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

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

In Western Australia, 253 open hospital policies for a couple are published under $300 a month before the government rebate, from 27 insurers on 6 tiers (Silver Plus, Silver, Bronze Plus, Bronze, Basic Plus, Basic); the cheapest is see-u by HBF's Starter Hospital $750 Excess with Daily Co-Pay (Basic) at $157.72 a month before the government rebate, or about $119.68 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 253 under $300

Every open hospital policy for a couple in Western 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.

253 policies from 27 insurers answer this question in the release dated 2026-10-01; median $224.00 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 Western Australia.

All 253, 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.

253 of 253 policies that answer "Is there hospital cover under $300 a month in Western 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$157.72$119.68$113.34$107.00Go to see-u
2HBF Health LimitedBasic Hospital Accident Only $750/$1500 ExcessBasic$750$158.25$120.08$113.72$107.36Go to HBF
3ahm health insuranceambulance hospital (basic)Basic$750$159.20$120.80$114.40$108.00Go to ahm
4GMHBA LimitedFrank Basic Accident Boost HospitalBasic$750$159.90$121.34$114.91$108.48Go to GMHBA
5HBF Health LimitedBasic Hospital Accident Only $750/$1500 Excess & Ambulance CareBasic$750$162.60$123.38$116.85$110.31Go to HBF
6see-u by HBFStarter Hospital $750 Excess (Basic)Basic$750$166.58$126.40$119.71$113.01Go to see-u
7Phoenix Health Fund LimitedBasic Accident Only HospitalBasic$750$167.28$126.94$120.21$113.49Go to Phoenix
8HCiBasic Plus Hospital $750/$1500 excessBasic Plus$750$167.62$127.19$120.45$113.72Go to HCi
9Defence Health Limited
restricted membership
Starter Hospital Basic PlusBasic Plus$750$170.00$129.00$122.16$115.33Go to Defence
10GMHBA LimitedGMHBA Accident Only Hospital (Basic)Basic$750$170.10$129.08$122.24$115.40Go to GMHBA
11Bupa HI Pty LtdBasic Accident Only Hospital $750 ExcessBasic$750$170.40$129.30$122.45$115.60Go to Bupa
12ahm health insuranceambulance & accident hospital (basic)Basic$750$171.10$129.83$122.95$116.08Go to ahm
13nib Health Funds Ltd.Basic Accident Hospital $750 ExcessBasic$750$171.26$129.96$123.07$116.19Go to nib
14HCFHCF Reciprocal Health Cover BasicBasic$750$171.50$130.14$123.24$116.35Go to HCF
15Medibank Private LimitedMedibank Basic Accident and AmbulanceBasic$750$172.30$130.74$123.82$116.89Go to Medibank
16HCFHCF ACCIDENT ONLY BASICBasic$750$172.32$130.76$123.83$116.91Go to HCF
17Defence Health Limited
restricted membership
Defence Hospital Basic PlusBasic Plus$750$172.42$130.84$123.90$116.97Go to Defence
18HCFHCF Hospital Basic Plus $750 ExcessBasic Plus$750$173.40$131.58$124.61$117.64Go to HCF
19RT Health - a division of The Hospitals Contribution FundBasic Plus Starter Hospital $750 ExcessBasic Plus$750$173.40$131.58$124.61$117.64Go to RT
20AIA Health Insurance Pty LtdBasic Accident Only Hospital 750Basic$750$175.91$133.48$126.41$119.34Go to AIA
21GMHBA LimitedFrank Basic Plus HospitalBasic Plus$750$176.30$133.78$126.69$119.61Go to GMHBA
22Westfund LimitedBasic Plus 750 HospitalBasic Plus$750$178.88$135.74$128.54$121.36Go to Westfund
23ahm health insurancecore hospital (basic+)Basic Plus$750$179.30$136.06$128.85$121.64Go to ahm
24Defence Health Limited
restricted membership
Essentials Hospital Basic Plus 750Basic Plus$750$179.46$136.18$128.96$121.75Go to Defence
25nib Health Funds Ltd.Basic Accident Hospital $500 ExcessBasic$500$181.28$137.56$130.27$122.98Go to nib
26ahm health insuranceambulance & accident hospital (basic)Basic$500$181.30$137.57$130.28$123.00Go to ahm
27TUH, part of the Teachers Health Group
restricted membership
Basic+ Hospital $750 excessBasic Plus$750$181.70$137.88$130.57$123.27Go to TUH,
28TUH, part of the Teachers Health Group
restricted membership
Union Health Basic+ Hospital $750 excessBasic Plus$750$181.70$137.88$130.57$123.27Go to TUH,
29Health Insurance Fund of Australia LimitedBasic Plus Hospital $750/$1500Basic Plus$750$183.10$138.94$131.58$124.22Go to Health
30HBF Health LimitedBasic Hospital Plus $750/$1500 ExcessBasic Plus$750$183.46$139.21$131.84$124.46Go to HBF
31Bupa HI Pty LtdBasic Accident Only Hospital $500 excessBasic$500$183.90$139.55$132.15$124.76Go to Bupa
32GMHBA LimitedGMHBA Basic Plus Starter HospitalBasic Plus$750$184.75$140.19$132.76$125.34Go to GMHBA
33AIA Health Insurance Pty LtdBasic Accident Only Hospital 500Basic$500$185.19$140.53$133.08$125.64Go to AIA
34TUH, part of the Teachers Health Group
restricted membership
Basic+ Hospital $500 excessBasic Plus$500$185.54$140.79$133.33$125.87Go to TUH,
35TUH, part of the Teachers Health Group
restricted membership
Union Health Basic+ Hospital ($500/1000 excess)Basic Plus$500$185.54$140.79$133.33$125.87Go to TUH,
36nib Health Funds Ltd.Basic Care Hospital Plus $750 ExcessBasic Plus$750$186.78$141.73$134.22$126.72Go to nib
37Medibank Private LimitedMedibank Basic Plus SelectBasic Plus$750$187.20$142.05$134.52$127.00Go to Medibank
38Bupa HI Pty LtdBasic Plus Starter Hospital $750 ExcessBasic Plus$750$187.30$142.13$134.60$127.07Go to Bupa
39HBF Health LimitedBasic Hospital Plus $750/$1500 Excess & Ambulance CareBasic Plus$750$187.81$142.51$134.96$127.41Go to HBF
40Health Insurance Fund of Australia LimitedBasic Plus Hospital $500/$1000Basic Plus$500$187.90$142.58$135.03$127.48Go to Health
41see-u by HBFSaver Hospital $750 Excess with Daily Co-Pay (Bronze Plus)Bronze Plus$750$188.20$142.81$135.24$127.68Go to see-u
42ahm health insurancebronze no fussBronze$750$189.40$143.72$136.10$128.49Go to ahm
43ahm health insurancecore hospital (basic+)Basic Plus$500$190.10$144.25$136.61$128.97Go to ahm
44Bupa HI Pty LtdBronze Hospital $750 ExcessBronze$750$190.20$144.33$136.68$129.04Go to Bupa
45Defence Health Limited
restricted membership
Defence Hospital Basic PlusBasic Plus$500$191.28$145.15$137.46$129.77Go to Defence
46nib Health Funds Ltd.AAMI Basic Hospital Plus $750 ExcessBasic Plus$750$191.39$145.23$137.53$129.84Go to nib
47Australian Unity Health LimitedSimple Hospital (Basic Plus)Basic Plus$750$191.50$145.31$137.61$129.92Go to Australian
48nib Health Funds Ltd.ING Basic Plus Hospital $750 ExcessBasic Plus$750$191.57$145.37$137.66$129.96Go to nib
49HCFHCF Hospital Basic Plus $500 ExcessBasic Plus$500$192.26$145.89$138.16$130.43Go to HCF
50RT Health - a division of The Hospitals Contribution FundBasic Plus Starter Hospital $500 ExcessBasic Plus$500$192.26$145.89$138.16$130.43Go to RT
51nib Health Funds Ltd.Suncorp Health Insurance Basic Hospital Plus $750 ExcessBasic Plus$750$192.65$146.19$138.44$130.70Go to nib
52nib Health Funds Ltd.Qantas Basic Hospital $750 ExcessBasic Plus$750$192.65$146.19$138.44$130.70Go to nib
53nib Health Funds Ltd.Basic Essential Hospital Plus $750 ExcessBasic Plus$750$192.65$146.19$138.44$130.70Go to nib
54nib Health Funds Ltd.Real Basic Plus Hospital $750 ExcessBasic Plus$750$192.65$146.19$138.44$130.70Go to nib
55HBF Health LimitedBasic Hospital Plus $500/$1000 ExcessBasic Plus$500$193.19$146.60$138.83$131.06Go to HBF
56Defence Health Limited
restricted membership
Saver Hospital Bronze PlusBronze Plus$750$194.00$147.21$139.41$131.61Go to Defence
57Latrobe Health ServicesBronze Hospital 750 ExcessBronze$750$195.10$148.05$140.20$132.36Go to Latrobe
58Medibank Private LimitedMedibank Basic Accident and AmbulanceBasic$500$195.50$148.35$140.49$132.63Go to Medibank
59Westfund LimitedBasic Plus 500 HospitalBasic Plus$500$195.65$148.46$140.60$132.73Go to Westfund
60Medibank Private LimitedMedibank Bronze Plus ValueBronze Plus$750$196.10$148.80$140.92$133.04Go to Medibank
61Medibank Private LimitedMedibank Basic Plus SelectBasic Plus$500$196.80$149.34$141.42$133.51Go to Medibank
62see-u by HBFSaver Hospital $750 Excess (Bronze Plus)Bronze Plus$750$197.10$149.56$141.64$133.72Go to see-u
63HBF Health LimitedBasic Hospital Plus $500/$1000 Excess & Ambulance CareBasic Plus$500$197.54$149.90$141.95$134.02Go to HBF
64CBHS Health Fund Limited
restricted membership
Starter Basic Plus Hospital $750 ExcessBasic Plus$750$198.03$150.27$142.31$134.35Go to CBHS
65Phoenix Health Fund LimitedBronze Hospital 750Bronze$750$198.26$150.44$142.47$134.50Go to Phoenix
66HBF Health LimitedLite Bronze Hospital Plus $750/$1500 ExcessBronze Plus$750$198.40$150.55$142.57$134.60Go to HBF
67nib Health Funds Ltd.Basic Care Hospital Plus $500 ExcessBasic Plus$500$198.70$150.78$142.79$134.80Go to nib
68Phoenix Health Fund LimitedBronze Plus Essentials Hospital 750Bronze Plus$750$198.92$150.94$142.95$134.95Go to Phoenix
69Latrobe Health ServicesBasic Plus Active Hospital $750Basic Plus$750$200.25$151.95$143.90$135.85Go to Latrobe
70Latrobe Health ServicesBronze Hospital 500 ExcessBronze$500$200.40$152.07$144.01$135.96Go to Latrobe
71nib Health Funds Ltd.Basic Essential Hospital Plus $500 ExcessBasic Plus$500$200.51$152.15$144.09$136.03Go to nib
72nib Health Funds Ltd.Suncorp Health Insurance Basic Hospital Plus $500 ExcessBasic Plus$500$200.51$152.15$144.09$136.03Go to nib
73Defence Health Limited
restricted membership
Defence Hospital Bronze PlusBronze Plus$750$200.78$152.36$144.28$136.21Go to Defence
74GMHBA LimitedFrank Bronze HospitalBronze$750$200.85$152.41$144.33$136.26Go to GMHBA
75nib Health Funds Ltd.ING Basic Plus Hospital $500 ExcessBasic Plus$500$200.87$152.42$144.35$136.27Go to nib
76nib Health Funds Ltd.Qantas Basic Hospital $500 ExcessBasic Plus$500$201.23$152.70$144.61$136.52Go to nib
77nib Health Funds Ltd.AAMI Basic Hospital Plus $500 ExcessBasic Plus$500$201.32$152.77$144.67$136.58Go to nib
78Bupa HI Pty LtdBasic Plus Starter Hospital $500 ExcessBasic Plus$500$201.80$153.13$145.02$136.91Go to Bupa
79ahm health insurancebronze plus everydayBronze Plus$750$202.60$153.74$145.59$137.45Go to ahm
80HBF Health LimitedLite Bronze Hospital Plus $750/$1500 Excess & Ambulance CareBronze Plus$750$202.75$153.85$145.70$137.55Go to HBF
81HBF Health LimitedBasic Hospital Plus Elevate $750/$1500 ExcessBasic Plus$750$203.79$154.64$146.45$138.26Go to HBF
82HCFHCF HOSPITAL BRONZE $750 EXCESSBronze$750$203.84$154.68$146.48$138.29Go to HCF
83Latrobe Health ServicesBronze Plus Hospital 750 ExcessBronze Plus$750$204.10$154.88$146.67$138.47Go to Latrobe
84Bupa HI Pty LtdBronze Plus Simple Hospital $750 ExcessBronze Plus$750$204.40$155.10$146.88$138.67Go to Bupa
85Latrobe Health ServicesBasic Plus Top Hospital $750Basic Plus$750$204.63$155.28$147.05$138.83Go to Latrobe
86Bupa HI Pty LtdBronze Plus Select Hospital $750 ExcessBronze Plus$750$205.00$155.56$147.32$139.08Go to Bupa
87nib Health Funds Ltd.Real Basic Plus Hospital $500 ExcessBasic Plus$500$205.65$156.05$147.78$139.52Go to nib
88Phoenix Health Fund LimitedBronze Hospital 500Bronze$500$205.74$156.12$147.85$139.58Go to Phoenix
89AIA Health Insurance Pty LtdBasic Plus Hospital 750Basic Plus$750$205.75$156.13$147.85$139.58Go to AIA
90Defence Health Limited
restricted membership
Saver Hospital Bronze PlusBronze Plus$500$206.00$156.32$148.03$139.75Go to Defence
91nib Health Funds Ltd.Bronze Hospital $750 ExcessBronze$750$206.10$156.39$148.11$139.82Go to nib
92Defence Health Limited
restricted membership
Essentials Hospital Basic Plus 250Basic Plus$250$207.00$157.08$148.75$140.43Go to Defence
93HBF Health LimitedBasic Hospital Plus Elevate $750/$1500 Excess & Ambulance CareBasic Plus$750$208.14$157.94$149.57$141.21Go to HBF
94ahm health insurancebronze no fussBronze$500$208.30$158.06$149.69$141.31Go to ahm
95Health PartnersBasic Accident Hospital $750 ExcessBasic$750$209.65$159.09$150.66$142.23Go to Health
96GMHBA LimitedFrank Bronze Plus HospitalBronze Plus$750$210.00$159.35$150.91$142.47Go to GMHBA
97Westfund LimitedBronze 750 HospitalBronze$750$210.38$159.64$151.18$142.73Go to Westfund
98Australian Unity Health LimitedSimple Hospital (Basic Plus)Basic Plus$500$211.00$160.11$151.63$143.15Go to Australian
99Phoenix Health Fund LimitedBronze Plus Essentials Hospital 500Bronze Plus$500$211.22$160.28$151.78$143.30Go to Phoenix
100nib Health Funds Ltd.Bronze Protect Hospital Plus $750 ExcessBronze Plus$750$211.25$160.30$151.81$143.32Go to nib
101Defence Health Limited
restricted membership
Defence Hospital Bronze PlusBronze Plus$500$213.48$161.99$153.41$144.83Go to Defence
102HCFHCF HOSPITAL BRONZE PLUS $750 EXCESSBronze Plus$750$214.40$162.69$154.07$145.45Go to HCF
103Medibank Private LimitedMedibank Bronze Plus AdvancedBronze Plus$750$214.90$163.07$154.43$145.79Go to Medibank
104CBHS Health Fund Limited
restricted membership
Value Bronze Plus Hospital $750 ExcessBronze Plus$750$215.02$163.16$154.52$145.87Go to CBHS
105nib Health Funds Ltd.AAMI Bronze Hospital $750 ExcessBronze Plus$750$216.22$164.07$155.38$146.69Go to nib
106Medibank Private LimitedMedibank Basic Plus SelectBasic Plus$250$216.30$164.13$155.44$146.74Go to Medibank
107Defence Health Limited
restricted membership
Everyday Hospital Bronze Plus 750Bronze Plus$750$216.84$164.54$155.82$147.11Go to Defence
108Defence Health Limited
restricted membership
Advanced Hospital Bronze PlusBronze Plus$750$217.28$164.88$156.14$147.41Go to Defence
109Bupa HI Pty LtdBupa Employee Bronze Plus HospitalBronze Plus—$217.60$165.12$156.37$147.62Go to Bupa
110nib Health Funds Ltd.Suncorp Health Insurance Bronze Hospital $750 ExcessBronze Plus$750$217.66$165.16$156.41$147.66Go to nib
111nib Health Funds Ltd.Qantas Bronze Hospital Plus $750 ExcessBronze Plus$750$217.66$165.16$156.41$147.66Go to nib
112nib Health Funds Ltd.ING Bronze Plus Hospital $750 ExcessBronze Plus$750$217.66$165.16$156.41$147.66Go to nib
113nib Health Funds Ltd.Seniors Bronze Plus Hospital $750 ExcessBronze Plus$750$217.66$165.16$156.41$147.66Go to nib
114nib Health Funds Ltd.Apia Bronze Hospital Plus $750 ExcessBronze Plus$750$217.66$165.16$156.41$147.66Go to nib
115nib Health Funds Ltd.Real Bronze Plus Hospital $750 ExcessBronze Plus$750$217.93$165.37$156.61$147.85Go to nib
116Teachers Health
restricted membership
Basic Hospital (Basic Plus)Basic Plus$300$218.18$165.56$156.79$148.02Go to Teachers
117Teachers Health
restricted membership
Basic Hospital (Basic Plus)Basic Plus$300$218.18$165.56$156.79$148.02Go to Teachers
118Teachers Health
restricted membership
Basic Hospital (Basic Plus)Basic Plus$300$218.18$165.56$156.79$148.02Go to Teachers
119Westfund LimitedBronze 500 HospitalBronze$500$218.18$165.56$156.79$148.02Go to Westfund
120Bupa HI Pty LtdBronze Hospital $500 ExcessBronze$500$218.30$165.65$156.87$148.10Go to Bupa
121AIA Health Insurance Pty LtdBronze Hospital 750Bronze$750$219.51$166.57$157.74$148.92Go to AIA
122nib Health Funds Ltd.Bronze Hospital $500 ExcessBronze$500$220.19$167.08$158.23$149.38Go to nib
123nib Health Funds Ltd.Bronze Hospital Plus $750 ExcessBronze Plus$750$220.64$167.43$158.55$149.69Go to nib
124Health Insurance Fund of Australia LimitedBronze Hospital $750/$1500Bronze$750$221.20$167.85$158.96$150.07Go to Health
125Australian Unity Health LimitedCore Hospital (Bronze Plus)Bronze Plus$750$222.70$168.99$160.03$151.08Go to Australian
126ahm health insurancebronze plus everydayBronze Plus$500$222.80$169.07$160.11$151.15Go to ahm
127HCFHCF HOSPITAL BRONZE $500 EXCESSBronze$500$224.00$169.98$160.97$151.97Go to HCF
128Medibank Private LimitedMedibank Bronze Plus SupportBronze Plus$750$224.30$170.20$161.18$152.17Go to Medibank
129Health Insurance Fund of Australia LimitedBronze Plus Hospital $750/$1500Bronze Plus$750$227.10$172.33$163.20$154.07Go to Health
130GMHBA LimitedGMHBA Bronze Plus Core HospitalBronze Plus$750$227.30$172.48$163.34$154.20Go to GMHBA
131HBF Health LimitedLite Bronze Hospital Plus $500/$1000 ExcessBronze Plus$500$228.21$173.17$163.99$154.82Go to HBF
132Bupa HI Pty LtdBronze Plus Advantage Hospital $750 ExcessBronze Plus$750$229.40$174.07$164.85$155.63Go to Bupa
133GMHBA LimitedGMHBA Bronze Plus Advantage Hospital $750Bronze Plus$750$229.60$174.23$164.99$155.77Go to GMHBA
134Health PartnersBasic Hospital Plus $750 ExcessBasic Plus$750$229.75$174.34$165.10$155.87Go to Health
135Medibank Private LimitedMedibank Bronze Plus ValueBronze Plus$500$229.90$174.45$165.21$155.97Go to Medibank
136nib Health Funds Ltd.Bronze Protect Hospital Plus $500 ExcessBronze Plus$500$230.03$174.55$165.30$156.06Go to nib
137HBF Health LimitedBasic Hospital Plus Elevate $500/$1000 ExcessBasic Plus$500$230.30$174.76$165.50$156.24Go to HBF
138Health Insurance Fund of Australia LimitedBronze Hospital $500/$1000Bronze$500$230.40$174.83$165.57$156.31Go to Health
139Defence Health Limited
restricted membership
Advanced Hospital Bronze PlusBronze Plus$500$230.72$175.07$165.80$156.53Go to Defence
140HBF Health LimitedLite Bronze Hospital Plus $500/$1000 Excess & Ambulance CareBronze Plus$500$232.56$176.47$167.12$157.77Go to HBF
141ahm health insurancebronze plus loadedBronze Plus$750$233.70$177.34$167.94$158.55Go to ahm
142CBHS Health Fund Limited
restricted membership
Value Bronze Plus Hospital $500 ExcessBronze Plus$500$234.09$177.63$168.22$158.81Go to CBHS
143Latrobe Health ServicesBronze Plus Hospital 500 ExcessBronze Plus$500$234.31$177.80$168.38$158.96Go to Latrobe
144Bupa HI Pty LtdBronze Plus Simple Hospital $500 ExcessBronze Plus$500$234.40$177.87$168.44$159.02Go to Bupa
145AIA Health Insurance Pty LtdBronze Hospital 500Bronze$500$234.63$178.04$168.61$159.18Go to AIA
146HBF Health LimitedBasic Hospital Plus Elevate $500/$1000 Excess & Ambulance CareBasic Plus$500$234.65$178.06$168.62$159.19Go to HBF
147Defence Health Limited
restricted membership
Everyday Hospital Bronze Plus 500Bronze Plus$500$235.10$178.40$168.95$159.50Go to Defence
148Latrobe Health ServicesPartner Basic PlusBasic Plus$750$235.88$178.99$169.51$160.03Go to Latrobe
149Bupa HI Pty LtdBronze Plus Select Hospital $500 ExcessBronze Plus$500$236.90$179.76$170.24$160.72Go to Bupa
150HBF Health LimitedBronze Hospital Plus $750/$1500 ExcessBronze Plus$750$236.99$179.83$170.30$160.78Go to HBF
151AIA Health Insurance Pty LtdBronze Plus Essential Hospital 750Bronze Plus$750$237.49$180.21$170.66$161.12Go to AIA
152Peoplecare Health InsuranceBasic Plus Hospital $750Basic Plus$750$238.15$180.71$171.14$161.57Go to Peoplecare
153Health Insurance Fund of Australia LimitedBronze Plus Hospital $500/$1000Bronze Plus$500$238.60$181.05$171.46$161.87Go to Health
154Health PartnersBasic Hospital Plus $500 ExcessBasic Plus$500$239.72$181.90$172.27$162.63Go to Health
155RT Health - a division of The Hospitals Contribution FundBronze Plus Essential Hospital $700 ExcessBronze Plus$700$240.94$182.83$173.14$163.46Go to RT
156HBF Health LimitedBronze Hospital Plus $750/$1500 Excess & Ambulance CareBronze Plus$750$241.34$183.13$173.43$163.73Go to HBF
157see-u by HBFSmart Hospital $750 Excess (Bronze Plus)Bronze Plus$750$241.40$183.18$173.47$163.77Go to see-u
158nib Health Funds Ltd.Basic Essential Hospital Plus $250 ExcessBasic Plus$250$242.94$184.35$174.58$164.82Go to nib
159Westfund LimitedBronze Plus 750 HospitalBronze Plus$750$242.97$184.37$174.60$164.84Go to Westfund
160Medibank Private LimitedMedibank Bronze Plus AdvancedBronze Plus$500$243.00$184.39$174.62$164.86Go to Medibank
161Australian Unity Health LimitedCore Hospital (Bronze Plus)Bronze Plus$500$244.40$185.46$175.63$165.81Go to Australian
162nib Health Funds Ltd.AAMI Bronze Hospital $500 ExcessBronze Plus$500$245.19$186.06$176.20$166.34Go to nib
163HCFHCF HOSPITAL BRONZE PLUS $500 EXCESSBronze Plus$500$245.26$186.11$176.25$166.39Go to HCF
164Peoplecare Health InsuranceBasic Plus Hospital $500Basic Plus$500$245.36$186.18$176.32$166.46Go to Peoplecare
165nib Health Funds Ltd.Qantas Bronze Hospital Plus $500 ExcessBronze Plus$500$245.56$186.34$176.46$166.59Go to nib
166nib Health Funds Ltd.Apia Bronze Hospital Plus $500 ExcessBronze Plus$500$245.56$186.34$176.46$166.59Go to nib
167ahm health insurancebronze plus supportBronze Plus$750$245.60$186.37$176.49$166.62Go to ahm
168HCiBronze Plus Hospital $750/$1500 excessBronze Plus$750$246.20$186.82$176.92$167.03Go to HCi
169AIA Health Insurance Pty LtdBronze Plus Essential Hospital 500Bronze Plus$500$247.25$187.62$177.68$167.74Go to AIA
170nib Health Funds Ltd.Suncorp Health Insurance Bronze Hospital $500 ExcessBronze Plus$500$248.08$188.25$178.27$168.30Go to nib
171nib Health Funds Ltd.Seniors Bronze Plus Hospital $500 ExcessBronze Plus$500$248.26$188.38$178.40$168.42Go to nib
172nib Health Funds Ltd.Bronze Hospital Plus $500 ExcessBronze Plus$500$248.26$188.38$178.40$168.42Go to nib
173nib Health Funds Ltd.ING Bronze Plus Hospital $500 ExcessBronze Plus$500$248.44$188.52$178.53$168.55Go to nib
174nib Health Funds Ltd.Real Bronze Plus Hospital $500 ExcessBronze Plus$500$249.35$189.21$179.19$169.16Go to nib
175Health Insurance Fund of Australia LimitedBronze Hospital $200/$400Bronze$200$255.80$194.11$183.82$173.54Go to Health
176Medibank Private LimitedMedibank Bronze Plus SupportBronze Plus$500$256.00$194.26$183.96$173.68Go to Medibank
177ahm health insurancebronze plus loadedBronze Plus$500$257.10$195.09$184.75$174.42Go to ahm
178ahm health insurancebronze plus supportBronze Plus$500$258.40$196.08$185.69$175.30Go to ahm
179Doctors' Health Fund
restricted membership
Smart Starter Bronze Plus $750 ExcessBronze Plus$750$261.41$198.36$187.85$177.35Go to Doctors'
180HCFHCF HOSPITAL STANDARD SILVER PLUSSilver Plus$750$262.56$199.24$188.68$178.13Go to HCF
181St LukesAstute Bronze Plus Hospital 500Bronze Plus$500$263.60$200.02$189.43$178.83Go to St
182Defence Health Limited
restricted membership
Public Hospital Basic PlusBasic Plus—$263.82$200.19$189.58$178.98Go to Defence
183Defence Health Limited
restricted membership
Defence Hospital Silver PlusSilver Plus$750$264.68$200.84$190.20$179.56Go to Defence
184RT Health - a division of The Hospitals Contribution FundBronze Plus Essential Hospital $350 ExcessBronze Plus$350$265.84$201.72$191.04$180.35Go to RT
185Queensland Country Health FundCore Hospital (Basic+) $750 excessBasic Plus$750$266.38$202.13$191.42$180.72Go to Queensland
186Bupa HI Pty LtdBronze Plus Advantage Hospital $500 ExcessBronze Plus$500$267.50$202.98$192.23$181.48Go to Bupa
187CBHS Health Fund Limited
restricted membership
Everyday Silver Plus Hospital $750 ExcessSilver Plus$750$267.54$203.01$192.26$181.50Go to CBHS
188St LukesBronze Plus Hospital 750Bronze Plus$750$268.20$203.52$192.73$181.95Go to St
189Australian Unity Health LimitedStandard Hospital (Bronze Plus)Bronze Plus$750$269.10$204.20$193.38$182.56Go to Australian
190RT Health - a division of The Hospitals Contribution FundSilver Plus Standard Hospital $750 ExcessSilver Plus$750$270.84$205.52$194.63$183.74Go to RT
191TUH, part of the Teachers Health Group
restricted membership
Bronze+ Hospital $750 excessBronze Plus$750$272.26$206.60$195.65$184.71Go to TUH,
192TUH, part of the Teachers Health Group
restricted membership
Union Health Bronze+ Hospital $750 excessBronze Plus$750$272.26$206.60$195.65$184.71Go to TUH,
193see-u by HBFSecure Hospital $750 Excess (Silver)Silver$750$272.32$206.64$195.69$184.75Go to see-u
194Westfund LimitedBronze Plus 500 HospitalBronze Plus$500$272.78$206.99$196.02$185.06Go to Westfund
195HBF Health LimitedEssential Silver Hospital $750/$1500 ExcessSilver Plus$750$272.88$207.07$196.09$185.13Go to HBF
196ahm health insuranceessentials silver plusSilver Plus$750$274.30$208.14$197.11$186.09Go to ahm
197Phoenix Health Fund LimitedSilver Plus Support Hospital 750Silver Plus$750$274.50$208.30$197.26$186.23Go to Phoenix
198HBF Health LimitedBronze Hospital Plus $500/$1000 ExcessBronze Plus$500$274.71$208.46$197.41$186.37Go to HBF
199Queensland Country Health FundBudget Hospital (Basic+) $750 excessBasic Plus$750$275.64$209.16$198.08$187.00Go to Queensland
200Bupa HI Pty LtdSilver Plus Classic Hospital $750 ExcessSilver Plus$750$276.00$209.43$198.34$187.24Go to Bupa
201Health PartnersBronze Hospital Plus $750 ExcessBronze Plus$750$276.03$209.46$198.36$187.26Go to Health
202GMHBA LimitedFrank Bronze Plus Max HospitalBronze Plus$750$276.05$209.47$198.37$187.28Go to GMHBA
203Teachers Health
restricted membership
Mid Hospital 500 (Basic Plus)Basic Plus$500$276.36$209.71$198.60$187.49Go to Teachers
204Teachers Health
restricted membership
Mid Hospital 500 (Basic Plus)Basic Plus$500$276.36$209.71$198.60$187.49Go to Teachers
205Teachers Health
restricted membership
Mid Hospital 500 (Basic Plus)Basic Plus$500$276.36$209.71$198.60$187.49Go to Teachers
206AIA Health Insurance Pty LtdSilver Hospital 750Silver$750$276.51$209.82$198.70$187.59Go to AIA
207HBF Health LimitedEssential Silver Hospital $750/$1500 Excess & Ambulance CareSilver Plus$750$277.23$210.37$199.22$188.08Go to HBF
208ACA Health Benefits Fund
restricted membership
Bronze Essentials Hospital 750 WABronze$750$277.48$210.56$199.40$188.25Go to ACA
209HBF Health LimitedBronze Hospital Plus $500/$1000 Excess & Ambulance CareBronze Plus$500$279.06$211.76$200.54$189.32Go to HBF
210Latrobe Health ServicesBronze Plus Hospital 250 ExcessBronze Plus$250$280.16$212.59$201.33$190.07Go to Latrobe
211Peoplecare Health InsuranceBronze Plus Hospital $750Bronze Plus$750$281.42$213.55$202.23$190.92Go to Peoplecare
212Health Insurance Fund of Australia LimitedBronze Plus Hospital $200/$400Bronze Plus$200$282.10$214.06$202.72$191.38Go to Health
213Doctors' Health Fund
restricted membership
Smart Starter Bronze Plus $500 ExcessBronze Plus$500$282.88$214.66$203.28$191.91Go to Doctors'
214Medibank Private LimitedEssentials Silver Plus HospitalSilver Plus$500$283.10$214.82$203.44$192.06Go to Medibank
215Queensland Country Health FundCore Hospital (Basic+) $500 excessBasic Plus$500$283.65$215.24$203.83$192.43Go to Queensland
216Navy Health Ltd
restricted membership
Saver Bronze+ HospitalBronze Plus$500$283.82$215.37$203.96$192.55Go to Navy
217nib Health Funds Ltd.Silver Secure Hospital Plus $750 ExcessSilver Plus$750$284.28$215.72$204.29$192.86Go to nib
218Medibank Private LimitedMedibank Silver Plus CoreSilver Plus$750$285.30$216.49$205.02$193.55Go to Medibank
219Medibank Private LimitedMedibank Bronze Plus ValueBronze Plus$250$286.10$217.10$205.59$194.10Go to Medibank
220Bupa HI Pty LtdSilver Plus Essential Hospital $750 ExcessSilver Plus$750$287.10$217.86$206.31$194.77Go to Bupa
221Bupa HI Pty LtdBronze Plus Simple Hospital $250 ExcessBronze Plus$250$287.70$218.31$206.74$195.18Go to Bupa
222TUH, part of the Teachers Health Group
restricted membership
Union Health Bronze+ Hospital $500 excessBronze Plus$500$287.70$218.31$206.74$195.18Go to TUH,
223TUH, part of the Teachers Health Group
restricted membership
Bronze+ Hospital $500 excessBronze Plus$500$287.70$218.31$206.74$195.18Go to TUH,
224nib Health Funds Ltd.Silver Executive Hospital PlusSilver Plus$750$288.25$218.73$207.14$195.55Go to nib
225Latrobe Health ServicesEssential Silver Plus Hospital 750 ExcessSilver Plus$750$288.83$219.17$207.56$195.95Go to Latrobe
226Teachers Health
restricted membership
Mid Classic 500 (Silver Plus)Silver Plus$500$289.32$219.54$207.91$196.28Go to Teachers
227Teachers Health
restricted membership
Mid Classic 500 (Silver Plus)Silver Plus$500$289.32$219.54$207.91$196.28Go to Teachers
228Teachers Health
restricted membership
Mid Classic 500 (Silver Plus)Silver Plus$500$289.32$219.54$207.91$196.28Go to Teachers
229Medibank Private LimitedEssentials Silver Plus HospitalSilver Plus$250$290.70$220.59$208.90$197.22Go to Medibank
230AIA Health Insurance Pty LtdSilver Plus Hospital 750Silver Plus$750$291.65$221.31$209.58$197.86Go to AIA
231nib Health Funds Ltd.Qantas Silver Plus Standard $750 ExcessSilver Plus$750$291.72$221.36$209.63$197.91Go to nib
232Westfund LimitedSilver Plus Everyday 750 HospitalSilver Plus$750$291.89$221.49$209.76$198.02Go to Westfund
233Defence Health Limited
restricted membership
Core Hospital Silver Plus 750Silver Plus$750$292.16$221.70$209.95$198.21Go to Defence
234GMHBA LimitedFrank Silver HospitalSilver$750$293.05$222.37$210.59$198.81Go to GMHBA
235St LukesBronze Plus Hospital 500Bronze Plus$500$293.40$222.64$210.84$199.05Go to St
236nib Health Funds Ltd.Silver HospitalSilver$750$293.76$222.91$211.10$199.29Go to nib
237Health PartnersBronze Hospital Plus $500 ExcessBronze Plus$500$294.41$223.40$211.57$199.73Go to Health
238Australian Unity Health LimitedStandard Hospital (Bronze Plus)Bronze Plus$500$294.70$223.62$211.77$199.93Go to Australian
239Health Insurance Fund of Australia LimitedSilver Hospital $750/$1500Silver Plus$750$294.90$223.78$211.92$200.07Go to Health
240HCFHCF HOSPITAL BRONZE PLUS $250 EXCESSBronze Plus$250$295.18$223.99$212.12$200.26Go to HCF
241Phoenix Health Fund LimitedSilver Plus Support Hospital 500Silver Plus$500$295.62$224.32$212.44$200.55Go to Phoenix
242nib Health Funds Ltd.Apia Silver Hospital $750 ExcessSilver$750$295.74$224.41$212.52$200.64Go to nib
243nib Health Funds Ltd.AAMI Silver Everyday Hospital Plus $750 ExcessSilver Plus$750$296.19$224.75$212.85$200.94Go to nib
244CBHS Health Fund Limited
restricted membership
Everyday Silver Plus Hospital $500 ExcessSilver Plus$500$296.49$224.98$213.06$201.14Go to CBHS
245nib Health Funds Ltd.Suncorp Health Insurance Silver Everyday Hospital Plus $750 ExcessSilver Plus$750$296.90$225.29$213.36$201.42Go to nib
246HBF Health LimitedSilver Hospital $750/$1500 ExcessSilver Plus$750$297.39$225.67$213.71$201.76Go to HBF
247Defence Health Limited
restricted membership
Defence Hospital Silver PlusSilver Plus$500$297.44$225.70$213.74$201.79Go to Defence
248nib Health Funds Ltd.Real Silver Hospital $750 ExcessSilver$750$297.44$225.70$213.74$201.79Go to nib
249nib Health Funds Ltd.Seniors Silver Hospital $750 ExcessSilver$750$297.65$225.86$213.89$201.93Go to nib
250nib Health Funds Ltd.ING Silver Hospital $750 ExcessSilver$750$298.73$226.68$214.67$202.66Go to nib
251ACA Health Benefits Fund
restricted membership
Bronze Essentials Hospital 500 WABronze$500$298.92$226.83$214.81$202.79Go to ACA
252HCFHCF HOSPITAL STANDARD SILVER PLUSSilver Plus$500$298.92$226.83$214.81$202.79Go to HCF
253GMHBA LimitedGMHBA Silver Plus Hospital $750Silver Plus$750$299.15$227.00$214.97$202.95Go to GMHBA

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 Western Australia for a couple?
Silver Plus: HCF's HCF HOSPITAL STANDARD SILVER PLUS at $262.56 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. $157.72 a month is the figure see-u by HBF published to the regulator for a couple in Western 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 $157.72 a month published comes to under 65 about $119.68 a month, 65 to 69 about $113.34 a month, 70 and over about $107.00 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 Western 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