Hospital cover, compared.
Every hospital policy on sale in New South Wales and the ACT for single cover at any tier and any excess, cheapest first, as each insurer files it with the government. One row per policy, at its cheapest excess that fits: 192 policies from 22 insurers in the October 2026 data.
Cheapest match
$102.60a month
ahm, ambulance hospital (basic)Basic, $750 excess
- Typical
- $160.85
- Dearest
- $471.05
- Basic43 policies$102.60 to $158.45typical $116.83
- Bronze51 policies$121.79 to $173.55typical $140.71
- Silver81 policies$157.30 to $429.83typical $234.39
- Gold17 policies$248.55 to $471.05typical $421.18
| Insurer and policy | Per month |
|---|---|
| ahmambulance hospital (basic)Basic, $750 excess | $102.60 |
| see-u by HBFStarter Hospital with Daily Co-Pay (Basic)Basic, $750 excess | $103.39 |
| GMHBAFrank Basic Accident Boost HospitalBasic, $750 excessSold as Frank Health Insurance | $104.05 |
| HCFHCF Reciprocal Health Cover BasicBasic, $750 excess | $105.05 |
| HBFBasic Hospital Accident OnlyBasic, $750 excess | $105.37 |
| Phoenix Health FundBasic Accident Only HospitalBasic, $750 excess | $105.60 |
| see-u by HBFStarter Hospital (Basic)Basic, $750 excess | $107.82 |
| ahmambulance & accident hospital (basic)Basic, $750 excess | $108.75 |
| BupaBasic Accident Only HospitalBasic, $750 excess | $109.65 |
| HCFHCF ACCIDENT ONLY BASICBasic, $750 excess | $111.57 |
| GMHBAFrank Basic Plus HospitalBasic Plus, $750 excessSold as Frank Health Insurance | $111.60 |
| MedibankMedibank Basic Accident and AmbulanceBasic, $750 excess | $111.60 |
| HCiBasic Plus HospitalBasic Plus, $750 excess | $112.04 |
| GMHBAGMHBA Accident Only Hospital (Basic)Basic, $750 excess | $112.45 |
| RT HealthBasic Plus Starter HospitalBasic Plus, $750 excess | $113.23 |
| HCFHCF Hospital Basic PlusBasic Plus, $750 excess | $113.23 |
| WestfundBasic Plus HospitalBasic Plus, $750 excess | $114.05 |
| BupaReciprocal Health Cover - BasicBasic, $500 excess | $114.35 |
| nibBasic Accident HospitalBasic, $750 excess | $114.68 |
| GMHBAGMHBA Basic Plus Starter HospitalBasic Plus, $750 excess | $115.35 |
| HBFBasic Hospital PlusBasic Plus, $750 excess | $116.76 |
| Health PartnersBasic Accident HospitalBasic, $750 excess | $116.83 |
| ahmcore hospital (basic+)Basic Plus, $750 excess | $117.10 |
| Australian UnitySimple Hospital (Basic Plus)Basic Plus, $750 excess | $117.85 |
| MedibankMedibank Basic Plus SelectBasic Plus, $750 excess | $118.85 |
| BupaBasic Plus Starter HospitalBasic Plus, $750 excess | $118.95 |
| PeoplecareBasic Plus HospitalBasic Plus, $750 excess | $119.07 |
| AIA HealthBasic Accident Only HospitalBasic, $750 excess | $119.82 |
| see-u by HBFSaver Hospital with Daily Co-Pay (Bronze Plus)Bronze Plus, $750 excess | $121.79 |
| HIFBasic Plus HospitalBasic Plus, $750 excess | $122.30 |
| nibBasic Care Hospital PlusBasic Plus, $750 excess | $122.54 |
| Phoenix Health FundBronze HospitalBronze, $750 excess | $123.91 |
| ahmbronze no fussBronze, $750 excess | $124.40 |
| nibING Basic Plus HospitalBasic Plus, $750 excessSold as ING Health Insurance | $124.88 |
| BupaBronze HospitalBronze, $750 excess | $125.00 |
| HBFLite Bronze Hospital PlusBronze Plus, $750 excess | $125.10 |
| Phoenix Health FundBronze Plus Essentials HospitalBronze Plus, $750 excess | $125.55 |
| HBFBasic Hospital Plus ElevateBasic Plus, $750 excess | $125.88 |
| see-u by HBFSaver Hospital (Bronze Plus)Bronze Plus, $750 excess | $126.19 |
| HCFHCF HOSPITAL BRONZEBronze, $750 excess | $126.31 |
| MedibankMedibank Bronze Plus ValueBronze Plus, $750 excess | $127.30 |
| nibQantas Basic HospitalBasic Plus, $750 excessSold as Qantas Insurance | $128.50 |
| nibAAMI Basic Hospital PlusBasic Plus, $750 excessSold as AAMI Health Insurance | $128.54 |
| nibSuncorp Health Insurance Basic Hospital PlusBasic Plus, $750 excessSold as Suncorp Health Insurance | $128.54 |
| Health PartnersBasic Hospital PlusBasic Plus, $750 excess | $128.61 |
| nibBasic Essential Hospital PlusBasic Plus, $750 excess | $129.04 |
| nibReal Basic Plus HospitalBasic Plus, $750 excessSold as Real Health Insurance | $129.17 |
| ahmbronze plus everydayBronze Plus, $750 excess | $130.60 |
| BupaBronze Plus Simple HospitalBronze Plus, $750 excess | $131.80 |
| GMHBAFrank Bronze HospitalBronze, $750 excessSold as Frank Health Insurance | $131.85 |
201 more are corporate policies, sold only with other cover, or from insurers that restrict who can join. Premiums are for single cover; the policy pages have every state, cover type and excess.
Source: PrivateHealth.gov.au data (Private Health Insurance Ombudsman) via data.gov.au, licensed CC BY 3.0 AU. Normalised by The Finance Algorithm from the extract dated 1 Oct 2026, read on 23 Oct 2026.
Premiums are monthly and shown before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount. Confirm the price and the cover with the insurer before you buy; the official statement for every policy is on PrivateHealth.gov.au. This is general information, not advice, and no insurer pays to be listed or ranked here.