$750 excess · pregnancy no · psychiatric restricted · joints no
$205.98/mo
$2,471.76/yr before rebate
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Hospital only · Basic · Couple · Queensland · release 2026-10-01 · ranked 2026-11-08
Cheapest Basic hospital cover in Queensland for a couple: $205.98 a month, release 2026-10-01, ranked 2026-11-08
In Queensland, the cheapest of 20 published open Basic hospital policies for a couple from 11 insurers (median $224.80 a month) is see-u by HBF's Starter Hospital $750 Excess with Daily Co-Pay (Basic) at $205.98 a month before the government rebate, or about $156.30 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 2026-11-08.
All 20 are below with 2 per-person excess options from $500 to $750, and each insurer's own page; the same rebate brings the cheapest to about $148.02 at 65 to 69 and $139.74 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 Basic hospital policy for a couple in Queensland 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 2026-11-08.
- Cheapest · our recommendationBasic hospital for a couple, before the rebate, release 2026-10-01 · price read 2026-11-08$205.98/mo
Alternative · 2nd cheapestBasic hospital for a couple, before the rebate, release 2026-10-01 · price read 2026-11-08$211.00/mo
Alternative · 3rd cheapestBasic hospital for a couple, before the rebate, release 2026-10-01 · price read 2026-11-08$212.30/mo
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.
20 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.
1 Go to see-u by HBF2 $750 excess · pregnancy no · psychiatric restricted · joints noGo to GMHBA Limited$211.00/mo$2,532.00/yr before rebate3 $750 excess · pregnancy no · psychiatric restricted · joints noGo to ahm health insurance$212.30/mo$2,547.60/yr before rebate4 $750 excess · pregnancy no · psychiatric restricted · joints noGo to see-u by HBF$214.84/mo$2,578.08/yr before rebate5 $750 excess · pregnancy no · psychiatric restricted · joints noGo to Phoenix Health Fund Limited$215.38/mo$2,584.56/yr before rebate6 
$750 excess · pregnancy no · psychiatric restricted · joints noGo to HBF Health Limited$216.39/mo$2,596.68/yr before rebate7 $750 excess · pregnancy no · psychiatric restricted · joints noGo to ahm health insurance$218.50/mo$2,622.00/yr before rebate8 
$750 excess · pregnancy no · psychiatric restricted · joints noGo to HCF$218.90/mo$2,626.80/yr before rebate9 $750 excess · pregnancy no · psychiatric restricted · joints noGo to HCF$219.66/mo$2,635.92/yr before rebate10 $750 excess · pregnancy no · psychiatric restricted · joints noGo to GMHBA Limited$224.60/mo$2,695.20/yr before rebate11 
$750 excess · pregnancy no · psychiatric restricted · joints noGo to Bupa HI Pty Ltd$224.80/mo$2,697.60/yr before rebate12 
$750 excess · pregnancy no · psychiatric restricted · joints noGo to nib Health Funds Ltd.$225.24/mo$2,702.88/yr before rebate13 
$750 excess · pregnancy no · psychiatric restricted · joints noGo to Medibank Private Limited$226.60/mo$2,719.20/yr before rebate14 $500 excess · pregnancy no · psychiatric restricted · joints noGo to ahm health insurance$231.60/mo$2,779.20/yr before rebate15 $500 excess · pregnancy no · psychiatric restricted · joints noGo to nib Health Funds Ltd.$236.62/mo$2,839.44/yr before rebate16 $500 excess · pregnancy no · psychiatric restricted · joints noGo to Bupa HI Pty Ltd$238.30/mo$2,859.60/yr before rebate17 
$750 excess · pregnancy no · psychiatric restricted · joints noGo to AIA Health Insurance Pty Ltd$244.29/mo$2,931.48/yr before rebate18 
$750 excess · pregnancy no · psychiatric restricted · joints noGo to Health Partners$246.83/mo$2,961.96/yr before rebate19 $500 excess · pregnancy no · psychiatric restricted · joints noGo to Medibank Private Limited$256.70/mo$3,080.40/yr before rebate20 $500 excess · pregnancy no · psychiatric restricted · joints noGo to AIA Health Insurance Pty Ltd$258.66/mo$3,103.92/yr before rebate
Questions for a couple in Queensland, answered from the same release
The cheapest of the 20 after the government rebate
$205.98 a month, the published premium for see-u by HBF's Starter Hospital $750 Excess with Daily Co-Pay (Basic), 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 person | Up to $210,000 | $210,001 to $246,000 | $246,001 to $328,000 | $328,001 and over |
|---|---|---|---|---|
| Under 65 | $156.30 · 24.118% off | $172.86 · 16.079% off | $189.42 · 8.038% off | $205.98 · 0% off |
| 65 to 69 | $148.02 · 28.139% off | $164.58 · 20.098% off | $181.14 · 12.058% off | $205.98 · 0% off |
| 70 and over | $139.74 · 32.158% off | $156.30 · 24.118% off | $172.86 · 16.079% off | $205.98 · 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