HCF vs Medibank
What each sells a single in NSW, priced from the statements every insurer files
Priced for a single in NSW, after the 24.1% rebate (the full rebate), under 65, with no Lifetime Health Cover loading. Answer a few questions to price it for your age and income.
Medibank's cheapest costs $76 a year less than HCF's.
Every Silver or higher hospital policy, a year
Each dot is one hospital policy at Silver or higher with an excess of $750 or less, a year for a single in NSW, after the 24.1% rebate (the full rebate); the filled one is the headline's. Policies with a co-payment on top of the excess are left out.
Priced for a single in NSW, after the 24.1% rebate (the full rebate), with no Lifetime Health Cover loading. HCF's cheapest Silver-or-higher hospital policy with an excess of $750 or less costs $1,511 a year and Medibank's $1,436. At the 1 April 2026 round, HCF's premiums here rose by a median 3.3% and Medibank's 4.8%. Premiums from the Private Health Information Statements every insurer files with PrivateHealth.gov.au, October 2026 release; extras paid back are worked out at typical fees, so yours may differ. Each row says which figure is lower or higher, nothing more.