$750 excess · pregnancy no · psychiatric restricted · joints no
$166.33/mo
$1,995.96/yr before rebate
Hospital + extras · Bronze Plus · Single · New South Wales · release 2026-10-01 · ranked 2026-11-09
St Lukes Astute Bronze Plus Hospital 500 and Astute Extras Protect
$268.40 a month before the government rebate for a single in New South Wales: Bronze Plus hospital-and-extras cover with a $500 excess per person, from the Private Health Insurance Ombudsman's release dated 2026-10-01, ranked 2026-11-09.
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St Lukes's Astute Bronze Plus Hospital 500 and Astute Extras Protect is hospital + extras at the Bronze Plus tier for a single in New South Wales, ranked 112 of 128 open Bronze Plus hospital-and-extras policies for that household in the state (111 cheaper and 16 dearer) with 28 of 38 clinical categories covered and 1 restricted, published at $268.40 a month before the government rebate, or about $203.67 after the 24.118% rebate for under-65s on the base income tier (up to $105,000, 1 July 2026 to 31 March 2027), with a $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.
At 65 to 69 the same rebate brings it to about $192.87 a month and from 70 to $182.09; every income tier is in the table below, and the 128 Bronze Plus policies for a single are ranked on the tier page. 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%.
111 cheaper Bronze Plus hospital-and-extras policies in New South Wales · Every St Lukes tier, by state · Regulator's statement (PHIS)
The answers above this page
After the government rebate
$268.40 a month 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; singles' thresholds). Claim it as a lower premium through the insurer or at tax time; any Lifetime Health Cover loading is added on top.
| Oldest person | Up to $105,000 | $105,001 to $123,000 | $123,001 to $164,000 | $164,001 and over |
|---|---|---|---|---|
| Under 65 | $203.67 · 24.118% off | $225.24 · 16.079% off | $246.83 · 8.038% off | $268.40 · 0% off |
| 65 to 69 | $192.87 · 28.139% off | $214.46 · 20.098% off | $236.04 · 12.058% off | $268.40 · 0% off |
| 70 and over | $182.09 · 32.158% off | $203.67 · 24.118% off | $225.24 · 16.079% off | $268.40 · 0% off |
The record, as published
Per month, before the Australian Government rebate and any Lifetime Health Cover loading.
| Premium per month, before rebate | $268.40 |
|---|---|
| Hospital component | $160.10 |
| Excess per person / per policy | $500 / $500 |
| Tier | Bronze Plus |
| Who is covered | Single |
| Pregnancy and birth | Not covered |
| Hospital psychiatric | Restricted |
| Joint replacements | Not covered |
| Cataracts | Not covered |
| Clinical categories | 28 covered, 1 restricted, 9 excluded of 38 |
| Waiting: pre-existing / pregnancy | 12 / 12 months |
| Ambulance | None |
| Age-based discount | no |
| Medicare Levy Surcharge exempt | yes |
| Product code · issued | J9B/NAQN10 · 2026-04-01 |
Hospital clinical categories
The regulator's 38 categories. Covered means the policy pays as a private patient; restricted means limited benefits as a private patient in a public hospital only.
- Assisted reproductive servicesNot covered
- Back, neck and spineNot covered
- BloodCovered
- Bone, joint and muscleCovered
- Brain and nervous systemCovered
- Breast surgery (medically necessary)Covered
- CataractsNot covered
- Chemotherapy, radiotherapy and immunotherapy for cancerCovered
- Dental surgeryCovered
- Diabetes management (excluding insulin pumps)Covered
- Dialysis for chronic kidney failureNot covered
- Digestive systemCovered
- Ear, nose and throatCovered
- Eye (not cataracts)Covered
- Gastrointestinal endoscopyCovered
- GynaecologyCovered
- Heart and vascular systemNot covered
- Hernia and appendixCovered
- Hospital psychiatric servicesRestricted
- Implantation of hearing devicesCovered
- Insulin pumpsCovered
- Joint reconstructionsCovered
- Joint replacementsNot covered
- Kidney and bladderCovered
- Lung and chestCovered
- Male reproductive systemCovered
- Miscarriage and termination of pregnancyCovered
- Pain managementCovered
- Pain management with deviceCovered
- Palliative careCovered
- Plastic and reconstructive surgery (medically necessary)Covered
- Podiatric surgery (by a registered podiatric surgeon)Not covered
- Pregnancy and birthNot covered
- RehabilitationCovered
- SkinCovered
- Sleep studiesCovered
- Tonsils, adenoids and grommetsCovered
- Weight loss surgeryNot covered
Extras services
The regulator's 27 general treatment services, with the waiting period in months where the policy covers the service. Benefit limits are on the insurer's own statement.
- General dentalCovered · 2 mo wait
- Major dentalCovered · 12 mo wait
- EndodonticCovered · 12 mo wait
- OrthodonticCovered · 12 mo wait
- OpticalCovered · 6 mo wait
- Non-PBS pharmaceuticalsCovered · 2 mo wait
- PhysiotherapyCovered · 2 mo wait
- ChiropracticCovered · 2 mo wait
- PodiatryCovered · 2 mo wait
- PsychologyCovered · 2 mo wait
- AcupunctureCovered · 2 mo wait
- Remedial massageCovered · 2 mo wait
- Hearing aidsCovered · 36 mo wait
- Glucose monitorCovered · 12 mo wait
- AudiologyCovered · 2 mo wait
- Antenatal and postnatalCovered · 2 mo wait
- Chinese herbal medicineCovered · 2 mo wait
- DieteticsCovered · 2 mo wait
- Exercise physiologyCovered · 2 mo wait
- OrthopticsCovered · 2 mo wait
- Health management programsNot covered
- Home nursingCovered · 2 mo wait
- Occupational therapyCovered · 2 mo wait
- OrthoticsCovered · 2 mo wait
- OsteopathyCovered · 2 mo wait
- Speech therapyCovered · 2 mo wait
- VaccinationsNot covered
Against the other 127 Bronze Plus policies for a single in NSW
Same tier, same household, same state. Cheapest first; each insurer's own page is the button.
1 Go to Phoenix Health Fund Limited2 
$750 excess · pregnancy no · psychiatric restricted · joints noGo to HCi$171.10/mo$2,053.20/yr before rebate3 
$750 excess · pregnancy no · psychiatric restricted · joints noGo to AIA Health Insurance Pty Ltd$173.75/mo$2,085.00/yr before rebate4 $500 excess · pregnancy no · psychiatric restricted · joints noGo to Phoenix Health Fund Limited$174.12/mo$2,089.44/yr before rebate5 
$750 excess · pregnancy no · psychiatric restricted · joints noGo to Peoplecare Health Insurance$176.30/mo$2,115.60/yr before rebate6 $500 excess · pregnancy no · psychiatric restricted · joints noGo to AIA Health Insurance Pty Ltd$179.16/mo$2,149.92/yr before rebate7 $750 excess · pregnancy no · psychiatric restricted · joints noGo to AIA Health Insurance Pty Ltd$179.38/mo$2,152.56/yr before rebate8 
$750 excess · pregnancy no · psychiatric restricted · joints noGo to Health Partners$182.70/mo$2,192.40/yr before rebate
Questions for a single in New South Wales, answered from the same release
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