Family health insurance in Queensland
55 hospital policies from 11 funds, starting at $211/month. Every premium below is the rate the insurer has published with the Commonwealth for family cover in Queensland — not an estimate.
Premiums are monthly at 100%, before the Australian Government Rebate, which reduces what most people actually pay based on age and income. Verified 1 August 2026 from PrivateHealth.gov.au open data. How we compare.
What each government tier costs
Hospital cover is graded into four government tiers (plus “Plus” variants that add cover above the minimum). Higher tiers must cover more clinical categories — Gold is the only tier required to cover pregnancy and birth.
| Tier | Cheapest | From | Range across funds |
|---|---|---|---|
| Gold | 🟠 Medibank | $533/mo | $533–$974 across 11 policies |
| Silver Plus | 🟢 ahm | $337/mo | $337–$384 across 11 policies |
| Silver | 🟤 GMHBA | $346/mo | $346–$393 across 2 policies |
| Bronze Plus | 🟠 Medibank | $269/mo | $269–$313 across 10 policies |
| Bronze | 🟢 ahm | $261/mo | $261–$313 across 5 policies |
| Basic Plus | 🟤 GMHBA | $225/mo | $225–$266 across 10 policies |
| Basic | 🟤 GMHBA | $211/mo | $211–$231 across 6 policies |