The cheapest hospital cover at Gold.
- First$2,263a year after the rebateFive Star Gold $750 Excess - F4Mildura Health FundGo to site
- Second$2,916a year after the rebateGold Hospital 750St.LukesHealthGo to site
- Third$3,538a year after the rebateMedibank Gold ProtectMedibankGo to site
Ranked by what a single pays for a year after the government rebate, cheapest first: Gold hospital cover, which covers all 38 categories by law, 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 13 insurers, not the whole market.
The other 10 policies
Ranked by what a single pays for a year after the government rebate, cheapest first: Gold hospital cover, which covers all 38 categories by law, sold on its own, with a $750 excess a stay.
| # | Policy | A month | Gold hospital | Links |
|---|---|---|---|---|
| 4 |  | $307.94 | $3,695a year after the rebate$1,432 more than first ranked | Go to site |
| 5 |  | $314.49 | $3,774a year after the rebate$1,511 more than first ranked | Go to site |
| 6 |  | $319.60 | $3,835a year after the rebate$1,572 more than first ranked | Go to site |
| 7 |  | $336.20 | $4,034a year after the rebate$1,771 more than first ranked | Go to site |
| 8 |  | $343.02 | $4,116a year after the rebate$1,853 more than first ranked | Go to site |
| 9 | Qantas Gold Top Hospital $750 ExcessQantas Insurance | $347.86 | $4,174a year after the rebate$1,911 more than first ranked | Go to site |
| 10 |  | $351.39 | $4,217a year after the rebate$1,953 more than first ranked | Go to site |
| 11 |  | $351.46 | $4,217a year after the rebate$1,954 more than first ranked | Go to site |
| 12 | ING Gold Hospital $750 ExcessING Health Insurance | $351.90 | $4,223a year after the rebate$1,959 more than first ranked | Go to site |
| 13 |  | $351.93 | $4,223a year after the rebate$1,960 more than first ranked | Go to site |
- 4Gold Ultimate 750 HospitalWestfund$3,695a year after the rebate$1,432 more than first ranked
- 5Gold Comprehensive Hospital $750 ExcessBupa$3,774a year after the rebate$1,511 more than first ranked
- 6Gold Hospital Elevate $750/$1500 ExcessHBF$3,835a year after the rebate$1,572 more than first ranked
- 7GMHBA Gold Optimum $750$4,034a year after the rebate$1,771 more than first ranked
- 8Gold Hospital Advantage $750 ExcessHealth Partners$4,116a year after the rebate$1,853 more than first ranked
- 9Qantas Gold Top Hospital $750 ExcessQantas Insurance$4,174a year after the rebate$1,911 more than first ranked
- 10AAMI Gold Hospital $750 ExcessAAMI Health Insurance$4,217a year after the rebate$1,953 more than first ranked
- 11Seniors Gold HospitalSeniors Health Insurance$4,217a year after the rebate$1,954 more than first ranked
- 12ING Gold Hospital $750 ExcessING Health Insurance$4,223a year after the rebate$1,959 more than first ranked
- 13Real Gold Hospital $750 ExcessReal Health Insurance$4,223a year after the rebate$1,960 more than first ranked
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. The same policy is also the cheapest in QLD and WA.
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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 Gold hospital cover with a $750 excess tracked by BankMate, for a single in NSW and ACT after the rebate, is Five Star Gold $750 Excess - F4 from Mildura Health Fund at $2,263 a year. How we rank →