W
Wellspring Health
Hospital + Extras
No lock-inAmbulanceNo excessExtras
$128
/mo est.
save ~$288/yr
Health Insurance
Compare health insurance
Health cover is personal — the right policy depends on your life stage and what you'll actually use. Compare hospital and extras cover against your needs and budget.
N
Nova Health Fund
Bronze Plus Combined
No lock-inAmbulanceExtras
$109
/mo est.
save ~$216/yr
M
Mosaic Cover
Silver Hospital
No lock-inAmbulanceNo excess
$136
/mo est.
save ~$120/yr
H
Haven Health
Essentials Extras
No lock-inExtras
$96
/mo est.
save ~$168/yr
S
Summit Mutual
Gold Combined
No lock-inAmbulanceNo excessExtras
$189
/mo est.
save ~$96/yr
K
Kindred Fund
Basic Hospital
No lock-inAmbulance
$112
/mo est.
save ~$60/yr
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Estimated savings
$360 / yr
Typical annual saving identified when a member reviews their cover at renewal and moves to a comparable policy that better fits their needs.
Understand the category
What actually drives value here
Hospital cover in Australia is grouped into Basic, Bronze, Silver and Gold tiers, which standardise what each must include. Extras cover dental, optical and similar. We compare like tiers together so you're weighing genuinely comparable policies, then highlight the inclusions that tend to matter most.
Tiers make it comparable
Government tiers (Basic to Gold) standardise hospital inclusions, so comparing within a tier is genuinely like-for-like.
Pay for what you'll use
Cover you'll never claim on is wasted money; gaps you do hit are costly. We help you match the policy to your actual needs.
Excess vs premium
A higher excess lowers your premium but raises what you pay if admitted. We show both so the trade-off is clear.
Questions
Health Insurance FAQs
Hospital policies are categorised as Basic, Bronze, Silver or Gold, each required to include a standard set of treatments. The tiers exist specifically to make cover easier to compare.
Hospital cover helps with in-hospital treatment as a private patient; extras (or 'general treatment') help with things like dental, optical and physio. Many funds sell them combined.
If you switch to an equivalent level of cover, you generally won't re-serve waiting periods you've already completed. Moving to a higher level may involve waiting periods for the new inclusions.
It can. Reviewing before your renewal and being aware of changes around 1 April each year can help, since premiums and policies are often adjusted then.
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