Compare Health Insurance
Hospital cover, extras, and combined policies
Health premiums are set by state and by who is covered, so these choices change the actual published rate — not just which results are shown.
What cover costs where you live
Connections Hospital Gold
$406.46/mo
$4,878/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code J28/NKXM10
We earn nothing if you click through to Defence Health. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
elite gold copay
$399.95/mo
$4,799/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code J139/NICE10
We earn nothing if you click through to ahm. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Complete Hospital (Gold)
$431.60/mo
$5,179/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code J59/NHPL10
We earn nothing if you click through to Australian Unity. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Gold Comprehensive Hospital $750 Excess
$414.45/mo
$4,973/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code H73B/NRVQ10
We earn nothing if you click through to Bupa. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
GMHBA Gold Optimum $750
$443.05/mo
$5,317/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code H69/NLKT10
We earn nothing if you click through to GMHBA. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Gold Hospital Elevate $750/$1500 Excess
$421.18/mo
$5,054/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code H22/NBRIO10
We earn nothing if you click through to HBF. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
HCF CORPORATE GOLD $750 EXCESS
$320.11/mo
$3,841/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code H28K/NMGQ10
We earn nothing if you click through to HCF. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Premium Gold Hospital
$243.40/mo
$2,921/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code J111/NMGA10
We earn nothing if you click through to Medibank. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Qantas Gold Top Hospital $750 Excess
$458.42/mo
$5,501/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code J106/NUGU10
We earn nothing if you click through to nib. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Top Hospital 500 (Gold)
$252.21/mo
$3,027/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code J6C/NAKY10
We earn nothing if you click through to Teachers Health. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Core Hospital Silver Plus 750
$174.69/mo
$2,096/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code J21/NHBW10
We earn nothing if you click through to Defence Health. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
essentials silver plus
$157.30/mo
$1,888/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code J121/NHFX10
We earn nothing if you click through to ahm. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Midpoint Hospital (Silver Plus)
$183.30/mo
$2,200/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code J58/NHBF10
We earn nothing if you click through to Australian Unity. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
GMHBA Silver Plus Hospital $750
$175.25/mo
$2,103/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code H43C/NKGE10
We earn nothing if you click through to GMHBA. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Essential Silver Hospital $750/$1500 Excess
$158.78/mo
$1,905/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code H25/NBVTW10
We earn nothing if you click through to HBF. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
HCF CORPORATE CARE SILVER PLUS HOSPITAL $750 EXCESS
$164.05/mo
$1,969/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code H41K/NRMB10
We earn nothing if you click through to HCF. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Silver Hospital
$180.68/mo
$2,168/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code J76/NOAA10
We earn nothing if you click through to nib. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Silver Secure Hospital Plus $750 Excess
$171.78/mo
$2,061/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code J114/NWBV10
We earn nothing if you click through to nib. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Mid Classic 500 (Silver Plus)
$178.05/mo
$2,137/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code J11/NCHC10
We earn nothing if you click through to Teachers Health. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Silver Plus Classic Hospital $750 Excess
$159.80/mo
$1,918/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code H81C/NTRZ10
We earn nothing if you click through to Bupa. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Frank Silver Hospital
$167.95/mo
$2,015/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code J19/NAYB10
We earn nothing if you click through to GMHBA. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Medibank Silver Plus Core
$157.65/mo
$1,892/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code J116/NODM10
We earn nothing if you click through to Medibank. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Saver Hospital Bronze Plus
$122.00/mo
$1,464/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code J31/NLDA10
We earn nothing if you click through to Defence Health. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Starter Hospital Basic Plus
$110.00/mo
$1,320/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code J30/NLCQ10
We earn nothing if you click through to Defence Health. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
simple bronze plus
$128.95/mo
$1,547/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code J120/NGYT10
We earn nothing if you click through to ahm. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
core hospital (basic+)
$117.10/mo
$1,405/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code J133/NHUF10
We earn nothing if you click through to ahm. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Core Hospital (Bronze Plus)
$140.05/mo
$1,681/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code J57/NGXZ10
We earn nothing if you click through to Australian Unity. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Simple Hospital (Basic Plus)
$117.85/mo
$1,414/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code J34/NCFJ10
We earn nothing if you click through to Australian Unity. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Basic Plus Starter Hospital $750 Excess
$118.95/mo
$1,427/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code H47B/NKVJ10
We earn nothing if you click through to Bupa. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Bronze Plus Simple Hospital $750 Excess
$131.80/mo
$1,582/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code H48C/NMQQ10
We earn nothing if you click through to Bupa. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Frank Bronze Plus Hospital
$139.10/mo
$1,669/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code H75/NLSM10
We earn nothing if you click through to GMHBA. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Frank Basic Plus Hospital
$111.60/mo
$1,339/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code H57/NKKW10
We earn nothing if you click through to GMHBA. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Lite Bronze Hospital Plus $750/$1500 Excess
$125.10/mo
$1,501/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code H24/NBSQX10
We earn nothing if you click through to HBF. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Basic Hospital Plus $750/$1500 Excess
$116.76/mo
$1,401/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code H19/NBJKS10
We earn nothing if you click through to HBF. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
HCF Hospital Basic Plus $750 Excess
$113.23/mo
$1,359/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code H35R/NPPN10
We earn nothing if you click through to HCF. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
HCF HOSPITAL BRONZE PLUS $750 EXCESS
$136.44/mo
$1,637/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code H30K/NLYO10
We earn nothing if you click through to HCF. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Medibank Bronze Plus Value
$127.30/mo
$1,528/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code J128/NQCO10
We earn nothing if you click through to Medibank. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Medibank Basic Plus Select
$118.85/mo
$1,426/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code J135/NQZF10
We earn nothing if you click through to Medibank. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Basic Care Hospital Plus $750 Excess
$122.54/mo
$1,470/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code J112/NVVE10
We earn nothing if you click through to nib. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Bronze Protect Hospital Plus $750 Excess
$136.49/mo
$1,638/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code J113/NVYV10
We earn nothing if you click through to nib. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Basic Hospital (Basic Plus)
$129.45/mo
$1,553/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code J10/NASJ10
We earn nothing if you click through to Teachers Health. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
starter bronze
$121.95/mo
$1,463/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code J9A/NELJ10
We earn nothing if you click through to ahm. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
ambulance hospital (basic)
$102.60/mo
$1,231/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code J131/NHNT10
We earn nothing if you click through to ahm. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Basic Accident Only Hospital $750 Excess
$109.65/mo
$1,316/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code H46B/NLAD10
We earn nothing if you click through to Bupa. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Bronze Hospital $750 Excess
$125.00/mo
$1,500/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code H78C/NTIE10
We earn nothing if you click through to Bupa. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Frank Bronze Hospital
$131.85/mo
$1,582/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code H46/NIXT10
We earn nothing if you click through to GMHBA. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Frank Basic Accident Boost Hospital
$104.05/mo
$1,249/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code H78/NLXY10
We earn nothing if you click through to GMHBA. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Basic Hospital Accident Only $750/$1500 Excess
$105.37/mo
$1,264/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code H23/NBSIA10
We earn nothing if you click through to HBF. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
HCF Reciprocal Health Cover Basic
$105.05/mo
$1,261/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code H6L/NPZL10
We earn nothing if you click through to HCF. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
HCF HOSPITAL BRONZE $750 EXCESS
$126.31/mo
$1,516/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code H37K/NQAQ10
We earn nothing if you click through to HCF. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Medibank Basic Accident and Ambulance
$111.60/mo
$1,339/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code J19/NJNJ10
We earn nothing if you click through to Medibank. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Basic Accident Hospital $750 Excess
$114.68/mo
$1,376/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code J95/NSBO10
We earn nothing if you click through to nib. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Bronze Hospital $750 Excess
$135.72/mo
$1,629/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Single cover, NSW/ACT. Source · Product code J96/NSEG10
We earn nothing if you click through to nib. Premium is the published NSW/ACT single rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
All 53 premiums on this page are sourced. These are the published NSW / ACT rates for single cover, shown monthly before the Australian Government Rebate — so most people pay less than the figure shown. The policies here are a sample of the market, not all available products, and a provider’s absence says nothing about its quality. Read our full methodology.
Honest Insurance may receive a referral fee from insurers, which never affects ranking. We are not a financial adviser and this is not a recommendation. Read the PDS before purchasing.