Health insurance leaderboard26 policies14 October 2026

The cheapest hospital cover at Bronze and Bronze Plus.

  1. First$1,128a year after the rebate
    Phoenix Health Fund logo
    Bronze Hospital 750Phoenix Health Fund
    Bronze · 18 of 38 categories covered, plus accidentsGo to site
  2. Second$1,133a year after the rebate
    ahm logo
    bronze no fussahm
    Bronze · 18 of 38 categories covered, plus accidentsGo to site
  3. Third$1,138a year after the rebate
    Bupa logo
    Bronze Hospital $750 ExcessBupa
    Bronze · 18 of 38 categories covered, plus accidentsGo to site

Ranked by what a single pays for a year after the government rebate, cheapest first: Bronze and Bronze Plus hospital cover, sold on its own, with a $750 excess a stay. Leaves out policies that add a co-payment on top of the excess, policies sold only with the insurer’s extras, and funds only a group’s members can join. Compares 26 insurers, not the whole market.

The other 23 policies

Ranked by what a single pays for a year after the government rebate, cheapest first: Bronze and Bronze Plus hospital cover, sold on its own, with a $750 excess a stay.

  1. 4
    HBF logo
    Lite Bronze Hospital Plus $750/$1500 ExcessHBF
    $1,139a year after the rebate$10.84 more than first rankedBronze Plus · 22 of 38 categories covered, plus accidents
  2. 5
    see-u by HBF logo
    Saver Hospital $750 Excess (Bronze Plus)see-u by HBF
    $1,149a year after the rebate$20.76 more than first rankedBronze Plus · 19 of 38 categories covered, plus accidents
  3. 6
    HCF logo
    HCF Hospital Bronze $750 Excess
    $1,150a year after the rebate$21.85 more than first rankedBronze · 18 of 38 categories covered, plus accidents
  4. 7
    Medibank logo
    Medibank Bronze Plus Value
    $1,159a year after the rebate$30.87 more than first rankedBronze Plus · 24 of 38 categories covered, plus accidents
  5. 8
    Frank Health Insurance logo
    Frank Bronze HospitalFrank Health Insurance
    $1,201a year after the rebate$72.30 more than first rankedBronze · 18 of 38 categories covered
  6. 9
    Westfund logo
    Bronze 750 HospitalWestfund
    $1,201a year after the rebate$72.39 more than first rankedBronze · 18 of 38 categories covered, plus accidents
  7. 10
    Latrobe Health Services logo
    Bronze Hospital 750 ExcessLatrobe Health Services
    $1,201a year after the rebate$72.94 more than first rankedBronze · 18 of 38 categories covered, plus accidents
  8. 11
    nib logo
    Bronze Hospital $750 Excessnib
    $1,236a year after the rebate$108 more than first rankedBronze · 18 of 38 categories covered, plus accidents
  9. 12
    Australian Unity logo
    Core Hospital (Bronze Plus)Australian Unity
    $1,275a year after the rebate$147 more than first rankedBronze Plus · 21 of 38 categories covered, plus accidents
  10. 13
    HIF logo
    Bronze Hospital $750/$1500HIF
    $1,277a year after the rebate$148 more than first rankedBronze · 18 of 38 categories covered
  11. 14
    Peoplecare logo
    Bronze Plus Hospital $750Peoplecare
    $1,281a year after the rebate$153 more than first rankedBronze Plus · 24 of 38 categories covered
  12. 15
    GMHBA logo
    GMHBA Bronze Plus Core Hospital
    $1,290a year after the rebate$162 more than first rankedBronze Plus · 19 of 38 categories covered, plus accidents

NSW and ACT prices. Priced for a single under 65 earning under $105,000, after the full 24.1% rebate, with no Lifetime Health Cover loading or age-based discount, paid monthly. Premiums change each 1 April. Each brand shows its cheapest policy; one policy sold under two brands of one fund is one row. In QLD the cheapest is Bronze Hospital 750 Excess from Latrobe Health Services, at $1,197 a year. In WA the cheapest is bronze no fuss from ahm, at $862 a year.

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Ranked here for one household. The questions price a year at your state, age, income and household, with what your extras pay back.

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As of 14 October 2026, the cheapest Bronze or Bronze Plus hospital cover with a $750 excess tracked by BankMate, for a single in NSW and ACT after the rebate, is Bronze Hospital 750 from Phoenix Health Fund at $1,128 a year. How we rank →