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The best health insurance, so good it’s sickening

We analysed 400+ health insurance policies. Some were junk. Loads were great. But these ones are excellent.

Who is this cover for?

Top pick for
Basic hospital cover
HBF Health Insurance
Finder Award
  • Best Health Fund of the Year - 2024 Finder Awards
  • Excellent value basic hospital policy
Top pick for
Hospital cover
HCF
  • 2023 Finder Award Winner: Best Bronze and Silver hospital
  • Silver policy covers 30 treatments at a great price
Top pick for
Customer service
ahm health insurance
  • Winner: 2023 Finder Customer Satisfaction Awards
  • Lowest complaints ratio of any major fund
Top pick for
Pregnancy
Medibank Private Limited
  • Comprehensive hospital and extras
  • Continuity of care
  • Antenatal and postnatal classes

How we choose the best private health insurance

If you're looking for the best health insurance in Australia, it's basically impossible to get a single answer. Hospital vs extras, price, how much you're covered for, benefit limits, waiting periods and more – there's a lot to consider.

To give you a starting point, we've hand-picked 7 policies based on 400+ plans. Our data sources include the Finder Health Insurance Awards, the Ombudsman and APRA, plus customer reviews from the Finder Customer Satisfaction Awards.

Why you can trust our research

Document with pencil
400+
policies assessed
Computer monitor and cellphone displaying charts
46
health funds analysed
Web browser displaying charts with magnifying glass
80+
hours of research
Web browser with user profile page displayed
765
customers surveyed

Top pick for basic hospital cover

Basic Hospital Plus Elevate $750/$1500 Excess

From

$22.50

/week

Hospital only

From

$22.50

/week

Our verdict

One of the only good value basic hospital policies on the market. Many basic policies don't cover any hospital treatments. HBF Basic Elevate covers 18. Bonus points – it lets you avoid the Medicare Levy surcharge (MLS) (the tax you need to pay if you earn over $97,000 as a single).

Top pick for value (silver hospital)

HCF HOSPITAL STANDARD SILVER PLUS

From

$28.51

/week

Hospital only

From

$28.51

/week

Our verdict

This won the 2023 Finder Award for best value silver policy. It scored higher than all 200+ silver plans we assessed. It covers 29 hospital treatments – 3 more than a typical silver policy. Bonus points: HCF is not-for-profit so money goes back to members, not shareholders.

Top pick for customer service

Our verdict

ahm won the 2023 Finder Customer Satisfaction award. Out of the 750+ customers surveyed, it scored highly for customer service, value for money and application process. It also has some of the cheapest hospital policies on the market.

Top pick for pregnancy (hospital and extras)

Medibank Gold Protect + Growing Family 70

From

$78.49

/week

Hospital and Extras

From

$78.49

/week

Our verdict

This comes with lots of benefits you don't get with other insurers. In addition to pregnancy cover, continuity of care and IVF cover, you get access to its 24/7 Medibank Nurse service, an OptimalMe program for mums-to-be and a pregnancy health concierge. The Growing Family Extras cover includes pre and post-natal classes, and much more.

Top pick for bonus points

Why compare health insurance with Finder?

  • We don't ask for your phone or email to see prices.

  • With 1 click, you can open your results to nearly every fund in Australia.

  • You pay the same price as going direct – we charge no fees.

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