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: Family cover, VIC. Source · Product code J28/VKYM2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code J139/VIDA2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code J59/VHPY2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code H73B/VRXR2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code H5C/VBSX2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code H69/VLLM2D
Premium is the published VIC family 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
$881.78/mo
$10,581/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, VIC. Source · Product code H22/VBRIJ2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code H28K/VMHQ2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code J111/VMHF2D
Premium is the published VIC family 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
$1017.42/mo
$12,209/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, VIC. Source · Product code J106/VUHQ2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code J10/VCLU2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code J6E/VBFF2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code J21/VHCP2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code J121/VHHT2D
Premium is the published VIC family 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)
$395.60/mo
$4,747/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, VIC. Source · Product code J58/VGZI2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code H81C/VTTC2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code H7C/VBXY2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code H43C/VKFK2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code J19/VAZU2D
Premium is the published VIC family 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
$346.53/mo
$4,158/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, VIC. Source · Product code H25/VBVVZ2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code H41K/VRNB2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code J116/VOGI2D
Premium is the published VIC family 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
$392.55/mo
$4,711/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, VIC. Source · Product code J114/VWEG2D
Premium is the published VIC family rate at 1 Aug 2026, before the Australian Government Rebate. Waiting periods apply. Your rate varies with age and rebate tier.
Real Silver Hospital $750 Excess
$405.54/mo
$4,866/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, VIC. Source · Product code J99/VSXI2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code J11/VCIU2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code J30/VLHG2D
Premium is the published VIC family 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
$285.95/mo
$3,431/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, VIC. Source · Product code J31/VLFL2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code J133/VHWI2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code J120/VHAY2D
Premium is the published VIC family 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)
$289.30/mo
$3,472/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, VIC. Source · Product code J57/VGWC2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code H48C/VMRQ2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code H47B/VKWC2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code H8C/VCDA2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code H9C/VBZH2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code H75/VLTF2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code H57/VKKU2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code H19/VBJKN2D
Premium is the published VIC family 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
$274.18/mo
$3,290/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, VIC. Source · Product code H24/VBSQS2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code H40K/VQNF2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code H35R/VPPV2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code J135/VRCB2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code J128/VQFK2D
Premium is the published VIC family 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
$310.46/mo
$3,726/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, VIC. Source · Product code J113/VWAH2D
Premium is the published VIC family 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
$255.46/mo
$3,066/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, VIC. Source · Product code J112/VVXK2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code J131/VHPW2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code J9A/VENG2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code H46B/VLAW2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code H78C/VTJK2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code H46/VIYL2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code H78/VLYR2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code H23/VBSHV2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code H37K/VQCF2D
Premium is the published VIC family 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: Family cover, VIC. Source · Product code H6L/VPZT2D
Premium is the published VIC family 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
$316.79/mo
$3,801/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, VIC. Source · Product code J96/VSFS2D
Premium is the published VIC family 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
$233.74/mo
$2,805/yr
Verified 1 Aug 2026 · Monthly premium at 100% — before the Australian Government Rebate. Basis: Family cover, VIC. Source · Product code J95/VSDA2D
Premium is the published VIC 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 Victoria 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.