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
$877.56/mo
$10,531/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code J28/VKXY20
Premium is the published VIC 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
$836.50/mo
$10,038/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code J139/VICZ20
Premium is the published VIC 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)
$947.20/mo
$11,366/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code J59/VHPR20
Premium is the published VIC 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
$894.70/mo
$10,736/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code H73B/VRXS20
Premium is the published VIC 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
$644.80/mo
$7,738/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code H5C/VBUG20
Premium is the published VIC 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
$978.80/mo
$11,746/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code H69/VLLK20
Premium is the published VIC 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
$835.37/mo
$10,024/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code H22/VBRII20
Premium is the published VIC 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
$668.32/mo
$8,020/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code H28K/VMHP20
Premium is the published VIC 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
$543.10/mo
$6,517/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code J111/VMHC20
Premium is the published VIC 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
$977.72/mo
$11,733/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code J106/VUHX20
Premium is the published VIC 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)
$275.52/mo
$3,306/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code J10/VAWV20
Premium is the published VIC 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)
$549.44/mo
$6,593/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code J6C/VAMD20
Premium is the published VIC 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
$370.78/mo
$4,449/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code J21/VHCN20
Premium is the published VIC 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
$346.30/mo
$4,156/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code J121/VHHV20
Premium is the published VIC 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)
$382.20/mo
$4,586/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code J58/VGZJ20
Premium is the published VIC 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
$347.00/mo
$4,164/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code H81C/VTTE20
Premium is the published VIC 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
$352.73/mo
$4,233/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code H7C/VBYG20
Premium is the published VIC 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
$360.55/mo
$4,327/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code H43C/VKFJ20
Premium is the published VIC 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
$358.75/mo
$4,305/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code J19/VAYQ20
Premium is the published VIC 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
$338.10/mo
$4,057/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code H25/VBVWG20
Premium is the published VIC 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
$334.90/mo
$4,019/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code H41K/VRNA20
Premium is the published VIC 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
$345.80/mo
$4,150/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code J116/VOGH20
Premium is the published VIC 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
$377.45/mo
$4,529/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code J114/VWEF20
Premium is the published VIC couple rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Silver Hospital
$390.54/mo
$4,686/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code J76/VOCK20
Premium is the published VIC 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)
$386.76/mo
$4,641/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code J11/VCIT20
Premium is the published VIC 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
$266.00/mo
$3,192/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code J31/VLFJ20
Premium is the published VIC 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
$222.00/mo
$2,664/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code J30/VLHE20
Premium is the published VIC 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
$276.00/mo
$3,312/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code J120/VHAW20
Premium is the published VIC 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+)
$235.00/mo
$2,820/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code J133/VHWH20
Premium is the published VIC 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)
$279.65/mo
$3,356/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code J57/VGWD20
Premium is the published VIC 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, VIC. Source · Product code J34/VCFU20
Premium is the published VIC 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
$243.00/mo
$2,916/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code H47B/VKVV20
Premium is the published VIC 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
$275.70/mo
$3,308/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code H48C/VMRP20
Premium is the published VIC 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
$278.29/mo
$3,339/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code H8C/VCCS20
Premium is the published VIC 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
$254.54/mo
$3,054/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code H9C/VBZA20
Premium is the published VIC 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
$286.05/mo
$3,433/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code H75/VLTD20
Premium is the published VIC 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
$225.00/mo
$2,700/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code H57/VKKT20
Premium is the published VIC 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
$261.15/mo
$3,134/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code H24/VBSQR20
Premium is the published VIC 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
$232.64/mo
$2,792/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code H19/VBJKC20
Premium is the published VIC 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 BRONZE PLUS HOSPITAL $750 EXCESS
$290.22/mo
$3,483/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code H40K/VQNE20
Premium is the published VIC 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
$225.90/mo
$2,711/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code H35R/VPPU20
Premium is the published VIC 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
$268.20/mo
$3,218/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code J128/VQFJ20
Premium is the published VIC 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
$242.20/mo
$2,906/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code J135/VRCA20
Premium is the published VIC 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
$243.30/mo
$2,920/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code J112/VVXO20
Premium is the published VIC 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
$288.80/mo
$3,466/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code J113/VWAL20
Premium is the published VIC couple rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
starter bronze
$265.60/mo
$3,187/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code J9A/VENC20
Premium is the published VIC 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)
$204.20/mo
$2,450/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code J131/VHPV20
Premium is the published VIC 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
$225.80/mo
$2,710/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code H46B/VLAP20
Premium is the published VIC 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
$265.80/mo
$3,190/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code H78C/VTJI20
Premium is the published VIC 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
$266.25/mo
$3,195/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code H46/VIYK20
Premium is the published VIC 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
$206.00/mo
$2,472/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code H78/VLYP20
Premium is the published VIC 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
$205.01/mo
$2,460/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code H23/VBSHU20
Premium is the published VIC 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
$214.90/mo
$2,579/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code H6L/VPZR20
Premium is the published VIC 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
$269.96/mo
$3,240/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code H37K/VQCE20
Premium is the published VIC 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
$225.70/mo
$2,708/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code J19/VJNC20
Premium is the published VIC 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
$287.99/mo
$3,456/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code J96/VSFW20
Premium is the published VIC 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
$228.04/mo
$2,736/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Couple cover, VIC. Source · Product code J95/VSDE20
Premium is the published VIC 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 Victoria 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.