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Hospital + extras · Gold · Couple · New South Wales · release 2026-10-01 · ranked 2026-11-09

Cheapest Gold hospital and extras cover in New South Wales for a couple: $580.62 a month, release 2026-10-01, ranked 2026-11-09

In New South Wales, the cheapest of 88 published open Gold hospital-and-extras policies for a couple from 14 insurers (median $939.38 a month) is Defence Health Limited's ADF Total Package Gold 500 at $580.62 a month before the government rebate, or about $440.59 after the 24.118% rebate for under-65s on the base income tier (up to $210,000, 1 July 2026 to 31 March 2027), with a $500 excess per person, as published to the Private Health Insurance Ombudsman in its monthly open-data release dated 2026-10-01, read and ranked by OpenStream on 2026-11-09.

Go to Defence Health LimitedEvery tier in New South Wales

All 88 are below with 9 per-person excess options from $100 to $750, 19 with no excess, and each insurer's own page; the same rebate brings the cheapest to about $417.24 at 65 to 69 and $393.90 from 70, and the table carries every age band at every income tier; Lifetime Health Cover loading adds 2% for each year over 30 where hospital cover starts after the 1 July following the 31st birthday, up to 70%.

Go straight to it

The cheapest Gold hospital-and-extras policy for a couple in New South Wales and the next two insurers below it, in the published order, each to its own site. 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.

  1. Cheapest · our recommendation
    Defence Health Limited ADF Total Package Gold 500
    Gold hospital and extras for a couple, before the rebate, release 2026-10-01 · price read 2026-11-09
    $580.62/mo
    Go to Defence Health Limited
  2. Alternative · 3rd cheapest
    St Lukes Pasplan Gold with excess
    Gold hospital and extras for a couple, before the rebate, release 2026-10-01 · price read 2026-11-09
    $641.60/mo
    Go to St Lukes
  3. Alternative · 5th cheapest
    Navy Health Ltd Premium Gold Hospital 750 & Budget Extras
    Gold hospital and extras for a couple, before the rebate, release 2026-10-01 · price read 2026-11-09
    $675.24/mo
    Go to Navy Health Ltd

The answers above this page

Who is covered

The premium changes with the household; the same policy appears once per scale. Monthly premiums are before the Australian Government rebate and any Lifetime Health Cover loading, as the insurer published them.

88 policies

The excess, waiting periods and what is restricted differ: open the policy before comparing on price alone. Pregnancy, psychiatric and joint replacements most often decide a tier choice; the full list of 38 categories is on each policy's page.

Questions for a couple in New South Wales, answered from the same release

The cheapest of the 88 after the government rebate

$580.62 a month, the published premium for Defence Health Limited's ADF Total Package Gold 500, less the share the government pays, by the age of the oldest person on the policy and the household's income tier (PrivateHealth.gov.au, 1 July 2026 to 31 March 2027). Any Lifetime Health Cover loading is added on top; the chips above apply the same arithmetic to every row.

Oldest personUp to $210,000$210,001 to $246,000$246,001 to $328,000$328,001 and over
Under 65$440.59 · 24.118% off$487.26 · 16.079% off$533.95 · 8.038% off$580.62 · 0% off
65 to 69$417.24 · 28.139% off$463.93 · 20.098% off$510.61 · 12.058% off$580.62 · 0% off
70 and over$393.90 · 32.158% off$440.59 · 24.118% off$487.26 · 16.079% off$580.62 · 0% off
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