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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.
Tap one to begin. 7 more questions and your details, then every option for you, cheapest first. Open the check
Health compared. Car, travel, life and pet: insurers named.
79,604 open health policies from 34 insurers, premiums as published to the regulator (01-Oct-2026). The other lines are quote-priced financial products we do not compare.
In one line
Cheapest hospital cover in New South Wales for a single: ahm health insurance ambulance hospital (basic) at $102.60 a month (Basic, of 24 policies); Gold: nib Health Funds Ltd. Gold Executive Hospital at $186.21, Ombudsman release 2026-10-01.
Health: the cheapest hospital policy for a single in New South Wales, by tier
Published monthly premium before the government rebate, release 2026-10-01. Each card is the lowest premium on its tier; the tier page lists every policy on it.
- nib Health Funds Ltd. Gold Executive HospitalGold
$186.21 a month$750 excess · lowest of 250 Gold policies; median $278.34 · release 2026-10-01 - Medibank Private Limited Essentials Silver Plus HospitalSilver Plus
$142.10 a month$500 excess · lowest of 361 Silver Plus policies; median $232.81 · release 2026-10-01 - GU Health Corporate Essentials Hospital - Silver $500 Excess (Single)Silver
$141.25 a month$500 excess · lowest of 47 Silver policies; median $191.48 · release 2026-10-01 - see-u by HBF Saver Hospital $750 Excess with Daily Co-Pay (Bronze Plus)Bronze Plus
$121.79 a month$750 excess · lowest of 131 Bronze Plus policies; median $148.90 · release 2026-10-01 - Phoenix Health Fund Limited Bronze Hospital 750Bronze$123.91 a month$750 excess · lowest of 25 Bronze policies; median $138.18 · release 2026-10-01
- Defence Health Limited Starter Hospital Basic PlusBasic Plus$110.00 a month$750 excess · lowest of 85 Basic Plus policies; median $128.50 · release 2026-10-01
- ahm health insurance ambulance hospital (basic)Basic
$102.60 a month$750 excess · lowest of 24 Basic policies; median $112.03 · release 2026-10-01
Health: the cheapest Gold hospital policy for a single, by state
Published monthly premium before the government rebate, release 01-Oct-2026. Gold is the top hospital tier; it is the one with the fewest exclusions, not the one most people need.
- New South Walesnib Health Funds Ltd. Gold Executive Hospital$186.21 a month · $750 excesslowest of 250 Gold policies; median $278.34Every Gold policy in NSW
- VictoriaGU Health Gold Superior Hospital $500 Excess (Single)$191.67 a month · $500 excesslowest of 255 Gold policies; median $300.83Every Gold policy in VIC
- QueenslandGU Health Gold Superior Hospital $500 Excess (Single)$191.67 a month · $500 excesslowest of 250 Gold policies; median $300.70Every Gold policy in QLD
- South AustraliaGU Health Gold Superior Hospital $500 Excess (Single)$191.67 a month · $500 excesslowest of 255 Gold policies; median $281.18Every Gold policy in SA
- Western AustraliaGU Health Superior Gold Hospital $750 Excess (Single)$162.50 a month · $750 excesslowest of 255 Gold policies; median $259.17Every Gold policy in WA
- TasmaniaGU Health Gold Superior Hospital $500 Excess (Single)$191.67 a month · $500 excesslowest of 247 Gold policies; median $290.11Every Gold policy in TAS
- Northern Territory
Bupa HI Pty Ltd HealthLink Hospital $750 Excess - Gold$87.15 a month · $750 excesslowest of 255 Gold policies; median $215.34Every Gold policy in NT
Why health is compared and the others are not
- Health: every policy, exact
Every registered insurer must publish a Private Health Information Statement for each product, and the Ombudsman releases the lot as open data each month. A comparison can be exact and reproduced, not estimated.
- Health is not a financial product
The Corporations Act excludes private health insurance from the definition (s765A(1)(c)), so comparing it on price needs no financial services licence. Nothing here is advice; every page says so.
- Car, travel, life and pet: named, not priced
Each insurer prices those from your own details and no regulator publishes the premiums. They are financial products only a licensee may compare or advise on, and OpenStream is not one. Those pages name the insurers APRA licenses, from the register, and show no prices.
Guides
How to choose health cover, with the regulator's figures and the release date.
Gold, Silver, Bronze and Basic: hospital cover tiers explained · Lifetime Health Cover loading and the rebate: what changes the premium you pay · Extras cover: what it pays towards and when · Choosing hospital cover by what matters to you · The Medicare Levy Surcharge: the thresholds and what Basic cover costs against it
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