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
$812.92/mo
$9,755/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code J28/NKXT20
Premium is the published NSW/ACT couple rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
elite gold copay
$792.70/mo
$9,512/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code J139/NICB20
Premium is the published NSW/ACT couple rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Complete Hospital (Gold)
$863.20/mo
$10,358/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code J59/NHPM20
Premium is the published NSW/ACT couple 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
$828.90/mo
$9,947/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code H73B/NRXK20
Premium is the published NSW/ACT couple rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Complete Gold Hospital $750 Excess
$588.64/mo
$7,064/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code H5C/NBUB20
Premium is the published NSW/ACT couple 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
$886.10/mo
$10,633/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code H69/NLKU20
Premium is the published NSW/ACT couple 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
$758.11/mo
$9,097/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code H22/NBRIM20
Premium is the published NSW/ACT couple 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
$640.22/mo
$7,683/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code H28K/NMGR20
Premium is the published NSW/ACT couple rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Premium Gold Hospital
$486.80/mo
$5,842/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code J111/NMFY20
Premium is the published NSW/ACT couple 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
$903.21/mo
$10,839/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code J106/NUGZ20
Premium is the published NSW/ACT couple 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)
$258.90/mo
$3,107/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code J10/NAXO20
Premium is the published NSW/ACT couple 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)
$504.42/mo
$6,053/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code J6E/NCVU20
Premium is the published NSW/ACT couple 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
$349.38/mo
$4,193/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code J21/NHBX20
Premium is the published NSW/ACT couple rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
essentials silver plus
$314.60/mo
$3,775/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code J121/NHGB20
Premium is the published NSW/ACT couple 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)
$366.60/mo
$4,399/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code J58/NHBE20
Premium is the published NSW/ACT couple 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
$319.60/mo
$3,835/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code H81C/NTSA20
Premium is the published NSW/ACT couple rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Everyday Silver Plus Hospital $750 Excess
$313.04/mo
$3,756/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code H7C/NBYB20
Premium is the published NSW/ACT couple 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
$350.55/mo
$4,207/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code H43C/NKGD20
Premium is the published NSW/ACT couple rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Frank Silver Hospital
$335.90/mo
$4,031/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code J19/NAZL20
Premium is the published NSW/ACT couple 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
$317.51/mo
$3,810/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code H25/NBVTR20
Premium is the published NSW/ACT couple 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
$328.10/mo
$3,937/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code H41K/NRMC20
Premium is the published NSW/ACT couple 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
$315.30/mo
$3,784/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code J116/NODN20
Premium is the published NSW/ACT couple 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
$343.56/mo
$4,123/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code J114/NWBX20
Premium is the published NSW/ACT couple rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Apia Silver Hospital $750 Excess
$361.22/mo
$4,335/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code J77/NPPA20
Premium is the published NSW/ACT couple 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)
$356.10/mo
$4,273/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code J11/NBTY20
Premium is the published NSW/ACT couple 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
$244.00/mo
$2,928/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code J31/NLDB20
Premium is the published NSW/ACT couple 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
$220.00/mo
$2,640/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code J30/NLGA20
Premium is the published NSW/ACT couple rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
simple bronze plus
$257.90/mo
$3,095/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code J120/NGZH20
Premium is the published NSW/ACT couple rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
core hospital (basic+)
$234.20/mo
$2,810/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code J133/NHUJ20
Premium is the published NSW/ACT couple 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)
$280.05/mo
$3,361/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code J57/NGXY20
Premium is the published NSW/ACT couple 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)
$235.70/mo
$2,828/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code J34/NCFK20
Premium is the published NSW/ACT couple 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
$263.60/mo
$3,163/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code H48C/NMQR20
Premium is the published NSW/ACT couple 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
$237.90/mo
$2,855/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code H47B/NKVQ20
Premium is the published NSW/ACT couple rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Value Bronze Plus Hospital $750 Excess
$260.95/mo
$3,131/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code H8C/NCCN20
Premium is the published NSW/ACT couple rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Starter Basic Plus Hospital $750 Excess
$238.33/mo
$2,860/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code H9C/NBYV20
Premium is the published NSW/ACT couple 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
$223.20/mo
$2,678/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code H57/NKKX20
Premium is the published NSW/ACT couple 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
$278.20/mo
$3,338/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code H75/NLSN20
Premium is the published NSW/ACT couple 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
$250.20/mo
$3,002/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code H24/NBSQV20
Premium is the published NSW/ACT couple 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
$233.51/mo
$2,802/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code H19/NBJKP20
Premium is the published NSW/ACT couple 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
$226.46/mo
$2,718/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code H35R/NPPO20
Premium is the published NSW/ACT couple 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
$272.88/mo
$3,275/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code H30K/NLYP20
Premium is the published NSW/ACT couple 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
$237.70/mo
$2,852/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code J135/NQZG20
Premium is the published NSW/ACT couple 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
$254.60/mo
$3,055/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code J128/NQCP20
Premium is the published NSW/ACT couple 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
$272.96/mo
$3,276/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code J113/NVYX20
Premium is the published NSW/ACT couple 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
$245.06/mo
$2,941/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code J112/NVVG20
Premium is the published NSW/ACT couple rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
starter bronze
$243.90/mo
$2,927/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code J9A/NELH20
Premium is the published NSW/ACT couple rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
ambulance hospital (basic)
$205.20/mo
$2,462/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code J131/NHNX20
Premium is the published NSW/ACT couple 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
$250.00/mo
$3,000/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code H78C/NTIH20
Premium is the published NSW/ACT couple 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
$219.30/mo
$2,632/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code H46B/NLAK20
Premium is the published NSW/ACT couple 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
$208.10/mo
$2,497/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code H78/NLXZ20
Premium is the published NSW/ACT couple rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Frank Bronze Hospital
$263.65/mo
$3,164/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code H46/NIXU20
Premium is the published NSW/ACT couple 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
$210.74/mo
$2,529/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code H23/NBSHY20
Premium is the published NSW/ACT couple 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
$210.10/mo
$2,521/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code H6L/NPZM20
Premium is the published NSW/ACT couple 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
$252.62/mo
$3,031/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code H37K/NQAS20
Premium is the published NSW/ACT couple 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
$223.20/mo
$2,678/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code J19/NJNB20
Premium is the published NSW/ACT couple 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
$229.36/mo
$2,752/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code J95/NSBQ20
Premium is the published NSW/ACT couple 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
$271.43/mo
$3,257/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, NSW/ACT. Source · Product code J96/NSEI20
Premium is the published NSW/ACT couple rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
All 57 premiums on this page are sourced. These are the published NSW / ACT rates for couple 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.