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Private health insurance · 79,604 policies · 34 insurers · release 2026-10-01 · ranked 2026-11-08
Gold hospital and extras cover in New South Wales for a single, cheapest first
In New South Wales, the cheapest of 93 published open Gold hospital and extras policies for a single from 15 insurers (median $485.60 a month) is GU Health's Complete Hospital - Gold $750 Excess & Ancillary Benefits (Single) at $280.00 a month before the government rebate, or about $212.47 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 $750 excess per policy, 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.
The answers above this page
The 1 April premium round: the average rise and each insurer's
Every open policy, filtered
Premiums are the ones each insurer publishes to the Private Health Insurance Ombudsman, per month, before the Australian Government rebate and any Lifetime Health Cover loading. Pick the state, the cover, the tier, who is covered and what must be covered; the table is cheapest first. Each filtered view has its own address.
Filters · New South Wales · Gold · Single
All 38 clinical categories ▸▾
All 27 services ▸▾
Cheapest Gold hospital + extras policy for a single in New South Wales
93 policies compared · release 01-Oct-2026vs the $471.92 average across 93 policies
Gold hospital + extras for a single in New South Wales
premium per month before the government rebate · regulator's release 01-Oct-2026| # | Insurer | Policy | Excess | Pregnancy | Psychiatric | Joints | Extras | Premium / mo | Per year | |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 |  GU Health | Complete Hospital - Gold $750 Excess & Ancillary Benefits (Single) | $750 /policy | yes | yes | yes | 24 of 27 | $280.00 | $3,360.00 | Go to GU |
| 2 | restricted | ADF Total Package Gold 500 | $500 | yes | yes | yes | 25 of 27 | $290.31 | $3,483.72 | Go to Defence |
| 3 | restricted | ADF Total Package Gold 250 | $250 | yes | yes | yes | 25 of 27 | $319.48 | $3,833.76 | Go to Defence |
| 4 | Pasplan Gold with excess | $150 | yes | yes | yes | 25 of 27 | $320.80 | $3,849.60 | Go to St | |
| 5 | restricted | ADF Total Package Gold | — | yes | yes | yes | 25 of 27 | $337.01 | $4,044.12 | Go to Defence |
| 6 |  Navy Health Ltdrestricted | Premium Gold Hospital 750 & Budget Extras | $750 | yes | yes | yes | 11 of 27 | $337.62 | $4,051.44 | Go to Navy |
| 7 | Pasplan Gold | — | yes | yes | yes | 25 of 27 | $344.60 | $4,135.20 | Go to St | |
| 8 | restricted | Top Hospital 500 (Gold) & Top Extras | $500 | yes | yes | yes | 27 of 27 | $347.89 | $4,174.68 | Go to Teachers |
| 9 | restricted | Top Hospital 500 (Gold) & Top Extras | $500 | yes | yes | yes | 27 of 27 | $347.89 | $4,174.68 | Go to Teachers |
| 10 | restricted | Top Hospital 500 (Gold) & Top Extras | $500 | yes | yes | yes | 27 of 27 | $347.89 | $4,174.68 | Go to Teachers |
| 11 | GU Health | Nin Top Gold Hospital & Extended Health Benefits (Single) | — | yes | yes | yes | 25 of 27 | $349.17 | $4,190.04 | Go to GU |
| 12 | restricted | Gold Easy Choice | $300 | yes | yes | yes | 25 of 27 | $353.66 | $4,243.92 | Go to TUH, |
| 13 | GU Health | Complete Hospital - Gold & Ancillary Benefits (Single) | — | yes | yes | yes | 24 of 27 | $354.17 | $4,250.04 | Go to GU |
| 14 | restricted | Top Hospital 300 (Gold) & Top Extras | $300 | yes | yes | yes | 27 of 27 | $354.41 | $4,252.92 | Go to Teachers |
| 15 | restricted | Top Hospital 300 (Gold) & Top Extras | $300 | yes | yes | yes | 27 of 27 | $354.41 | $4,252.92 | Go to Teachers |
| 16 | restricted | Top Hospital 300 (Gold) & Top Extras | $300 | yes | yes | yes | 27 of 27 | $354.41 | $4,252.92 | Go to Teachers |
| 17 | Astute Gold Hospital 750 and Astute Wellbeing Extras | $750 | yes | yes | yes | 20 of 27 | $359.70 | $4,316.40 | Go to St | |
| 18 | GU Health | Cl Executive Gold Hospital And Executive Benefits (Single) | — | yes | yes | yes | 23 of 27 | $364.58 | $4,374.96 | Go to GU |
| 19 | Pasplan Gold Status 85 with excess | $150 | yes | yes | yes | 25 of 27 | $364.80 | $4,377.60 | Go to St | |
| 20 | Navy Health Ltd restricted | Premium Gold Hospital 350 & Budget Extras | $350 | yes | yes | yes | 11 of 27 | $368.35 | $4,420.20 | Go to Navy |
| 21 | restricted | Top Hospital (Gold) & Top Extras | — | yes | yes | yes | 27 of 27 | $371.83 | $4,461.96 | Go to Teachers |
| 22 | restricted | Top Hospital (Gold) & Top Extras | — | yes | yes | yes | 27 of 27 | $371.83 | $4,461.96 | Go to Teachers |
| 23 | restricted | Top Hospital (Gold) & Top Extras | — | yes | yes | yes | 27 of 27 | $371.83 | $4,461.96 | Go to Teachers |
| 24 | Astute Gold Hospital 500 and Astute Wellbeing Extras | $500 | yes | yes | yes | 20 of 27 | $372.70 | $4,472.40 | Go to St | |
| 25 |  Doctors' Health Fundrestricted | Prime Choice Gold $750 Excess & Essential Extras | $750 | yes | yes | yes | 22 of 27 | $374.42 | $4,493.04 | Go to Doctors' |
| 26 | Astute Gold Hospital 750 and Astute Extras Protect | $750 | yes | yes | yes | 25 of 27 | $376.50 | $4,518.00 | Go to St | |
| 27 | Navy Health Ltd restricted | Premium Gold Hospital 750 & Healthy Living Extras | $750 | yes | yes | yes | 25 of 27 | $380.48 | $4,565.76 | Go to Navy |
| 28 | Astute Gold Hospital 250 and Astute Wellbeing Extras | $250 | yes | yes | yes | 20 of 27 | $386.80 | $4,641.60 | Go to St | |
| 29 | Astute Gold Hospital 500 and Astute Extras Protect | $500 | yes | yes | yes | 25 of 27 | $389.50 | $4,674.00 | Go to St | |
| 30 | Doctors' Health Fund restricted | Prime Choice Gold $500 Excess & Essential Extras | $500 | yes | yes | yes | 22 of 27 | $391.08 | $4,692.96 | Go to Doctors' |
| 31 | Pasplan Gold Status 85 | — | yes | yes | yes | 25 of 27 | $391.70 | $4,700.40 | Go to St | |
| 32 |  HCF | TOP ADVANCED HOSPITAL GOLD $250 EXCESS & MULTICOVER | $250 | yes | yes | yes | 21 of 27 | $393.29 | $4,719.48 | Go to HCF |
| 33 | Astute Gold Hospital 250 and Astute Extras Protect | $250 | yes | yes | yes | 25 of 27 | $403.60 | $4,843.20 | Go to St | |
| 34 | Navy Health Ltd restricted | Premium Gold Hospital 350 & Healthy Living Extras | $350 | yes | yes | yes | 25 of 27 | $411.21 | $4,934.52 | Go to Navy |
| 35 | Doctors' Health Fund restricted | Prime Choice Gold & Essential Extras | — | yes | yes | yes | 22 of 27 | $419.74 | $5,036.88 | Go to Doctors' |
| 36 | restricted | Gold Ultimate Choice | — | yes | yes | yes | 26 of 27 | $423.23 | $5,078.76 | Go to TUH, |
| 37 | Navy Health Ltd restricted | Premium Gold Hospital 750 & Premium Extras | $750 | yes | yes | yes | 25 of 27 | $427.38 | $5,128.56 | Go to Navy |
| 38 |  Police Healthrestricted | Gold Combined | — | yes | yes | yes | 23 of 27 | $430.04 | $5,160.48 | Go to Police |
| 39 | GU Health | Sym Complete Gold Hospital & Superior Benefits $200 Excess (Single) | $200 /policy | yes | yes | yes | 24 of 27 | $433.33 | $5,199.96 | Go to GU |
| 40 | Doctors' Health Fund restricted | Prime Choice Gold $750 Excess & Total Extras | $750 | yes | yes | yes | 24 of 27 | $437.36 | $5,248.32 | Go to Doctors' |
| 41 | Gold Hospital 750 and Super Extras | $750 | yes | yes | yes | 25 of 27 | $449.70 | $5,396.40 | Go to St | |
| 42 | Doctors' Health Fund restricted | Prime Choice Gold $500 Excess & Total Extras | $500 | yes | yes | yes | 24 of 27 | $454.02 | $5,448.24 | Go to Doctors' |
| 43 | Navy Health Ltd restricted | Premium Gold Hospital 350 & Premium Extras | $350 | yes | yes | yes | 25 of 27 | $458.11 | $5,497.32 | Go to Navy |
| 44 | Doctors' Health Fund restricted | Top Cover Gold $750 Excess & Essential Extras | $750 | yes | yes | yes | 22 of 27 | $473.63 | $5,683.56 | Go to Doctors' |
| 45 |  Health Partners | Gold Hospital Advantage $750 Excess with Base Extras | $750 | yes | yes | yes | 8 of 27 | $481.39 | $5,776.68 | Go to Health |
| 46 | Doctors' Health Fund restricted | Prime Choice Gold & Total Extras | — | yes | yes | yes | 24 of 27 | $482.68 | $5,792.16 | Go to Doctors' |
| 47 | Gold Hospital 500 and Super Extras | $500 | yes | yes | yes | 25 of 27 | $485.60 | $5,827.20 | Go to St | |
| 48 | Health Partners | Gold Hospital Advantage $750 Excess with Flex Extras: Eyes | $750 | yes | yes | yes | 6 of 27 | $492.96 | $5,915.52 | Go to Health |
| 49 | Health Partners | Gold Hospital Advantage $750 Excess with Flex Extras: Wellness | $750 | yes | yes | yes | 15 of 27 | $495.86 | $5,950.32 | Go to Health |
| 50 | Health Partners | Gold Hospital Advantage $750 Excess with Flex Extras: Body | $750 | yes | yes | yes | 9 of 27 | $496.77 | $5,961.24 | Go to Health |
By state: cheapest hospital policy for a single, Gold and Basic
Gold covers every clinical category; Basic is the floor. Click a state for every tier and every household type.
| State | Cheapest Gold (single) | Gold policies | Cheapest Basic (single) | Every tier |
|---|---|---|---|---|
| New South Wales |  nib Health Funds Ltd. Gold Executive Hospital $186.21/mo | 250, median $278.34 |  ahm health insurance ambulance hospital (basic) $102.60/mo | NSW: all tiers |
| Victoria | GU Health Gold Superior Hospital $500 Excess (Single) $191.67/mo | 255, median $300.83 | ahm health insurance ambulance hospital (basic) $102.10/mo | VIC: all tiers |
| Queensland | GU Health Gold Superior Hospital $500 Excess (Single) $191.67/mo | 250, median $300.70 |  see-u by HBF Starter Hospital $750 Excess with Daily Co-Pay (Basic) $102.99/mo | QLD: all tiers |
| South Australia | GU Health Gold Superior Hospital $500 Excess (Single) $191.67/mo | 255, median $281.18 | see-u by HBF Starter Hospital $750 Excess with Daily Co-Pay (Basic) $98.81/mo | SA: all tiers |
| Western Australia | GU Health Superior Gold Hospital $750 Excess (Single) $162.50/mo | 255, median $259.17 | see-u by HBF Starter Hospital $750 Excess with Daily Co-Pay (Basic) $78.86/mo | WA: all tiers |
| Tasmania | GU Health Gold Superior Hospital $500 Excess (Single) $191.67/mo | 247, median $290.11 |  HBF Health Limited Basic Hospital Accident Only $750/$1500 Excess $100.42/mo | TAS: all tiers |
| Northern Territory |  Bupa HI Pty Ltd HealthLink Hospital $750 Excess - Gold $87.15/mo | 255, median $215.34 | ahm health insurance ambulance hospital (basic) $39.30/mo | NT: all tiers |
The release prices no policy for the ACT: every row is for one named state or for all states at once. What it does publish for all states, with the figures.
The three things that change what you actually pay
Published premiums are the starting point. The government then takes some off, may add some on, and taxes you if you have none. All three are set by law, not by the insurer.
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 insuranceStart 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 CoverEarn over $105,000 as a single or $210,000 as a family in 2026-27 with no hospital cover and the Medicare Levy Surcharge adds 1% to 1.5% of your income to your tax. Hospital cover with an excess of $750 or less (singles) or $1,500 (families) avoids it; extras-only cover does not.
PrivateHealth.gov.au, Medicare Levy SurchargeQuestions, by state and household
One page per state and household, each naming the cheapest policy from the release.
- Cheapest hospital cover in New South Wales for a single
- Hospital cover to avoid the Medicare Levy Surcharge in New South Wales for a single
- Cheapest hospital cover in Victoria for a single
- Hospital cover to avoid the Medicare Levy Surcharge in Victoria for a single
- Cheapest hospital cover in Queensland for a single
- Hospital cover to avoid the Medicare Levy Surcharge in Queensland for a single
- Cheapest hospital cover in South Australia for a single
- Hospital cover to avoid the Medicare Levy Surcharge in South Australia for a single
- Cheapest hospital cover in Western Australia for a single
- Hospital cover to avoid the Medicare Levy Surcharge in Western Australia for a single
- Cheapest hospital cover in Tasmania for a single
- Hospital cover to avoid the Medicare Levy Surcharge in Tasmania for a single
- Cheapest hospital cover in Northern Territory for a single
- Hospital cover to avoid the Medicare Levy Surcharge in Northern Territory for a single
Tiers, in the regulator's words
Since April 2019 every hospital policy is Gold, Silver, Bronze or Basic; a 'Plus' tier covers more than its base tier requires.
Insurers in the data
34 registered insurers publish open products. 'Restricted' funds accept only the members they name. Each insurer's page lists its cheapest hospital policy on every tier, in every state it sells in.
restricted: Seventh-day Adventist Church employees, Local Church Officers and their families. · acahealth.com.au- open to anyone · ahm.com.au
open to anyone · aia.com.au
open to anyone · australianunity.com.au- open to anyone · bupa.com.au
open to anyone · cbhscorporatehealth.com.au
restricted: current and past employees of Commonwealth Bank Group, franchisees, contractors, and their families. · cbhs.com.au
open to anyone · hunterhi.com.au- restricted: current or former members of the ADF and the Defence community and their families. · defencehealth.com.au
- restricted: Medical and allied health professionals, their families, medical students and AMA employees. · doctorshealthfund.com.au
open to anyone · gmhba.com.au- open to anyone · guhealth.com.au
- open to anyone · hbf.com.au
- open to anyone · hcf.com.au
open to anyone · hciltd.com.au
open to anyone · hif.com.au- open to anyone · healthpartners.com.au
open to anyone · latrobehealth.com.au
open to anyone · medibank.com.au- open to anyone · mildurahealthfund.com.au
- restricted: Cover for the ADF community - serving, ex-serving ADF, employees of contractors to ADF and families. · navyhealth.com.au
- open to anyone · nib.com.au
open to anyone · peoplecare.com.au- open to anyone · phoenixhealthfund.com.au
- restricted: Members of Australia’s police community, and their families. · policehealth.com.au
open to anyone · queenslandcountry.health
restricted: Current & former employees of the Reserve Bank. · myrbhs.com.au- open to anyone · seeuhealthinsurance.com.au
- open to anyone · stlukes.com.au
- restricted: education union members and their families · teachershealth.com.au
- restricted: current or former union members and their families. · tuh.com.au
open to anyone · westfund.com.au
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