Hunter Health Insurance
41 open policies in the October 2026 data. Anyone can join.
Registered as CDH Benefits Fund.
This insurer is a mutual organisation that operates on a not-for-profit basis.
Also sells policies as HHI, Hunter Health Insurance.
hunterhi.com.au, phone 02 4990 1385
- Hospital
- 5
- Hospital and extras
- 30
- Extras
- 6
- Closed to new members
- 12
How its premiums compare in NSW & ACT
Hunter Health Insurance's cheapest single hospital policy in each tier against every other insurer's cheapest, counting policies anyone can buy, from October 2026 data.
- BasicHospital only$153.9019th cheapest of 20
- BronzeHospital only$155.0320th cheapest of 21
- SilverHospital only$173.7212th cheapest of 21
- Basic. Its cheapest single Basic hospital policy in NSW & ACT is BASIC Hospital Cover, at $153.90 a month before the rebate with no excess: 19th cheapest of 20 insurers. See every insurer
- Bronze. Its cheapest single Bronze hospital policy in NSW & ACT is Bronze Hospital, at $155.03 a month before the rebate with a $500 excess: 20th cheapest of 21 insurers. See every insurer
- Silver. Its cheapest single Silver hospital policy in NSW & ACT is Silver+ Saver Hospital Cover, at $173.72 a month before the rebate with a $500 excess: 12th cheapest of 21 insurers. See every insurer
What a single pays each month, cheapest to dearest policy
Monthly, before the rebate, across every excess option. 7 corporate policies are included; they are sold through employers and associations.
- NSW & ACT$153.90 to $286.31
- VIC$153.90 to $289.02
- QLD$153.90 to $290.43
- SA$153.90 to $289.02
- WA$153.90 to $289.02
- TAS$153.90 to $289.02
- NT$153.90 to $289.02
- NSW & ACT$194.78 to $436.71
- VIC$194.78 to $439.42
- QLD$194.78 to $440.83
- SA$194.78 to $439.42
- WA$194.78 to $439.42
- TAS$194.78 to $439.42
- NT$194.78 to $439.42
- NSW & ACT$8.04 to $150.40
- VIC$8.04 to $150.40
- QLD$8.04 to $150.40
- SA$8.04 to $150.40
- WA$8.04 to $150.40
- TAS$8.04 to $150.40
- NT$8.04 to $150.40
Show the figures
| State | Hospital | Hospital and extras | Extras |
|---|---|---|---|
| NSW & ACT | $153.90 to $286.31 | $194.78 to $436.71 | $8.04 to $150.40 |
| VIC | $153.90 to $289.02 | $194.78 to $439.42 | $8.04 to $150.40 |
| QLD | $153.90 to $290.43 | $194.78 to $440.83 | $8.04 to $150.40 |
| SA | $153.90 to $289.02 | $194.78 to $439.42 | $8.04 to $150.40 |
| WA | $153.90 to $289.02 | $194.78 to $439.42 | $8.04 to $150.40 |
| TAS | $153.90 to $289.02 | $194.78 to $439.42 | $8.04 to $150.40 |
| NT | $153.90 to $289.02 | $194.78 to $439.42 | $8.04 to $150.40 |
What Hunter Health Insurance covers, and what it pays back
Hospital
Leaving out the five it sells through employers, Hunter Health Insurance has 30 policies with hospital cover. They come with no excess or one of $250, $500 or $750. 12 of the 30 drop the excess for children on the policy. Hunter Health Insurance doesn't offer the youth discount, up to 10% off for people who join between 18 and 29, though 67% of hospital policies on the market do.
Waiting periods are the standard ones: 12 months for pre-existing conditions and pregnancy, and two months for everything else, psychiatric, rehab and palliative care included. That's the most the law lets a fund make you wait. All 30 leave ambulance out.
Extras
Not counting the seven it sells through employers, Hunter Health Insurance has 28 policies with extras, covering anywhere from 12 to 24 of the 27 services insurers report on. Here's the most any of them pays back on common claims, and the highest yearly limits, next to the typical policy among the 708 on the market.
The most it pays back on common claims
- $24.00typical policy $35.20
- $38.00typical policy $66.85
- $800.00typical policy $773.80
- $210.00typical policy $220.00
- $55.00typical policy $42.00
- $50.00typical policy $75.00
Its highest yearly limits for a single
- General dental$750typical policy $800
- Major dental$1,100typical policy $1,000
- Optical$299typical policy $220
- Physiotherapy$700typical policy $450
- Chiropractic$600typical policy $400
- Psychology$600typical policy $400
Benefits are what you'd get back from a provider outside the fund's preferred network, using the national figure or NSW's where a policy pays differently by state. Items paid as a percentage of the fee aren't included. Limits are per person per year on a single policy, and some funds pool several services under one limit. Corporate policies aren't counted. See how every fund compares in what extras pay back, or every policy side by side in the extras explorer.
Hospital policies 5
| Policy | Tier | From | Sold in | Excess options |
|---|---|---|---|---|
| BASIC Hospital CoverSold as Hunter Health Insurance | Basic Plus | $153.90NSW & ACT | All | $0 |
| Bronze HospitalSold as Hunter Health Insurance | Bronze Plus | $155.03NSW & ACT | All | $500 |
| Silver+ Saver Hospital CoverSold as Hunter Health Insurance | Silver Plus | $173.72NSW & ACT | All | $250, $500 |
| Silver+ Hospital CoverSold as Hunter Health Insurance | Silver Plus | $243.11NSW & ACT | All | $0, $250, $500, $750 |
| SILVER+ Pregnancy Hospital CoverSold as Hunter Health Insurance | Silver Plus | $246.84NSW & ACT | All | $250, $500 |
Hospital and extras policies 30
| Policy | Tier | From | Sold in | Excess options |
|---|---|---|---|---|
| BASIC Hospital + Ideal Extras | Basic Plus | $194.78NSW & ACT | All | $0 |
| BASIC Hospital + Healthy ExtrasSold as Hunter Health Insurance | Basic Plus | $225.36NSW & ACT | All | $0 |
| Basic Hospital Corporate 60% ExtrasCorporate | Basic Plus | $243.00NSW & ACT | All | $0 |
| Basic Hospital Hunter ExtrasSold as Hunter Health Insurance | Basic Plus | $287.60NSW & ACT | All | $0 |
| BASIC Hospital & Premium ExtrasSold as Hunter Health Insurance | Basic Plus | $304.30NSW & ACT | All | $0 |
| Bronze Hospital Ideal ExtrasSold as Hunter Health Insurance | Bronze Plus | $195.91NSW & ACT | All | $500 |
| Bronze+ PackagedSold as Hunter Health Insurance | Bronze Plus | $200.61NSW & ACT | All | $0 |
| Bronze Hospital Healthy ExtrasSold as Hunter Health Insurance | Bronze Plus | $226.49NSW & ACT | All | $500 |
| Bronze Hospital Corporate 60% ExtrasCorporate | Bronze Plus | $244.13NSW & ACT | All | $500 |
| Bronze Hospital HunterExtrasSold as Hunter Health Insurance | Bronze Plus | $288.73NSW & ACT | All | $500 |
| Bronze Hospital Premium ExtrasSold as Hunter Health Insurance | Bronze Plus | $305.43NSW & ACT | All | $500 |
| Silver+ Saver 2 Hospital & Ideal ExtrasSold as Hunter Health Insurance | Silver Plus | $214.60NSW & ACT | All | $500 |
| Silver+ Saver 2 Hospital & Healthy ExtrasSold as Hunter Health Insurance | Silver Plus | $245.18NSW & ACT | All | $500 |
| Silver+ Saver 1 Hospital & Ideal ExtrasSold as Hunter Health Insurance | Silver Plus | $249.45NSW & ACT | All | $250 |
| Silver+ Saver Hospital & Corporate 60% ExtrasCorporate | Silver Plus | $262.82NSW & ACT | All | $250, $500 |
| Silver+ Saver 1 Hospital & Healthy ExtrasSold as Hunter Health Insurance | Silver Plus | $280.03NSW & ACT | All | $250 |
| SILVER+ Hospital & Ideal ExtrasSold as Hunter Health Insurance | Silver Plus | $283.99NSW & ACT | All | $0, $250, $500, $750 |
| SILVER+ Pregnancy Hospital & Ideal Extras | Silver Plus | $287.72NSW & ACT | All | $250, $500 |
| Silver+ Saver Hospital & Hunter ExtrasSold as Hunter Health Insurance | Silver Plus | $307.42NSW & ACT | All | $250, $500 |
| SILVER+ Hospital & Healthy ExtrasSold as Hunter Health Insurance | Silver Plus | $314.57NSW & ACT | All | $0, $250, $500, $750 |
| SILVER+ Pregnancy Hospital & Healthy ExtrasSold as Hunter Health Insurance | Silver Plus | $318.30NSW & ACT | All | $250, $500 |
| Silver+ Saver 2 Hospital & Premium ExtrasSold as Hunter Health Insurance | Silver Plus | $324.12NSW & ACT | All | $500 |
| SILVER+ Hospital & Corporate 60% ExtrasCorporate | Silver Plus | $332.21NSW & ACT | All | $0, $250, $500, $750 |
| Silver+ Pregnancy Hospital & Corporate 60% ExtrasCorporate | Silver Plus | $335.94NSW & ACT | All | $250, $500 |
| Silver+ Saver 1 Hospital & Premium ExtrasSold as Hunter Health Insurance | Silver Plus | $358.97NSW & ACT | All | $250 |
| SILVER+ Hospital & Hunter ExtrasSold as Hunter Health Insurance | Silver Plus | $376.81NSW & ACT | All | $0, $250, $500, $750 |
| Silver+ Pregnancy Hospital & Hunter ExtrasSold as Hunter Health Insurance | Silver Plus | $380.54NSW & ACT | All | $250, $500 |
| SILVER+ Hospital & Premium ExtrasSold as Hunter Health Insurance | Silver Plus | $393.51NSW & ACT | All | $0, $250, $500, $750 |
| SILVER+ Pregnancy Hospital & Premium Extras | Silver Plus | $397.24NSW & ACT | All | $250, $500 |
| Silver+ Saver 2 Hospital & Ideal Extras (Family(Sold as Hunter Health Insurance | Silver Plus | $463.96Family, QLD | QLD | $500 |
Extras policies 6
| Policy | From | Sold in | Services |
|---|---|---|---|
| Ambulance Only (Z)Sold as Hunter Health Insurance | $8.04NSW & ACT | All | Ambulance only |
| Healthy Extras CoverSold as Hunter Health Insurance | $71.46NSW & ACT | All | 20 |
| Corporate 60% Extras CoverCorporateSold as Hunter Health Insurance | $89.10NSW & ACT | All | 20 |
| Hunter Extras CoverSold as Hunter Health Insurance | $133.70NSW & ACT | All | 24 |
| Premium Extras CoverOnly sold with particular other policiesSold as Hunter Health Insurance | $150.40NSW & ACT | All | 23 |
| Corporate 60% Extras Cover (not for sale)CorporateSold as Hunter Health Insurance | $178.20Family, VIC | VIC | 20 |
Hunter Health Insurance also has 12 older policies (737 priced variants) closed to new members, which existing members can keep. They are counted here but not listed. Compare its hospital cover with every other insurer's in the hospital explorer.
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.
Questions about Hunter Health Insurance
- Who can join Hunter Health Insurance?
- Anyone can join. Hunter Health Insurance sells 41 policies to new members (5 hospital-only, 30 combined and 6 extras-only), going by the October 2026 data.
- How much is Hunter Health Insurance hospital cover?
- Its cheapest hospital policy for a single is $153.90 a month before the government rebate (October 2026 figures). What you'd pay depends on your state, the tier and the excess you pick; the chart of premiums by state above has the range for each state.
- How much does Hunter Health Insurance pay for a dental check-up?
- Up to $24.00 for a check-up (dental item 012) on its BASIC Hospital + Healthy Extras policy, at a dentist outside its preferred network. The typical extras policy across the market pays $35.20.