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Private health insurance · 79,604 policies · 34 insurers · release 2026-10-01 · ranked 2026-11-08
Gold hospital cover in New South Wales for a single, cheapest first
In New South Wales, the cheapest of 195 published open Gold hospital policies for a single from 19 insurers (median $277.50 a month) is nib Health Funds Ltd.'s Gold Executive Hospital at $186.21 a month before the government rebate, or about $141.30 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 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.
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
Hospital must cover
Cataracts195Hospital psychiatric services195Joint replacements195Pregnancy and birth195All 38 clinical categories ▸▾
Assisted reproductive services195Back, neck and spine195Blood195Bone, joint and muscle195Brain and nervous system195Breast surgery (medically necessary)195Chemotherapy, radiotherapy and immunotherapy for cancer195Dental surgery195Diabetes management (excluding insulin pumps)195Dialysis for chronic kidney failure195Digestive system195Ear, nose and throat195Eye (not cataracts)195Gastrointestinal endoscopy195Gynaecology195Heart and vascular system195Hernia and appendix195Implantation of hearing devices195Insulin pumps195Joint reconstructions195Kidney and bladder195Lung and chest195Male reproductive system195Miscarriage and termination of pregnancy195Pain management195Pain management with device195Palliative care195Plastic and reconstructive surgery (medically necessary)195Podiatric surgery (by a registered podiatric surgeon)195Rehabilitation195Skin195Sleep studies195Tonsils, adenoids and grommets195Weight loss surgery195
195 policies · 19 insurersReset
Cheapest Gold hospital policy for a single in New South Wales
195 policies compared · release 01-Oct-2026Lowest published premium covering everything you asked for
nib Health Funds Ltd.
Gold Executive Hospital$186.21per month before the government rebate
Excess
$750 per person
Per year
$2,234.52
Tier
Gold
Ambulance
Emergency only
The premium the insurer publishes to the Private Health Insurance Ombudsman, release 01-Oct-2026. General information, not advice; the insurer's statement decides.
Against the average policy on these filters
$111.87/mo less
vs the $298.08 average across 195 policies
$1,342.44
a year
$4,027.32
over three years
Gold hospital 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 | Premium / mo | Per year | |
|---|---|---|---|---|---|---|---|---|---|
| 1 | nib Health Funds Ltd. | Gold Executive Hospital | $750 | yes | yes | yes | $186.21 | $2,234.52 | Go to nib |
| 2 |  GU Health | Superior Gold Hospital $750 Excess (Single) | $750 | yes | yes | yes | $190.00 | $2,280.00 | Go to GU |
| 3 | GU Health | Gold Superior Hospital $500 Excess (Single) | $500 | yes | yes | yes | $191.67 | $2,300.04 | Go to GU |
| 4 | GU Health | Superior Hospital - Gold $750 Excess (Single) | $750 | yes | yes | yes | $195.83 | $2,349.96 | Go to GU |
| 5 | GU Health | Advance Hospital - Gold $750 Excess (Single) | $750 | yes | yes | yes | $197.08 | $2,364.96 | Go to GU |
| 6 | GU Health | Gold Complete Hospital NKE $500 Excess (Single) | $500 /policy | yes | yes | yes | $199.17 | $2,390.04 | Go to GU |
| 7 | GU Health | Gold Complete Hospital $500 Excess (Single) | $500 /policy | yes | yes | yes | $199.17 | $2,390.04 | Go to GU |
| 8 | GU Health | Gold Superior Hospital $250 Excess (Single) | $250 | yes | yes | yes | $200.42 | $2,405.04 | Go to GU |
| 9 | nib Health Funds Ltd. | Gold Executive Hospital | $500 | yes | yes | yes | $200.42 | $2,405.04 | Go to nib |
| 10 | GU Health | Complete Gold Hospital $750 Excess (Single) | $750 /policy | yes | yes | yes | $203.33 | $2,439.96 | Go to GU |
| 11 | GU Health | Superior Gold Hospital $500 Excess (Single) | $500 | yes | yes | yes | $203.75 | $2,445.00 | Go to GU |
| 12 | GU Health | Advance Gold Hospital $750 Excess (Single) | $750 | yes | yes | yes | $205.83 | $2,469.96 | Go to GU |
| 13 | GU Health | Superior Hospital - Gold $500 Excess (Single) | $500 | yes | yes | yes | $213.33 | $2,559.96 | Go to GU |
| 14 | GU Health | Advance Hospital - Gold $500 Excess (Single) | $500 | yes | yes | yes | $214.17 | $2,570.04 | Go to GU |
| 15 | nib Health Funds Ltd. | Gold Executive Hospital | $250 | yes | yes | yes | $215.80 | $2,589.60 | Go to nib |
| 16 | GU Health | Top Gold Hospital $750 Excess (Single) | $750 /policy | yes | yes | yes | $217.08 | $2,604.96 | Go to GU |
| 17 | GU Health | Complete Gold Hospital $500 Excess (Single) | $500 /policy | yes | yes | yes | $218.33 | $2,619.96 | Go to GU |
| 18 | GU Health | Gold Complete Hospital $250 Excess (Single) | $250 /policy | yes | yes | yes | $218.75 | $2,625.00 | Go to GU |
| 19 | GU Health | Gold Complete Hospital NKE $250 Excess (Single) | $250 /policy | yes | yes | yes | $218.75 | $2,625.00 | Go to GU |
| 20 | GU Health | Complete Hospital NKE - Gold $500 Excess (Single) | $500 /policy | yes | yes | yes | $219.17 | $2,630.04 | Go to GU |
| 21 | GU Health | Complete Hospital - Gold $500 Excess (Single) | $500 /policy | yes | yes | yes | $219.17 | $2,630.04 | Go to GU |
| 22 | GU Health | Gold Superior Hospital (Single) | — | yes | yes | yes | $219.58 | $2,634.96 | Go to GU |
| 23 | GU Health | Superior Gold Hospital $250 Excess (Single) | $250 | yes | yes | yes | $219.58 | $2,634.96 | Go to GU |
| 24 | GU Health | Advance Gold Hospital $500 Excess (Single) | $500 | yes | yes | yes | $220.00 | $2,640.00 | Go to GU |
| 25 | GU Health | Superior Hospital - Gold $250 Excess (Single) | $250 | yes | yes | yes | $224.17 | $2,690.04 | Go to GU |
| 26 | GU Health | Advance Hospital - Gold $250 Excess (Single) | $250 | yes | yes | yes | $229.17 | $2,750.04 | Go to GU |
| 27 | GU Health | Complete Gold Hospital $400 Excess (Single) | $400 /policy | yes | yes | yes | $229.17 | $2,750.04 | Go to GU |
| 28 | GU Health | Complete Hospital - Gold $200 Excess (Single) | $200 /policy | yes | yes | yes | $230.83 | $2,769.96 | Go to GU |
| 29 | GU Health | Complete Hospital NKE - Gold $200 Excess (Single) | $200 /policy | yes | yes | yes | $230.83 | $2,769.96 | Go to GU |
| 30 | nib Health Funds Ltd. | Gold Executive Hospital | — | yes | yes | yes | $232.92 | $2,795.04 | Go to nib |
| 31 | GU Health | Top Gold Hospital $500 Excess (Single) | $500 /policy | yes | yes | yes | $233.75 | $2,805.00 | Go to GU |
| 32 | GU Health | Advance Gold Hospital $250 Excess (Single) | $250 | yes | yes | yes | $234.58 | $2,814.96 | Go to GU |
| 33 | GU Health | Advance Hospital - Gold (Single) | — | yes | yes | yes | $235.42 | $2,825.04 | Go to GU |
| 34 | GU Health | Complete Gold Hospital $300 Excess (Single) | $300 /policy | yes | yes | yes | $235.42 | $2,825.04 | Go to GU |
| 35 | GU Health | Complete Gold Hospital $250 Excess (Single) | $250 /policy | yes | yes | yes | $236.67 | $2,840.04 | Go to GU |
| 36 | GU Health | Gold Complete Hospital NKE $150 Excess (Single) | $150 /policy | yes | yes | yes | $237.92 | $2,855.04 | Go to GU |
| 37 | GU Health | Gold Complete Hospital $150 Excess (Single) | $150 /policy | yes | yes | yes | $237.92 | $2,855.04 | Go to GU |
| 38 | restricted | Top Hospital Gold 400 | $400 /policy | yes | yes | yes | $238.22 | $2,858.64 | Go to Defence |
| 39 | GU Health | Superior Hospital - Gold (Single) | — | yes | yes | yes | $238.33 | $2,859.96 | Go to GU |
| 40 | GU Health | Superior Gold Hospital (Single) | — | yes | yes | yes | $238.33 | $2,859.96 | Go to GU |
| 41 | GU Health | Gold Complete Hospital (Single) | — | yes | yes | yes | $238.75 | $2,865.00 | Go to GU |
| 42 | GU Health | Complete Hospital NKE - Gold $300 Excess (Single) | $300 /policy | yes | yes | yes | $238.75 | $2,865.00 | Go to GU |
| 43 | GU Health | Complete Hospital - Gold $300 Excess (Single) | $300 /policy | yes | yes | yes | $238.75 | $2,865.00 | Go to GU |
| 44 | GU Health | Top Gold Hospital $400 Excess (Single) | $400 /policy | yes | yes | yes | $240.42 | $2,885.04 | Go to GU |
| 45 | GU Health | Complete Hospital NKE - Gold $100 Excess (Single) | $100 /policy | yes | yes | yes | $240.42 | $2,885.04 | Go to GU |
| 46 | GU Health | Complete Hospital - Gold $100 Excess (Single) | $100 /policy | yes | yes | yes | $240.42 | $2,885.04 | Go to GU |
| 47 | GU Health | Complete Gold Hospital $200 Excess (Single) | $200 /policy | yes | yes | yes | $241.67 | $2,900.04 | Go to GU |
| 48 |  Medibank Private Limited | Premium Gold Hospital | $750 | yes | yes | yes | $243.40 | $2,920.80 | Go to Medibank |
| 49 | restricted | Top Hospital Gold 250 | $250 /policy | yes | yes | yes | $243.95 | $2,927.40 | Go to Defence |
| 50 | GU Health | Premier Gold Hospital $750 Excess (Single) | $750 /policy | yes | yes | yes | $244.58 | $2,934.96 | Go to GU |
| 51 | GU Health | Premier Hospital - Gold $400 Excess (Single) | $400 /policy | yes | yes | yes | $244.58 | $2,934.96 | Go to GU |
| 52 | GU Health | Complete Hospital NKE - Gold $250 Excess (Single) | $250 /policy | yes | yes | yes | $244.58 | $2,934.96 | Go to GU |
| 53 | GU Health | Complete Hospital - Gold $250 Excess (Single) | $250 /policy | yes | yes | yes | $244.58 | $2,934.96 | Go to GU |
| 54 | GU Health | Complete Gold Hospital $150 Excess (Single) | $150 /policy | yes | yes | yes | $246.25 | $2,955.00 | Go to GU |
| 55 | GU Health | Complete Gold Hospital $100 Excess (Single) | $100 /policy | yes | yes | yes | $247.92 | $2,975.04 | Go to GU |
| 56 | GU Health | Top Gold Hospital $250 Excess (Single) | $250 /policy | yes | yes | yes | $250.83 | $3,009.96 | Go to GU |
| 57 | GU Health | Inpatriate Gold Hospital $750 Excess (Single) | $750 /policy | yes | yes | yes | $251.25 | $3,015.00 | Go to GU |
| 58 | restricted | Top Hospital 500 (Gold) | $500 | yes | yes | yes | $252.21 | $3,026.52 | Go to Teachers |
| 59 | restricted | Top Hospital 500 (Gold) | $500 | yes | yes | yes | $252.21 | $3,026.52 | Go to Teachers |
| 60 | restricted | Top Hospital 500 (Gold) | $500 | yes | yes | yes | $252.21 | $3,026.52 | Go to Teachers |
| 61 | restricted | Top Hospital 500 (Gold) | $500 | yes | yes | yes | $252.21 | $3,026.52 | Go to Teachers |
| 62 | restricted | Top Hospital 500 (Gold) | $500 | yes | yes | yes | $252.21 | $3,026.52 | Go to Teachers |
| 63 | Medibank Private Limited | Premium Gold Hospital | $500 | yes | yes | yes | $253.65 | $3,043.80 | Go to Medibank |
| 64 | GU Health | Complete Gold Hospital (Single) | — | yes | yes | yes | $255.00 | $3,060.00 | Go to GU |
| 65 | GU Health | Advance Gold Hospital (Single) | — | yes | yes | yes | $255.83 | $3,069.96 | Go to GU |
| 66 | GU Health | Top Hospital - Gold $250 Excess (Single) | $250 /policy | yes | yes | yes | $255.83 | $3,069.96 | Go to GU |
| 67 | GU Health | Complete Hospital - Gold (Single) | — | yes | yes | yes | $256.67 | $3,080.04 | Go to GU |
| 68 | GU Health | Elevate Gold Hospital $750 Excess (Single) | $750 | yes | yes | yes | $257.08 | $3,084.96 | Go to GU |
| 69 |  Bupa HI Pty Ltd | HealthLink Hospital $750 Excess - Gold | $750 | yes | yes | yes | $258.00 | $3,096.00 | Go to Bupa |
| 70 | restricted | Top Hospital 300 (Gold) | $300 | yes | yes | yes | $258.73 | $3,104.76 | Go to Teachers |
| 71 | restricted | Top Hospital 300 (Gold) | $300 | yes | yes | yes | $258.73 | $3,104.76 | Go to Teachers |
| 72 | restricted | Top Hospital 300 (Gold) | $300 | yes | yes | yes | $258.73 | $3,104.76 | Go to Teachers |
| 73 | GU Health | Premier Gold Hospital $500 Excess (Single) | $500 /policy | yes | yes | yes | $258.75 | $3,105.00 | Go to GU |
| 74 | GU Health | Top Gold Hospital $200 Excess (Single) | $200 /policy | yes | yes | yes | $261.67 | $3,140.04 | Go to GU |
| 75 | GU Health | Top Gold Hospital $150 Excess (Single) | $150 /policy | yes | yes | yes | $262.08 | $3,144.96 | Go to GU |
| 76 | GU Health | Gold Hospital Top $200 Excess (Single) | $200 /policy | yes | yes | yes | $262.50 | $3,150.00 | Go to GU |
| 77 | GU Health | Premier Gold Hospital $400 Excess (Single) | $400 /policy | yes | yes | yes | $263.75 | $3,165.00 | Go to GU |
| 78 | GU Health | Top Gold Hospital $125 Excess (Single) | $125 /policy | yes | yes | yes | $263.75 | $3,165.00 | Go to GU |
| 79 | GU Health | Top Gold Hospital $100 Excess (Single) | $100 /policy | yes | yes | yes | $264.17 | $3,170.04 | Go to GU |
| 80 | GU Health | Top Hospital - Gold $125 Excess (Single) | $125 /policy | yes | yes | yes | $265.00 | $3,180.00 | Go to GU |
| 81 | GU Health | Gold Premier Hospital $250 Excess (Single) | $250 /policy | yes | yes | yes | $266.67 | $3,200.04 | Go to GU |
| 82 | Astute Gold Hospital 750 | $750 | yes | yes | yes | $268.20 | $3,218.40 | Go to St | |
| 83 | GU Health | Complete Hospital - Gold $150 Excess (Single) | $150 /policy | yes | yes | yes | $270.83 | $3,249.96 | Go to GU |
| 84 | GU Health | Complete Hospital NKE - Gold $150 Excess (Single) | $150 /policy | yes | yes | yes | $270.83 | $3,249.96 | Go to GU |
| 85 | GU Health | Gold Premier Hospital $200 Excess (Single) | $200 /policy | yes | yes | yes | $271.67 | $3,260.04 | Go to GU |
| 86 | GU Health | Elevate Hospital - Gold $750 Excess (Single) | $750 | yes | yes | yes | $271.67 | $3,260.04 | Go to GU |
| 87 | GU Health | Inpatriate Gold Hospital $500 Excess (Single) | $500 /policy | yes | yes | yes | $272.08 | $3,264.96 | Go to GU |
| 88 | restricted | Top Hospital Gold | — | yes | yes | yes | $272.22 | $3,266.64 | Go to Defence |
| 89 | GU Health | Premier Hospital - Gold $75 Excess (Single) | $75 /policy | yes | yes | yes | $273.33 | $3,279.96 | Go to GU |
| 90 | GU Health | Executive Gold Hospital $250 Excess (Single) | $250 /policy | yes | yes | yes | $274.58 | $3,294.96 | Go to GU |
| 91 | GU Health | Premier Gold Hospital $250 Excess (Single) | $250 /policy | yes | yes | yes | $274.58 | $3,294.96 | Go to GU |
| 92 | GU Health | Optimum Gold Hospital $750 Excess (Single) | $750 /policy | yes | yes | yes | $275.00 | $3,300.00 | Go to GU |
| 93 |  Doctors' Health Fundrestricted | Prime Choice Gold $750 Excess | $750 | yes | yes | yes | $275.31 | $3,303.72 | Go to Doctors' |
| 94 | restricted | Top Hospital (Gold) | — | yes | yes | yes | $276.15 | $3,313.80 | Go to Teachers |
| 95 | restricted | Top Hospital (Gold) | — | yes | yes | yes | $276.15 | $3,313.80 | Go to Teachers |
| 96 | restricted | Top Hospital (Gold) | — | yes | yes | yes | $276.15 | $3,313.80 | Go to Teachers |
| 97 | GU Health | Gold Hospital Top $100 Excess (Single) | $100 /policy | yes | yes | yes | $276.67 | $3,320.04 | Go to GU |
| 98 | GU Health | Top Hospital - Gold $200 Excess (Single) | $200 /policy | yes | yes | yes | $277.50 | $3,330.00 | Go to GU |
| 99 | GU Health | Inpatriate Gold Hospital $400 Excess (Single) | $400 /policy | yes | yes | yes | $279.17 | $3,350.04 | Go to GU |
| 100 | GU Health | Premier Hospital - Gold $500 Excess (Single) | $500 /policy | yes | yes | yes | $279.17 | $3,350.04 | Go to GU |
| 101 | GU Health | Premier Gold Hospital $200 Excess (Single) | $200 /policy | yes | yes | yes | $279.17 | $3,350.04 | Go to GU |
| 102 | GU Health | Elevate Gold Hospital $500 Excess (Single) | $500 | yes | yes | yes | $280.42 | $3,365.04 | Go to GU |
| 103 | Astute Gold Hospital 500 | $500 | yes | yes | yes | $281.20 | $3,374.40 | Go to St | |
| 104 | GU Health | Premier Gold Hospital $100 Excess (Single) | $100 /policy | yes | yes | yes | $283.75 | $3,405.00 | Go to GU |
| 105 |  Police Healthrestricted | Gold Hospital | — | yes | yes | yes | $285.03 | $3,420.36 | Go to Police |
| 106 | restricted | Premier Hospital Gold 500 | $500 | yes | yes | yes | $285.19 | $3,422.28 | Go to Defence |
| 107 | GU Health | Inpatriate Gold Hospital $300 Excess (Single) | $300 /policy | yes | yes | yes | $285.83 | $3,429.96 | Go to GU |
| 108 | GU Health | Inpatriate Gold Hospital $250 Excess (Single) | $250 /policy | yes | yes | yes | $286.25 | $3,435.00 | Go to GU |
| 109 | Medibank Private Limited | Premium Gold Hospital | $250 | yes | yes | yes | $286.65 | $3,439.80 | Go to Medibank |
| 110 | GU Health | Premier Gold Hospital $125 Excess (Single) | $125 /policy | yes | yes | yes | $291.25 | $3,495.00 | Go to GU |
| 111 | GU Health | Elevate Hospital - Gold $500 Excess (Single) | $500 | yes | yes | yes | $291.25 | $3,495.00 | Go to GU |
| 112 | GU Health | Premier Gold Hospital $150 Excess (Single) | $150 /policy | yes | yes | yes | $291.25 | $3,495.00 | Go to GU |
| 113 | Doctors' Health Fund restricted | Prime Choice Gold $500 Excess | $500 | yes | yes | yes | $291.97 | $3,503.64 | Go to Doctors' |
| 114 | GU Health | Inpatriate Gold Hospital $200 Excess (Single) | $200 /policy | yes | yes | yes | $292.08 | $3,504.96 | Go to GU |
| 115 | GU Health | Optimum Gold Hospital $500 Excess (Single) | $500 /policy | yes | yes | yes | $292.50 | $3,510.00 | Go to GU |
| 116 | GU Health | Inpatriate Gold Hospital $150 Excess (Single) | $150 /policy | yes | yes | yes | $294.17 | $3,530.04 | Go to GU |
| 117 |  CBHS Health Fund Limitedrestricted | Complete Gold Hospital $750 Excess | $750 | yes | yes | yes | $294.32 | $3,531.84 | Go to CBHS |
| 118 | Astute Gold Hospital 250 | $250 | yes | yes | yes | $295.30 | $3,543.60 | Go to St | |
| 119 | GU Health | Inpatriate Gold Hospital $100 Excess (Single) | $100 /policy | yes | yes | yes | $295.83 | $3,549.96 | Go to GU |
| 120 | GU Health | Elevate Gold Hospital $250 Excess (Single) | $250 | yes | yes | yes | $295.83 | $3,549.96 | Go to GU |
| 121 | Bupa HI Pty Ltd | HealthLink Hospital $500 Excess - Gold | $500 | yes | yes | yes | $295.85 | $3,550.20 | Go to Bupa |
| 122 | Medibank Private Limited | Premium Gold Hospital | — | yes | yes | yes | $298.05 | $3,576.60 | Go to Medibank |
| 123 | GU Health | Inpatriate Gold Hospital (Single) | — | yes | yes | yes | $300.42 | $3,605.04 | Go to GU |
| 124 | GU Health | Premier Hospital - Gold $250 Excess (Single) | $250 /policy | yes | yes | yes | $300.83 | $3,609.96 | Go to GU |
| 125 | GU Health | Top Hospital - Gold $100 Excess (Single) | $100 /policy | yes | yes | yes | $301.25 | $3,615.00 | Go to GU |
| 126 | GU Health | Gold Premier Hospital $100 Excess (Single) | $100 /policy | yes | yes | yes | $302.08 | $3,624.96 | Go to GU |
| 127 | GU Health | Premier Hospital - Gold $200 Excess (Single) | $200 /policy | yes | yes | yes | $302.08 | $3,624.96 | Go to GU |
| 128 |  Navy Health Ltdrestricted | Premium Gold Hospital 750 | $750 | yes | yes | yes | $302.32 | $3,627.84 | Go to Navy |
| 129 | GU Health | Gold Premier Hospital (Single) | — | yes | yes | yes | $304.17 | $3,650.04 | Go to GU |
| 130 | GU Health | Premier Gold Hospital $75 Excess (Single) | $75 /policy | yes | yes | yes | $304.17 | $3,650.04 | Go to GU |
| 131 | GU Health | Premier Gold Hospital (Single) | — | yes | yes | yes | $305.42 | $3,665.04 | Go to GU |
| 132 | GU Health | Elevate Hospital - Gold $250 Excess (Single) | $250 | yes | yes | yes | $305.83 | $3,669.96 | Go to GU |
| 133 | restricted | Premier Hospital Gold 250 | $250 | yes | yes | yes | $306.33 | $3,675.96 | Go to Defence |
| 134 | GU Health | Optimum Gold Hospital $250 Excess (Single) | $250 /policy | yes | yes | yes | $308.33 | $3,699.96 | Go to GU |
| 135 | GU Health | Top Gold Hospital $50 Excess (Single) | $50 /policy | yes | yes | yes | $312.08 | $3,744.96 | Go to GU |
| 136 | GU Health | Elevate Gold Hospital (Single) | — | yes | yes | yes | $312.50 | $3,750.00 | Go to GU |
| 137 | GU Health | Top Gold Hospital (Single) | — | yes | yes | yes | $312.50 | $3,750.00 | Go to GU |
| 138 | CBHS Health Fund Limited restricted | Complete Gold Hospital $500 Excess | $500 | yes | yes | yes | $313.04 | $3,756.48 | Go to CBHS |
| 139 | GU Health | Premier Hospital - Gold $100 Excess (Single) | $100 /policy | yes | yes | yes | $317.50 | $3,810.00 | Go to GU |
| 140 | GU Health | Premier Hospital - Gold $150 Excess (Single) | $150 /policy | yes | yes | yes | $318.75 | $3,825.00 | Go to GU |
| 141 | GU Health | Elevate Hospital - Gold (Single) | — | yes | yes | yes | $318.75 | $3,825.00 | Go to GU |
| 142 | GU Health | Premier Hospital - Gold $125 Excess (Single) | $125 /policy | yes | yes | yes | $319.17 | $3,830.04 | Go to GU |
| 143 | Gold Hospital 750 | $750 | yes | yes | yes | $320.20 | $3,842.40 | Go to St | |
| 144 | Doctors' Health Fund restricted | Prime Choice Gold | — | yes | yes | yes | $320.63 | $3,847.56 | Go to Doctors' |
| 145 | Bupa HI Pty Ltd | HealthLink Hospital $250 Excess - Gold | $250 | yes | yes | yes | $322.55 | $3,870.60 | Go to Bupa |
| 146 | CBHS Health Fund Limited restricted | Complete Gold Hospital $100 Co-payment | — | yes | yes | yes | $323.44 | $3,881.28 | Go to CBHS |
| 147 | restricted | Ultimate Hospital Gold 500 | $500 | yes | yes | yes | $324.94 | $3,899.28 | Go to Defence |
| 148 | GU Health | Gold Hospital Top (Single) | — | yes | yes | yes | $325.00 | $3,900.00 | Go to GU |
| 149 | GU Health | Optimum Gold Hospital (Single) | — | yes | yes | yes | $326.67 | $3,920.04 | Go to GU |
| 150 | GU Health | Premier Hospital - Gold (Single) | — | yes | yes | yes | $328.75 | $3,945.00 | Go to GU |
| 151 | GU Health | Executive Hospital - Gold (Single) | — | yes | yes | yes | $329.17 | $3,950.04 | Go to GU |
| 152 | Navy Health Ltd restricted | Premium Gold Hospital 350 | $350 | yes | yes | yes | $333.05 | $3,996.60 | Go to Navy |
| 153 | Medibank Private Limited | Medibank Gold Advanced | $500 | yes | yes | yes | $335.85 | $4,030.20 | Go to Medibank |
| 154 | restricted | Premier Hospital Gold | — | yes | yes | yes | $343.07 | $4,116.84 | Go to Defence |
| 155 | CBHS Health Fund Limited restricted | Complete Gold Hospital $0 Excess | — | yes | yes | yes | $349.44 | $4,193.28 | Go to CBHS |
| 156 | Bupa HI Pty Ltd | HealthLink Hospital - Gold | — | yes | yes | yes | $349.60 | $4,195.20 | Go to Bupa |
| 157 |  Westfund Limited | Athlete Gold Hospital | $250 | yes | yes | yes | $350.35 | $4,204.20 | Go to Westfund |
| 158 | GU Health | Executive Gold Hospital (Single) | — | yes | yes | yes | $352.08 | $4,224.96 | Go to GU |
| 159 | restricted | Ultimate Hospital Gold 250 | $250 | yes | yes | yes | $354.39 | $4,252.68 | Go to Defence |
| 160 | Gold Hospital 500 | $500 | yes | yes | yes | $356.10 | $4,273.20 | Go to St | |
| 161 | Medibank Private Limited | Medibank Gold Advanced | $250 | yes | yes | yes | $359.35 | $4,312.20 | Go to Medibank |
| 162 | GU Health | Top Hospital - Gold (Single) | — | yes | yes | yes | $361.67 | $4,340.04 | Go to GU |
| 163 | Doctors' Health Fund restricted | Top Cover Gold $750 Excess | $750 | yes | yes | yes | $374.52 | $4,494.24 | Go to Doctors' |
| 164 | Gold Hospital 300 | $300 | yes | yes | yes | $375.20 | $4,502.40 | Go to St | |
| 165 | restricted | Defence Hospital Gold | $750 | yes | yes | yes | $382.52 | $4,590.24 | Go to Defence |
| 166 | GU Health | Top Hospital - Gold $50 Excess (Single) | $50 /policy | yes | yes | yes | $383.33 | $4,599.96 | Go to GU |
| 167 | Medibank Private Limited | Medibank Gold Protect | $750 | yes | yes | yes | $388.55 | $4,662.60 | Go to Medibank |
| 168 |  ahm health insurance | elite gold copay | — | yes | yes | yes | $399.95 | $4,799.40 | Go to ahm |
| 169 | restricted | Ultimate Hospital Gold 0 | — | yes | yes | yes | $404.01 | $4,848.12 | Go to Defence |
| 170 | Westfund Limited | Gold Ultimate 750 Hospital | $750 | yes | yes | yes | $405.82 | $4,869.84 | Go to Westfund |
| 171 | restricted | Connections Hospital Gold | $750 | yes | yes | yes | $406.46 | $4,877.52 | Go to Defence |
| 172 | Bupa HI Pty Ltd | Gold Comprehensive Hospital $750 Excess | $750 | yes | yes | yes | $414.45 | $4,973.40 | Go to Bupa |
| 173 | Doctors' Health Fund restricted | Top Cover Gold | — | yes | yes | yes | $414.60 | $4,975.20 | Go to Doctors' |
| 174 | Medibank Private Limited | Medibank Gold Protect | $500 | yes | yes | yes | $417.80 | $5,013.60 | Go to Medibank |
| 175 |  HBF Health Limited | Gold Hospital Elevate $750/$1500 Excess | $750 | yes | yes | yes | $421.18 | $5,054.16 | Go to HBF |
| 176 | Westfund Limited | Gold Ultimate 500 Hospital | $500 | yes | yes | yes | $425.49 | $5,105.88 | Go to Westfund |
| 177 |  Australian Unity Health Limited | Complete Hospital (Gold) | $750 | yes | yes | yes | $431.60 | $5,179.20 | Go to Australian |
| 178 | Bupa HI Pty Ltd | Gold Comprehensive Hospital $500 Excess | $500 | yes | yes | yes | $437.70 | $5,252.40 | Go to Bupa |
| 179 |  GMHBA Limited | GMHBA Gold Optimum $750 | $750 | yes | yes | yes | $443.05 | $5,316.60 | Go to GMHBA |
| 180 | ahm health insurance | elite gold copay | — | yes | yes | yes | $443.60 | $5,323.20 | Go to ahm |
| 181 | HBF Health Limited | Gold Hospital Elevate $500/$1000 Excess | $500 | yes | yes | yes | $449.51 | $5,394.12 | Go to HBF |
| 182 |  Health Partners | Gold Hospital Advantage $750 Excess | $750 | yes | yes | yes | $452.05 | $5,424.60 | Go to Health |
| 183 | nib Health Funds Ltd. | Qantas Gold Top Hospital $750 Excess | $750 | yes | yes | yes | $458.42 | $5,501.04 | Go to nib |
| 184 | nib Health Funds Ltd. | AAMI Gold Hospital $750 Excess | $750 | yes | yes | yes | $463.07 | $5,556.84 | Go to nib |
| 185 | nib Health Funds Ltd. | Suncorp Health Insurance Gold Hospital $750 Excess | $750 | yes | yes | yes | $463.07 | $5,556.84 | Go to nib |
| 186 | Medibank Private Limited | Medibank Gold Protect | $250 | yes | yes | yes | $463.15 | $5,557.80 | Go to Medibank |
| 187 | nib Health Funds Ltd. | Seniors Gold Hospital | $750 | yes | yes | yes | $463.16 | $5,557.92 | Go to nib |
| 188 | nib Health Funds Ltd. | ING Gold Hospital $750 Excess | $750 | yes | yes | yes | $463.74 | $5,564.88 | Go to nib |
| 189 | nib Health Funds Ltd. | Real Gold Hospital $750 Excess | $750 | yes | yes | yes | $463.79 | $5,565.48 | Go to nib |
| 190 | GMHBA Limited | GMHBA Gold Optimum Hospital $500 | $500 | yes | yes | yes | $468.00 | $5,616.00 | Go to GMHBA |
| 191 | ahm health insurance | advanced hospital gold | — | yes | yes | yes | $471.05 | $5,652.60 | Go to ahm |
| 192 | ahm health insurance | advanced hospital gold | $750 | yes | yes | yes | $478.15 | $5,737.80 | Go to ahm |
| 193 | ahm health insurance | advanced hospital gold | $500 | yes | yes | yes | $514.55 | $6,174.60 | Go to ahm |
| 194 |  HCF | HCF Hospital Optimal Gold $750 Excess | $750 | yes | yes | yes | $548.15 | $6,577.80 | Go to HCF |
| 195 | Gold Optimal Hospital $750 Excess | $750 | yes | yes | yes | $548.15 | $6,577.80 | Go to RT |
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 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 insuranceLifetime 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 CoverThe surcharge taxes having none
Earn 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
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