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Hospital cover, extras, and combined policies

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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.

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Showing 55 of 55 policies
⚫Defence HealthComprehensive

Connections Hospital Gold

$812.92/mo

$9,755/yr

Excess: $7508/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code J28/NKYH2D

✓Pregnancy & birth
✓Heart & vascular
✓Joint replacements
✓Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Gold
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🟢ahmComprehensive

elite gold copay

$792.70/mo

$9,512/yr

8/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code J139/NICC2D

✓Pregnancy & birth
✓Heart & vascular
✓Joint replacements
✓Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Gold
•No excess
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🟡Australian UnityComprehensive

Complete Hospital (Gold)

$863.20/mo

$10,358/yr

Excess: $7508/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code J59/NHPT2D

✓Pregnancy & birth
✓Heart & vascular
✓Joint replacements
✓Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Gold
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🔵BupaComprehensive

Gold Comprehensive Hospital $750 Excess

$828.90/mo

$9,947/yr

Excess: $7508/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code H73B/NRXG2D

✓Pregnancy & birth
✓Heart & vascular
✓Joint replacements
✓Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Gold
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🔶CBHSComprehensive

Complete Gold Hospital $750 Excess

$588.64/mo

$7,064/yr

Excess: $7508/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code H5C/NBLI2D

✓Pregnancy & birth
✓Heart & vascular
✓Joint replacements
✓Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Gold
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🟤GMHBAComprehensive

GMHBA Gold Optimum $750

$886.10/mo

$10,633/yr

Excess: $7508/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code H69/NLKW2D

✓Pregnancy & birth
✓Heart & vascular
✓Joint replacements
✓Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Gold
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🔴HBFComprehensive

Gold Hospital Elevate $750/$1500 Excess

$800.22/mo

$9,603/yr

Excess: $7508/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code H22/NBRIN2D

✓Pregnancy & birth
✓Heart & vascular
✓Joint replacements
✓Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Gold
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🟣HCFComprehensive

HCF CORPORATE GOLD $750 EXCESS

$640.22/mo

$7,683/yr

Excess: $7508/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code H28K/NMGS2D

✓Pregnancy & birth
✓Heart & vascular
✓Joint replacements
✓Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Gold
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🟠MedibankComprehensive

Premium Gold Hospital

$486.80/mo

$5,842/yr

Excess: $7508/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code J111/NMGB2D

✓Pregnancy & birth
✓Heart & vascular
✓Joint replacements
✓Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Gold
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🔷nibComprehensive

Qantas Gold Top Hospital $750 Excess

$939.50/mo

$11,274/yr

Excess: $7508/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code J106/NUGV2D

✓Pregnancy & birth
✓Heart & vascular
✓Joint replacements
✓Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Gold
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🟩Teachers HealthBasic

Basic Hospital (Basic Plus)

$258.90/mo

$3,107/yr

Excess: $3001/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code J10/NAXU2D

✓Pregnancy & birth
✓Heart & vascular
✓Joint replacements
✓Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Basic Plus
•Excess $300
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🟩Teachers HealthComprehensive

Top Hospital 500 (Gold)

$504.42/mo

$6,053/yr

Excess: $5008/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code J6E/NBFZ2D

✓Pregnancy & birth
✓Heart & vascular
✓Joint replacements
✓Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Gold
•Excess $500
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

⚫Defence HealthStandard

Core Hospital Silver Plus 750

$349.38/mo

$4,193/yr

Excess: $7503/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code J21/NHBZ2D

✗Pregnancy & birth
✓Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Silver Plus
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🟢ahmStandard

essentials silver plus

$314.60/mo

$3,775/yr

Excess: $7503/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code J121/NHFZ2D

✗Pregnancy & birth
✓Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Silver Plus
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🟡Australian UnityStandard

Midpoint Hospital (Silver Plus)

$379.45/mo

$4,553/yr

Excess: $7503/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code J58/NHBD2D

✗Pregnancy & birth
✓Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Silver Plus
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🔵BupaStandard

Silver Plus Classic Hospital $750 Excess

$319.60/mo

$3,835/yr

Excess: $7502/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code H81C/NTSC2D

✗Pregnancy & birth
✓Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Silver Plus
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🔶CBHSStandard

Everyday Silver Plus Hospital $750 Excess

$313.04/mo

$3,756/yr

Excess: $7503/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code H7C/NBXT2D

✗Pregnancy & birth
✓Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Silver Plus
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🟤GMHBAStandard

Frank Silver Hospital

$335.90/mo

$4,031/yr

Excess: $7502/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code J19/NAZS2D

✗Pregnancy & birth
✓Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Silver
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🟤GMHBAStandard

GMHBA Silver Plus Hospital $750

$350.55/mo

$4,207/yr

Excess: $7503/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code H43C/NKGC2D

✗Pregnancy & birth
✓Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Silver Plus
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🔴HBFStandard

Essential Silver Hospital $750/$1500 Excess

$325.41/mo

$3,905/yr

Excess: $7503/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code H25/NBVUB2D

✗Pregnancy & birth
✓Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Silver Plus
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🟣HCFStandard

HCF CORPORATE CARE SILVER PLUS HOSPITAL $750 EXCESS

$328.10/mo

$3,937/yr

Excess: $7503/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code H41K/NRMD2D

✗Pregnancy & birth
✓Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Silver Plus
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🟠MedibankStandard

Medibank Silver Plus Core

$315.30/mo

$3,784/yr

Excess: $7502/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code J116/NODO2D

✗Pregnancy & birth
✓Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Silver Plus
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🔷nibStandard

Silver Secure Hospital Plus $750 Excess

$356.92/mo

$4,283/yr

Excess: $7503/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code J114/NWBY2D

✗Pregnancy & birth
✓Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Silver Plus
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🔷nibStandard

Real Silver Hospital $750 Excess

$374.92/mo

$4,499/yr

Excess: $7502/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code J99/NSVU2D

✗Pregnancy & birth
✓Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Silver
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🟩Teachers HealthStandard

Mid Classic 500 (Silver Plus)

$356.10/mo

$4,273/yr

Excess: $5003/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code J11/NCGY2D

✗Pregnancy & birth
✓Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Silver Plus
•Excess $500
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

⚫Defence HealthBasic

Saver Hospital Bronze Plus

$262.30/mo

$3,148/yr

Excess: $7501/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code J31/NLDD2D

✗Pregnancy & birth
✗Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Bronze Plus
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

⚫Defence HealthBasic

Starter Hospital Basic Plus

$220.00/mo

$2,640/yr

Excess: $7501/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code J30/NLGC2D

✗Pregnancy & birth
✗Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Basic Plus
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🟢ahmBasic

core hospital (basic+)

$234.20/mo

$2,810/yr

Excess: $7501/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code J133/NHUG2D

✗Pregnancy & birth
✗Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Basic Plus
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🟢ahmBasic

simple bronze plus

$257.90/mo

$3,095/yr

Excess: $7501/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code J120/NGYU2D

✗Pregnancy & birth
✗Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Bronze Plus
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🟡Australian UnityBasic

Core Hospital (Bronze Plus)

$289.70/mo

$3,476/yr

Excess: $7501/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code J57/NGXX2D

✗Pregnancy & birth
✗Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Bronze Plus
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🔵BupaBasic

Basic Plus Starter Hospital $750 Excess

$237.90/mo

$2,855/yr

Excess: $7501/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code H47B/NKVX2D

✗Pregnancy & birth
✗Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Basic Plus
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🔵BupaBasic

Bronze Plus Simple Hospital $750 Excess

$263.60/mo

$3,163/yr

Excess: $7501/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code H48C/NMQS2D

✗Pregnancy & birth
✗Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Bronze Plus
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🔶CBHSBasic

Starter Basic Plus Hospital $750 Excess

$238.33/mo

$2,860/yr

Excess: $7501/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code H9C/NBZC2D

✗Pregnancy & birth
✗Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Basic Plus
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🔶CBHSBasic

Value Bronze Plus Hospital $750 Excess

$260.95/mo

$3,131/yr

Excess: $7501/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code H8C/NCCU2D

✗Pregnancy & birth
✗Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Bronze Plus
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🟤GMHBABasic

Frank Bronze Plus Hospital

$278.20/mo

$3,338/yr

Excess: $7501/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code H75/NLSP2D

✗Pregnancy & birth
✗Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Bronze Plus
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🟤GMHBABasic

Frank Basic Plus Hospital

$223.20/mo

$2,678/yr

Excess: $7501/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code H57/NKKY2D

✗Pregnancy & birth
✗Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Basic Plus
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🔴HBFBasic

Lite Bronze Hospital Plus $750/$1500 Excess

$262.67/mo

$3,152/yr

Excess: $7501/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code H24/NBSQW2D

✗Pregnancy & birth
✗Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Bronze Plus
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🔴HBFBasic

Basic Hospital Plus $750/$1500 Excess

$233.51/mo

$2,802/yr

Excess: $7501/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code H19/NBJKR2D

✗Pregnancy & birth
✗Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Basic Plus
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🟣HCFBasic

HCF HOSPITAL BRONZE PLUS $750 EXCESS

$272.88/mo

$3,275/yr

Excess: $7501/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code H30K/NLYQ2D

✗Pregnancy & birth
✗Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Bronze Plus
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🟣HCFBasic

HCF Hospital Basic Plus $750 Excess

$226.46/mo

$2,718/yr

Excess: $7501/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code H35R/NPPP2D

✗Pregnancy & birth
✗Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Basic Plus
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🟠MedibankBasic

Medibank Bronze Plus Value

$254.60/mo

$3,055/yr

Excess: $7501/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code J128/NQCQ2D

✗Pregnancy & birth
✗Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Bronze Plus
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🟠MedibankBasic

Medibank Basic Plus Select

$237.70/mo

$2,852/yr

Excess: $7501/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code J135/NQZH2D

✗Pregnancy & birth
✗Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Basic Plus
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🔷nibBasic

Bronze Protect Hospital Plus $750 Excess

$292.72/mo

$3,513/yr

Excess: $7501/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code J113/NVYT2D

✗Pregnancy & birth
✗Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Bronze Plus
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🔷nibBasic

Basic Care Hospital Plus $750 Excess

$256.84/mo

$3,082/yr

Excess: $7501/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code J112/NVVC2D

✗Pregnancy & birth
✗Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Basic Plus
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🟢ahmBasic

ambulance hospital (basic)

$205.20/mo

$2,462/yr

Excess: $7500/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code J131/NHNU2D

✗Pregnancy & birth
✗Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Basic
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🟢ahmBasic

starter bronze

$243.90/mo

$2,927/yr

Excess: $7500/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code J9A/NELL2D

✗Pregnancy & birth
✗Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Bronze
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🔵BupaBasic

Bronze Hospital $750 Excess

$250.00/mo

$3,000/yr

Excess: $7500/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code H78C/NTID2D

✗Pregnancy & birth
✗Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Bronze
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🔵BupaBasic

Basic Accident Only Hospital $750 Excess

$219.30/mo

$2,632/yr

Excess: $7500/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code H46B/NLAR2D

✗Pregnancy & birth
✗Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Basic
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🟤GMHBABasic

Frank Bronze Hospital

$263.65/mo

$3,164/yr

Excess: $7500/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code H46/NIXV2D

✗Pregnancy & birth
✗Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Bronze
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🟤GMHBABasic

Frank Basic Accident Boost Hospital

$208.10/mo

$2,497/yr

Excess: $7500/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code H78/NLYB2D

✗Pregnancy & birth
✗Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Basic
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🔴HBFBasic

Basic Hospital Accident Only $750/$1500 Excess

$210.74/mo

$2,529/yr

Excess: $7500/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code H23/NBSHZ2D

✗Pregnancy & birth
✗Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Basic
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🟣HCFBasic

HCF Reciprocal Health Cover Basic

$210.10/mo

$2,521/yr

Excess: $7500/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code H6L/NPZO2D

✗Pregnancy & birth
✗Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Basic
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🟣HCFBasic

HCF HOSPITAL BRONZE $750 EXCESS

$252.62/mo

$3,031/yr

Excess: $7500/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code H37K/NQAV2D

✗Pregnancy & birth
✗Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Bronze
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🔷nibBasic

Basic Accident Hospital $750 Excess

$234.85/mo

$2,818/yr

Excess: $7500/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code J95/NSBM2D

✗Pregnancy & birth
✗Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Basic
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

🔷nibBasic

Bronze Hospital $750 Excess

$297.62/mo

$3,571/yr

Excess: $7500/8 features

Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, NSW/ACT. Source · Product code J96/NSEE2D

✗Pregnancy & birth
✗Heart & vascular
✗Joint replacements
✗Cataracts
✓Psychiatric care
✓Rehabilitation
•Government tier: Bronze
•Excess $750
•Exempt from Medicare Levy Surcharge
Get quote →

Premium is the published NSW/ACT family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.

All 55 premiums on this page are sourced. These are the published NSW / ACT rates for family 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.