
137Queensland Country Health FundCore Hospital (Basic+) $500 excessBasic Plus$500$283.65$215.24$203.83$192.43Go to Queensland
138nib Health Funds Ltd.Bronze Hospital Plus $750 ExcessBronze Plus$750$283.74$215.31$203.90$192.49Go to nib
139HBF Health LimitedLite Bronze Hospital Plus $500/$1000 Excess & Ambulance CareBronze Plus$500$283.75$215.32$203.91$192.50Go to HBF
140Westfund LimitedBronze 500 HospitalBronze$500$283.88$215.41$204.00$192.59Go to Westfund
141Australian Unity Health LimitedCore Hospital (Bronze Plus)Bronze Plus$750$285.10$216.34$204.88$193.42Go to Australian
142GMHBA LimitedGMHBA Bronze Plus Core HospitalBronze Plus$750$286.20$217.17$205.67$194.16Go to GMHBA
143HBF Health LimitedBronze Hospital Plus $750/$1500 ExcessBronze Plus$750$286.53$217.42$205.90$194.39Go to HBF
144Bupa HI Pty LtdBupa Employee Bronze Plus HospitalBronze Plus—$286.90$217.71$206.17$194.64Go to Bupa
145Medibank Private LimitedMedibank Bronze Plus AdvancedBronze Plus$750$287.20$217.93$206.38$194.84Go to Medibank
146ahm health insurancebronze plus everydayBronze Plus$500$288.30$218.77$207.18$195.59Go to ahm
147Health PartnersBronze Hospital Plus $750 ExcessBronze Plus$750$288.34$218.80$207.20$195.62Go to Health
148TUH, part of the Teachers Health Group
restricted membership
Bronze+ Hospital $500 excessBronze Plus$500$288.50$218.92$207.32$195.72Go to TUH,
149TUH, part of the Teachers Health Group
restricted membership
Union Health Bronze+ Hospital $500 excessBronze Plus$500$288.50$218.92$207.32$195.72Go to TUH,
150GMHBA LimitedGMHBA Bronze Plus Advantage Hospital $750Bronze Plus$750$289.10$219.37$207.75$196.13Go to GMHBA
151HBF Health LimitedBronze Hospital Plus $750/$1500 Excess & Ambulance CareBronze Plus$750$290.88$220.73$209.03$197.34Go to HBF
152Health Insurance Fund of Australia LimitedBronze Hospital $750/$1500Bronze$750$291.60$221.27$209.55$197.83Go to Health
153Latrobe Health ServicesPartner Basic PlusBasic Plus$750$292.82$222.20$210.42$198.65Go to Latrobe
154HCFHCF HOSPITAL BRONZE $500 EXCESSBronze$500$294.00$223.09$211.27$199.46Go to HCF
155nib Health Funds Ltd.Bronze Protect Hospital Plus $500 ExcessBronze Plus$500$294.13$223.19$211.36$199.54Go to nib
156RT Health - a division of The Hospitals Contribution FundBronze Plus Essential Hospital $700 ExcessBronze Plus$700$294.80$223.70$211.85$200.00Go to RT
157Defence Health Limited
restricted membership
Advanced Hospital Bronze PlusBronze Plus$500$295.68$224.37$212.48$200.60Go to Defence
158Defence Health Limited
restricted membership
Public Hospital Basic PlusBasic Plus—$296.90$225.29$213.36$201.42Go to Defence
159Defence Health Limited
restricted membership
Everyday Hospital Bronze Plus 500Bronze Plus$500$297.40$225.67$213.71$201.76Go to Defence
160nib Health Funds Ltd.Basic Essential Hospital Plus $250 ExcessBasic Plus$250$297.83$226.00$214.02$202.05Go to nib
161Health Insurance Fund of Australia LimitedBronze Hospital $500/$1000Bronze$500$298.60$226.58$214.58$202.58Go to Health
162ACA Health Benefits Fund
restricted membership
Bronze Essentials Hospital 500 SABronze$500$298.92$226.83$214.81$202.79Go to ACA

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 South Australia for a couple?
Bronze Plus: see-u by HBF's Saver Hospital $750 Excess with Daily Co-Pay (Bronze Plus) at $244.72 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. $197.62 a month is the figure see-u by HBF published to the regulator for a couple in South Australia 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?
see-u by HBF's Starter Hospital $750 Excess with Daily Co-Pay (Basic) at $197.62 a month published comes to under 65 about $149.96 a month, 65 to 69 about $142.01 a month, 70 and over about $134.07 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 South Australia, 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