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The policies here are for Medicare card holders. Visitors and students need overseas visitor or student cover, which is a different product.

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Private health insurance · 79,604 policies · 34 insurers · release 2026-10-01 · ranked 2026-11-08

Bronze hospital cover in New South Wales for a single, cheapest first

In New South Wales, no open Bronze hospital policy for a single covers everything asked for, as published to the Private Health Insurance Ombudsman, release 2026-10-01.

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 · Bronze · Single
State
New South WalesVictoriaQueenslandSouth AustraliaWestern AustraliaTasmaniaNorthern Territory
Cover
Hospital onlyHospital + extrasExtras only
Hospital tier
Gold195Silver Plus289Silver33Bronze Plus104Bronze22Basic Plus73Basic21
Who is covered
SingleCoupleFamilySingle parent
Excess
Any0No excess0$500 or less0$750 or less0
Hospital must cover
Cataracts0Hospital psychiatric services0Joint replacements0Pregnancy and birth0
All 38 clinical categories ▸
Assisted reproductive services0Back, neck and spine0Blood0Bone, joint and muscle0Brain and nervous system0Breast surgery (medically necessary)0Chemotherapy, radiotherapy and immunotherapy for cancer0Dental surgery0Diabetes management (excluding insulin pumps)0Dialysis for chronic kidney failure0Digestive system0Ear, nose and throat0Eye (not cataracts)0Gastrointestinal endoscopy0Gynaecology0Heart and vascular system0Hernia and appendix0Implantation of hearing devices0Insulin pumps0Joint reconstructions0Kidney and bladder0Lung and chest0Male reproductive system0Miscarriage and termination of pregnancy0Pain management0Pain management with device0Palliative care0Plastic and reconstructive surgery (medically necessary)0Podiatric surgery (by a registered podiatric surgeon)0Rehabilitation0Skin0Sleep studies0Tonsils, adenoids and grommets0Weight loss surgery0
0 policies · 0 insurersReset

Bronze hospital for a single in New South Wales

premium per month before the government rebate · regulator's release 01-Oct-2026
#InsurerPolicyExcessPregnancyPsychiatricJointsPremium / moPer year
No open policy matches these filters. Loosen the excess or the must-cover lists.

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.

StateCheapest Gold (single)Gold policiesCheapest Basic (single)Every tier
New South Walesnib Health Funds Ltd. Gold Executive Hospital $186.21/mo250, median $278.34ahm health insurance ambulance hospital (basic) $102.60/moNSW: all tiers
VictoriaGU Health Gold Superior Hospital $500 Excess (Single) $191.67/mo255, median $300.83ahm health insurance ambulance hospital (basic) $102.10/moVIC: all tiers
QueenslandGU Health Gold Superior Hospital $500 Excess (Single) $191.67/mo250, median $300.70see-u by HBF Starter Hospital $750 Excess with Daily Co-Pay (Basic) $102.99/moQLD: all tiers
South AustraliaGU Health Gold Superior Hospital $500 Excess (Single) $191.67/mo255, median $281.18see-u by HBF Starter Hospital $750 Excess with Daily Co-Pay (Basic) $98.81/moSA: all tiers
Western AustraliaGU Health Superior Gold Hospital $750 Excess (Single) $162.50/mo255, median $259.17see-u by HBF Starter Hospital $750 Excess with Daily Co-Pay (Basic) $78.86/moWA: all tiers
TasmaniaGU Health Gold Superior Hospital $500 Excess (Single) $191.67/mo247, median $290.11HBF Health Limited Basic Hospital Accident Only $750/$1500 Excess $100.42/moTAS: all tiers
Northern TerritoryBupa HI Pty Ltd HealthLink Hospital $750 Excess - Gold $87.15/mo255, median $215.34ahm health insurance ambulance hospital (basic) $39.30/moNT: 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 insurance
Lifetime 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 Cover
The 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 Surcharge

Questions, by state and household

One page per state and household, each naming the cheapest policy from the release.

Every question

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.

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