The Finder Health insurance awards is a ratings methodology that showcases the best health insurance products based on a combined price and features score. Our methodology for this award was curated to accurately present the best health insurance options for distinct categories within private health insurance in Australia.
HCF has claimed the Finder award for Basic Hospital Cover in 2025, thanks to offering excellent value at the lower end of the market. More than just a standard Basic policy HCF's Hospital Basic Plus offers cover for more treatments than required, helping it score the highest value score for its category.
HCF has claimed the Finder award for Basic Hospital Cover in 2025, thanks to offering excellent value at the lower end of the market. More than just a standard Basic policy HCF's Hospital Basic Plus offers cover for more treatments than required, helping it score the highest value score for its category.
Highly commended
Frank Health Insurance has earned a Highly Commended award in the Basic Hospital category for its Frank Accident Boost Hospital (Basic) policy. Stepping up in the basic tier, this policy delivers solid cover specifically for accidents, offering real value when you need it most.
Frank Health Insurance has earned a Highly Commended award in the Basic Hospital category for its Frank Accident Boost Hospital (Basic) policy. Stepping up in the basic tier, this policy delivers solid cover specifically for accidents, offering real value when you need it most.
Bupa's Basic Accident Only Hospital policy is Highly Commended this year in the Basic Hospital Health Insurance category. Providing focused protection purely for accidents, it stands out as a valuable option for essential, targeted cover.
Bupa's Basic Accident Only Hospital policy is Highly Commended this year in the Basic Hospital Health Insurance category. Providing focused protection purely for accidents, it stands out as a valuable option for essential, targeted cover.
HCF has taken once again won the Finder award for best Bronze Hospital cover, making it three years' running! The hat-trick comes thanks to the not-for-profit continnuing to offer the best value cover in the category.
HCF has taken once again won the Finder award for best Bronze Hospital cover, making it three years' running! The hat-trick comes thanks to the not-for-profit continnuing to offer the best value cover in the category.
Highly commended
Bupa receives a Highly Commended award for its Bronze Plus Simple Hospital policy in the Bronze Hospital Health Insurance category. This policy brings strong value to the table by extending cover to a range of treatments beyond the standard bronze level.
Bupa receives a Highly Commended award for its Bronze Plus Simple Hospital policy in the Bronze Hospital Health Insurance category. This policy brings strong value to the table by extending cover to a range of treatments beyond the standard bronze level.
ahm's simple bronze plus policy is Highly Commended in the Bronze Hospital Health Insurance category. It shines by offering competitive value and including extra services that go beyond the standard Bronze offerings.
ahm's simple bronze plus policy is Highly Commended in the Bronze Hospital Health Insurance category. It shines by offering competitive value and including extra services that go beyond the standard Bronze offerings.
RT Health have come in strong this year, taking its first Finder Award for the Silver Hospital Tier in 2025. The Silver Plus offering goes beyond the tier requirements, resulting in the highest value product in the category.
RT Health have come in strong this year, taking its first Finder Award for the Silver Hospital Tier in 2025. The Silver Plus offering goes beyond the tier requirements, resulting in the highest value product in the category.
Highly commended
Bupa's Silver Plus Intermediate Hospital policy is Highly Commended in the Silver Hospital Health Insurance category. It presents a compelling blend of value and features, delivering comprehensive cover for a wide spectrum of treatments at the Silver Plus level.
Bupa's Silver Plus Intermediate Hospital policy is Highly Commended in the Silver Hospital Health Insurance category. It presents a compelling blend of value and features, delivering comprehensive cover for a wide spectrum of treatments at the Silver Plus level.
HCF's Hospital Standard Silver Plus policy earns a Highly Commended spot in the Silver Hospital Health Insurance category. Packed with impressive benefits, it offers extensive cover that truly exceeds the standard Silver requirements, making it a solid choice.
HCF's Hospital Standard Silver Plus policy earns a Highly Commended spot in the Silver Hospital Health Insurance category. Packed with impressive benefits, it offers extensive cover that truly exceeds the standard Silver requirements, making it a solid choice.
HIF has taken the top spot for the Gold tier of hospital insurance, offering an excellent product for anyone after the most comprehensive private health coverage. The not-for-profit has a small market share, but has been making a bit impact.
HIF has taken the top spot for the Gold tier of hospital insurance, offering an excellent product for anyone after the most comprehensive private health coverage. The not-for-profit has a small market share, but has been making a bit impact.
Highly commended
Medibank Private Limited's Medibank Gold Protect is Highly Commended in the Gold Hospital Health Insurance category. Offering comprehensive, top-tier protection, this policy brings a strong range of benefits for those who want the highest level of hospital cover.
Medibank Private Limited's Medibank Gold Protect is Highly Commended in the Gold Hospital Health Insurance category. Offering comprehensive, top-tier protection, this policy brings a strong range of benefits for those who want the highest level of hospital cover.
Frank Health Insurance is also Highly Commended this year in the Gold Hospital Health Insurance category for its Frank Gold Hospital policy. Delivering extensive, high-level cover, it represents a powerful value proposition within the comprehensive Gold tier.
Frank Health Insurance is also Highly Commended this year in the Gold Hospital Health Insurance category for its Frank Gold Hospital policy. Delivering extensive, high-level cover, it represents a powerful value proposition within the comprehensive Gold tier.
Bupa's Extras Saver has taken out this year's Finder Award for Core Extras Health Insurance. This policy offers outstanding value for those essential, frequently used extras services, making it a true standout for managing everyday health costs.
Bupa's Extras Saver has taken out this year's Finder Award for Core Extras Health Insurance. This policy offers outstanding value for those essential, frequently used extras services, making it a true standout for managing everyday health costs.
Highly commended
Medibank Private Limited's Essential Extras 60 is Highly Commended in the Core Extras Health Insurance category. Providing solid coverage for core extras services, it offers good value and benefits for common treatments.
Medibank Private Limited's Essential Extras 60 is Highly Commended in the Core Extras Health Insurance category. Providing solid coverage for core extras services, it offers good value and benefits for common treatments.
HBF's Basic Extras policy receives a Highly Commended award in the Core Extras Health Insurance category. It stands out as a competitive option for foundational extras cover, providing value where it counts for essential services.
HBF's Basic Extras policy receives a Highly Commended award in the Core Extras Health Insurance category. It stands out as a competitive option for foundational extras cover, providing value where it counts for essential services.
ahm has claimed this year's Finder Award for Medium Extras Health Insurance with its value extras policy. This policy achieves a fantastic balance between cost and coverage, offering a strong suite of benefits for those mid-range extras services.
ahm has claimed this year's Finder Award for Medium Extras Health Insurance with its value extras policy. This policy achieves a fantastic balance between cost and coverage, offering a strong suite of benefits for those mid-range extras services.
Highly commended
Bupa's FLEXtras 4 Standard 50 is Highly Commended in the Medium Extras Health Insurance category. This flexible policy delivers competitive, flexible benefits across a range of medium-tier extras services, offering a great option for many.
Bupa's FLEXtras 4 Standard 50 is Highly Commended in the Medium Extras Health Insurance category. This flexible policy delivers competitive, flexible benefits across a range of medium-tier extras services, offering a great option for many.
Medibank Private Limited's Healthy Start Extras is Highly Commended in the Medium Extras Health Insurance category. Offering a strong entry point into extras cover, this policy provides value and benefits for common health services at the medium tier.
Medibank Private Limited's Healthy Start Extras is Highly Commended in the Medium Extras Health Insurance category. Offering a strong entry point into extras cover, this policy provides value and benefits for common health services at the medium tier.
ahm's Family Extras policy is this year's Comprehensive Extras Health Insurance award winner. Providing expansive coverage across a vast array of extras services, it offers truly thorough protection designed with families in mind, earning it the top spot.
ahm's Family Extras policy is this year's Comprehensive Extras Health Insurance award winner. Providing expansive coverage across a vast array of extras services, it offers truly thorough protection designed with families in mind, earning it the top spot.
Highly commended
Medibank Private Limited's My Choice Extras Support 60 is Highly Commended in the Comprehensive Extras Health Insurance category. Delivering a high level of extras coverage with a broad spectrum of benefits, it offers robust support for diverse health needs.
Medibank Private Limited's My Choice Extras Support 60 is Highly Commended in the Comprehensive Extras Health Insurance category. Delivering a high level of extras coverage with a broad spectrum of benefits, it offers robust support for diverse health needs.
HCF's Vital Extras policy earns a Highly Commended spot in the Comprehensive Extras Health Insurance category. Packed with significant benefits across numerous extras services, it stands as a powerful choice for comprehensive top-level coverage.
HCF's Vital Extras policy earns a Highly Commended spot in the Comprehensive Extras Health Insurance category. Packed with significant benefits across numerous extras services, it stands as a powerful choice for comprehensive top-level coverage.
ahm is this year's Health Insurance - Dental award winner. ahm has consistently shown a strong commitment to delivering excellent value and extensive benefits specifically for dental services. This includes a huge network of no-gap dental partners and zero waiting period for general and major dental on many policies.
ahm is this year's Health Insurance - Dental award winner. ahm has consistently shown a strong commitment to delivering excellent value and extensive benefits specifically for dental services. This includes a huge network of no-gap dental partners and zero waiting period for general and major dental on many policies.
Finder's Health Insurance Awards recognise market-leading providers for hospitals and extras products across categories. Winners and highly commended providers are ranked out of 10, using our proprietary Finder Score based on price and key features.
We assessed more than 40 providers to determine the winners. Products had to be in the market for the entire 6 month judging period of November 2024 to April 2025. Providers also need to have more than 0.6% market share, according to the Commonwealth Ombudsman and not be restricted funds.
Piyush is an insights analyst at Finder and is responsible for developing the methodology for Finder's Product Awards. He holds an MBA from Macquarie University and a MSc in Banking and Finance from the University of London.
Tim is Finder's lead publisher for insurance, and has reported on finance topics for over 10 years.
Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. She is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year.
Check out the best of the best, judged by experts.
