Family health insurance in NSW / ACT
51 hospital policies from 10 funds, starting at $205/month. Every premium below is the rate the insurer has published with the Commonwealth for family cover in NSW / ACT — not an estimate.
Premiums are monthly at 100%, before the Australian Government Rebate, which reduces what most people actually pay based on age and income. Verified 1 August 2026 from PrivateHealth.gov.au open data. How we compare.
What each government tier costs
Hospital cover is graded into four government tiers (plus “Plus” variants that add cover above the minimum). Higher tiers must cover more clinical categories — Gold is the only tier required to cover pregnancy and birth.
| Tier | Cheapest | From | Range across funds |
|---|---|---|---|
| Gold | 🟠 Medibank | $487/mo | $487–$940 across 10 policies |
| Silver Plus | 🟢 ahm | $315/mo | $315–$379 across 10 policies |
| Silver | 🟤 GMHBA | $336/mo | $336–$375 across 2 policies |
| Bronze Plus | 🟠 Medibank | $255/mo | $255–$293 across 9 policies |
| Bronze | 🟢 ahm | $244/mo | $244–$298 across 5 policies |
| Basic Plus | ⚫ Defence Health | $220/mo | $220–$259 across 9 policies |
| Basic | 🟢 ahm | $205/mo | $205–$235 across 6 policies |