Health insurance leaderboard29 policies14 October 2026
The cheapest hospital cover at Silver and Silver Plus.
Rank by
- First$1,432a year after the rebateessentials silver plusahmSilver Plus · 29 of 38 categories covered, plus accidentsGo to site
- Second$1,436a year after the rebateMedibank Silver Plus CoreMedibankSilver Plus · 28 of 38 categories covered, plus accidentsGo to site
- Third$1,446a year after the rebateEssential Silver Hospital $750/$1500 ExcessHBFSilver Plus · 29 of 38 categories covered, plus accidentsGo to site
Ranked by what a single pays for a year after the government rebate, cheapest first: Silver and Silver 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 29 insurers, not the whole market.
The other 26 policies
Ranked by what a single pays for a year after the government rebate, cheapest first: Silver and Silver Plus hospital cover, sold on its own, with a $750 excess a stay.
| # | Policy | Tier | Covers | A month | Silver hospital | Links |
|---|---|---|---|---|---|---|
| 4 |  | Silver Plus | 27 of 38 + accidents | $120.97 | $1,452a year after the rebate$19.30 more than first ranked | Go to site |
| 5 |  | Silver Plus | 28 of 38 + accidents | $121.26 | $1,455a year after the rebate$22.76 more than first ranked | Go to site |
| 6 |  | Silver Plus | 29 of 38 + accidents | $125.96 | $1,511a year after the rebate$79.13 more than first ranked | Go to site |
| 7 |  | Silver Plus | 29 of 38 + accidents | $126.07 | $1,513a year after the rebate$80.50 more than first ranked | Go to site |
| 8 |  | Silver | 26 of 38 | $127.44 | $1,529a year after the rebate$96.98 more than first ranked | Go to site |
| 9 |  | Silver Plus | 30 of 38 + accidents | $127.91 | $1,535a year after the rebate$103 more than first ranked | Go to site |
| 10 |  | Silver Plus | 28 of 38 + accidents | $127.94 | $1,535a year after the rebate$103 more than first ranked | Go to site |
| 11 |  | Silver Plus | 29 of 38 + accidents | $130.35 | $1,564a year after the rebate$132 more than first ranked | Go to site |
| 12 |  | Silver Plus | 29 of 38 + accidents | $132.98 | $1,596a year after the rebate$163 more than first ranked | Go to site |
| 13 |  | Silver Plus | 29 of 38 + accidents | $134.46 | $1,614a year after the rebate$181 more than first ranked | Go to site |
| 14 | Qantas Silver Plus Standard $750 ExcessQantas Insurance | Silver Plus | 29 of 38 + accidents | $137.82 | $1,654a year after the rebate$221 more than first ranked | Go to site |
| 15 |  | Silver Plus | 29 of 38 | $137.93 | $1,655a year after the rebate$223 more than first ranked | Go to site |
| 16 |  | Silver | 28 of 38 + accidents | $138.40 | $1,661a year after the rebate$228 more than first ranked | Go to site |
| 17 |  | Silver Plus | 29 of 38 | $138.64 | $1,664a year after the rebate$231 more than first ranked | Go to site |
| 18 |  | Silver Plus | 29 of 38 + accidents | $139.09 | $1,669a year after the rebate$237 more than first ranked | Go to site |
| 19 | ING Silver Hospital $750 ExcessING Health Insurance | Silver | 27 of 38 + accidents | $139.40 | $1,673a year after the rebate$240 more than first ranked | Go to site |
| 20 |  | Silver | 26 of 38 + accidents | $139.53 | $1,674a year after the rebate$242 more than first ranked | Go to site |
| 21 |  | Silver Plus | 31 of 38 + accidents | $140.77 | $1,689a year after the rebate$257 more than first ranked | Go to site |
| 22 | Suncorp Health Insurance Silver Everyday Hospital Plus $750 Excess | Silver Plus | 31 of 38 + accidents | $142.58 | $1,711a year after the rebate$279 more than first ranked | Go to site |
| 23 |  | Silver Plus | 30 of 38 + accidents | $143.86 | $1,726a year after the rebate$294 more than first ranked | Go to site |
| 24 |  | Silver | 26 of 38 + accidents | $145.30 | $1,744a year after the rebate$311 more than first ranked | Go to site |
| 25 |  | Silver Plus | 31 of 38 | $169.70 | $2,036a year after the rebate$604 more than first ranked | Go to site |
| 26 |  | Silver Plus | 30 of 38 | $176.12 | $2,113a year after the rebate$681 more than first ranked | Go to site |
| 27 |  | Silver Plus | 33 of 38 + accidents | $184.48 | $2,214a year after the rebate$781 more than first ranked | Go to site |
| 28 |  | Silver Plus | 34 of 38 + accidents | $195.12 | $2,341a year after the rebate$909 more than first ranked | Go to site |
| 29 |  | Silver Plus | 33 of 38 + accidents | $197.52 | $2,370a year after the rebate$938 more than first ranked | Go to site |
- 4Silver Plus Support Hospital 750Phoenix Health Fund$1,452a year after the rebate$19.30 more than first rankedSilver Plus · 27 of 38 categories covered, plus accidents
- 5Silver Plus Classic Hospital $750 ExcessBupa$1,455a year after the rebate$22.76 more than first rankedSilver Plus · 28 of 38 categories covered, plus accidents
- 6HCF Hospital Standard Silver Plus$1,511a year after the rebate$79.13 more than first rankedSilver Plus · 29 of 38 categories covered, plus accidents
- 7Silver Plus Everyday 750 HospitalWestfund$1,513a year after the rebate$80.50 more than first rankedSilver Plus · 29 of 38 categories covered, plus accidents
- 8Frank Silver HospitalFrank Health Insurance$1,529a year after the rebate$96.98 more than first rankedSilver · 26 of 38 categories covered
- 9Silver Plus Standard Hospital $750 ExcessRT Health$1,535a year after the rebate$103 more than first rankedSilver Plus · 30 of 38 categories covered, plus accidents
- 10Essential Silver Plus Hospital 750 ExcessLatrobe Health Services$1,535a year after the rebate$103 more than first rankedSilver Plus · 28 of 38 categories covered, plus accidents
- 11Silver Secure Hospital Plus $750 Excessnib$1,564a year after the rebate$132 more than first rankedSilver Plus · 29 of 38 categories covered, plus accidents
- 12GMHBA Silver Plus Hospital $750$1,596a year after the rebate$163 more than first rankedSilver Plus · 29 of 38 categories covered, plus accidents
- 13Signature Hospital (Silver+) $750 excessQueensland Country Health Fund$1,614a year after the rebate$181 more than first rankedSilver Plus · 29 of 38 categories covered, plus accidents
- 14Qantas Silver Plus Standard $750 ExcessQantas Insurance$1,654a year after the rebate$221 more than first rankedSilver Plus · 29 of 38 categories covered, plus accidents
- 15Silver Plus Essentials Hospital $750Peoplecare$1,655a year after the rebate$223 more than first rankedSilver Plus · 29 of 38 categories covered
- 16Apia Silver Hospital $750 ExcessApia Health Insurance$1,661a year after the rebate$228 more than first rankedSilver · 28 of 38 categories covered, plus accidents
- 17Silver Hospital $750/$1500HIF$1,664a year after the rebate$231 more than first rankedSilver Plus · 29 of 38 categories covered
- 18Midpoint Hospital (Silver Plus)Australian Unity$1,669a year after the rebate$237 more than first rankedSilver Plus · 29 of 38 categories covered, plus accidents
- 19ING Silver Hospital $750 ExcessING Health Insurance$1,673a year after the rebate$240 more than first rankedSilver · 27 of 38 categories covered, plus accidents
- 20Real Silver Hospital $750 ExcessReal Health Insurance$1,674a year after the rebate$242 more than first rankedSilver · 26 of 38 categories covered, plus accidents
- 21AAMI Silver Everyday Hospital Plus $750 ExcessAAMI Health Insurance$1,689a year after the rebate$257 more than first rankedSilver Plus · 31 of 38 categories covered, plus accidents
- 22Suncorp Health Insurance Silver Everyday Hospital Plus $750 Excess$1,711a year after the rebate$279 more than first rankedSilver Plus · 31 of 38 categories covered, plus accidents
- 23Silver Hospital Plus Lite $750 ExcessHealth Partners$1,726a year after the rebate$294 more than first rankedSilver Plus · 30 of 38 categories covered, plus accidents
- 24Silver Hospital 750AIA Health Insurance$1,744a year after the rebate$311 more than first rankedSilver · 26 of 38 categories covered, plus accidents
- 25Silver Plus Secure Hospital $750 excessHCi$2,036a year after the rebate$604 more than first rankedSilver Plus · 31 of 38 categories covered
- 26Silver Plus Hospital 750St.LukesHealth$2,113a year after the rebate$681 more than first rankedSilver Plus · 30 of 38 categories covered
- 27Silver+ Hospital Cover Excess 3 $750Hunter Health Insurance$2,214a year after the rebate$781 more than first rankedSilver Plus · 33 of 38 categories covered, plus accidents
- 28Premium Hospital Non-Obstetrics $750 Excess (Silver Plus)see-u by HBF$2,341a year after the rebate$909 more than first rankedSilver Plus · 34 of 38 categories covered, plus accidents
- 29Seniors Silver Plus Hospital $750 ExcessSeniors Health Insurance$2,370a year after the rebate$938 more than first rankedSilver Plus · 33 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. Queensland and Western Australia have boards of their own.
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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 Silver or Silver Plus hospital cover with a $750 excess tracked by BankMate, for a single in NSW and ACT after the rebate, is essentials silver plus from ahm at $1,432 a year. How we rank →