Weight loss surgery could cost you $20,000. You can lower the cost of your weight loss surgery with gold level cover.
Who is this cover for?
No contact details required
Compare 40+ funds
Same price as going direct
Back
Close
I'm Tim, your insurance expert.
Here to help you find the right cover for you!
Step 1/2 - About your cover
Which state do you live in?
QLD
NSW
ACT
VIC
TAS
SA
WA
NT
What's your age?
Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
rebate.
Under 65
65 - 69
70 or older
What's your household's taxable income?
This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
$93,000 and under
$93,001 to $108,000
$108,001 to $144,000
$144,001 and over
What kind of health insurance do you need?
Combined (Extras + Hospitals)
Extras
Hospital
What level of hospital coverage would you like?
You can change this at any time later.
Legend
Covered
Restricted cover, You may be partially covered for
this category.
Not covered. Optional for insurer to include.
*Prices updated November 2024, in line with Finder's database of health insurance policies. Prices reflect the cheapest available for a single individual with less than $97,000 income and living in Sydney with a $750 excess.
What extras cover do you need? (Optional)
Select as many as you want or move to the next step
Preventative & general dental
Major dental & implants
Optical
Physiotherapy
Podiatry
Non-PBS pharmaceuticals
Chiropractic
Emergency ambulance
Remedial massage
Create a Finder account to get an email copy of your results (optional)
Enter your email address
By entering your email address, you agree to create a Finder account subject to our Privacy & Cookies Policy and Terms of Service. We will send you an email to setup your password.
Why compare with us
You'll pay the same price as going direct - we don't
charge fees
We don't ask for your phone number to see prices
Hang tight - we're fetching policies just for you!
Weight loss surgery is covered by all gold-tier hospital policies.
The average cost of weight loss surgery is anywhere between $12,500 and $20,000.
Factors including anaesthetist fees, assistant fees and booking fees can impact the cost of weight loss surgery. Remember, the recovery period, and associated costs, will vary from person to person.
What is weight loss surgery?
Weight loss surgery is a medical procedure that helps you lose weight and lowers the risk of medical problems associated with obesity. It's available with all gold tier health insurance policies which cost around $150 to $200 a month. In some cases, you may be able to find it included in silver plus policies for a little less.
A hospital insurance policy can cover several types of weight loss surgery including gastric sleeve, gastric bypass and sleeve gastrectomy. In most cases, you'll need to serve a 12-month waiting period before you can claim. Read our guide to getting weight loss surgery to learn more about the process.
Average costs of weight loss surgery
The cost of weight loss surgery can run into thousands of dollars depending on the clinic you use and the type of surgery you opt for. Here's a breakdown of costs if you didn't have private health insurance:
Weight loss surgery cost. Without insurance, you can expect most weight loss surgery to cost between $15,000 and $20,000. This can differ depending on factors such as the doctor's fee, the anaesthetist fee, pathologist fees, the equipment used and paying for a hospital bed.
Gastric bypass cost. This is likely to cost you around $12,500 and $20,000, depending on who you go with.
Gastric sleeve cost. Gastric sleeve surgery costs are usually similar in price to other types of bariatric surgery and are likely to be around or above $20,000.
How much does lap band surgery cost? This usually costs between $14,000 and $18,000.
Making sure you have the best health insurance that suits your needs is the best way to minimise the cost of any weight loss surgery that you may need.
Factors that impact the cost of weight loss surgery
There are a few factors that impact the cost of weight loss surgery. You need to take them all into account when working out how much it will cost you and what your out of pocket expenses might be.
Principal surgeon's fees
Anaesthetist fees
Assistant fees
Theatre costs
Excess fee
The type of surgery you have
Diagnostics fees such as lab tests and medical imaging
Booking fees
Psychologist fees
The length of your hospital stay
Dietician fees associated with post-surgery exercise and diet counselling
Additional surgeries to remove excess skin and improve loose muscles
Does insurance cover the costs of weight loss surgery?
Yes, you can get health insurance for weight loss surgery. Gold tier private health insurance covers weight loss surgery which includes gastric bypass, gastric sleeve and lap band surgery. You'll need to serve a 12-month waiting period before you're covered.
Health insurance won't eliminate out of pocket expenses, but in most cases, you're likely to pay closer to around $2,000 to $6,000. Health insurance can cover the costs of:
The device (band)
Surgeon, hospital and anaesthetist fees, including a private room in a private hospital
Any face-to-face consultations with your bariatric surgeon
With private health insurance, your main out of pocket expenses will most likely be a portion of the surgeon and assistant's fee as well as the anaesthetist's fee. Speak directly with your surgeon to find out about exact costs. You can then relay that to your health insurer and they'll let you know how much they will cover. It's a good idea to compare health insurance from multiple providers to make sure you get the best deal.
If your surgery is deemed medically necessary, then Medicare may contribute a small amount towards your medical costs as well, usually around $1,200 to $1,500 depending on the Medicare Benefit Schedule (MBS) codes that apply to your surgery.
The main codes for weight loss surgery are: 30166, 30169, 30177, 30179, 31569, 31572, 31575, 31578, 31581, 31584, 31585, 31587, 31590.
Frequently asked questions
Yes, Medicare can cover weight loss surgery, but only if it's deemed medically necessary and you meet specific requirements (for example, you have a BMI of at least 35). You also won't be approved until you meet with a physician for an in-depth, face-to-face consultation.
Gastric sleeve surgery costs are usually similar in price to other types of bariatric surgery and are likely to be around or above $20,000 in Australia.
Yes. You will have to hold health insurance that covers weight loss surgery for 12 months before you are covered. It's included with all gold-level hospital policies.
To qualify for lap band surgery, patients must have a BMI of at least 40 or a body max index (BMI) of at least 30 whilst suffering at least one serious obesity-related, comorbid health concern and be at least 13.6 kilograms overweight. Furthermore, to qualify for bariatric surgery, patients must have a BMI of over 40 or a BMI of over 35 and have other serious health concerns such as heart disease and diabetes. If you want to find out if you qualify for weight loss surgery, we recommend you contact your gp or online doctor and have a consultation to explain your situation.
Yes, the MLHD Metabolic Obesity Service (MOS) is a pathway program to weight loss surgery through education, focussing on lasting behavioural changes. This program is available for residents in rural or remote NSW and includes 4 appointment phases. However, there is a 10-12 month wait to be invited to an initial invitation session.
Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
Gary Ross's expertise
Gary Ross has written 646 Finder guides across topics including:
James Martin was the insurance editor at Finder. He has written on a range of insurance and finance topics for over 7 years. James often shares his insurance expertise as a media spokesperson and has appeared on Prime 7 News, WIN News, Insurance News, 7NEWS and The Guardian. He holds a Tier 1 General Insurance (General Advice) certification and a Tier 1 Generic Knowledge certification, both of which meet the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
James's expertise
James has written 210 Finder guides across topics including:
Accessing treatment from one of your health fund’s preferred providers can help you save money but can also limit your health care choices. Find out more here.
Use private health insurance to save on weight loss surgery.
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
Finder makes money from featured partners, but editorial opinions are our own.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
rebate.
Under 65
65 - 69
70 or older
What's your household's taxable income?
This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
$93,000 and under
$93,001 to $108,000
$108,001 to $144,000
$144,001 and over
What kind of health insurance do you need?
Combined (Extras + Hospitals)
Extras
Hospital
What level of hospital coverage would you like?
You can change this at any time later.
Legend
Covered
Restricted cover, You may be partially covered for
this category.
Not covered. Optional for insurer to include.
*Prices updated March 2024, in line with Finder's
database of health insurance policies. Prices are based
on a single individual with less than $93,000 income and
living in Sydney with a $750 excess.
What extras cover do you need? (Optional)
Select as many as you want or move to the next step
Preventative & general dental
Major dental & implants
Optical
Physiotherapy
Podiatry
Non-PBS pharmaceuticals
Chiropractic
Emergency ambulance
Remedial massage
Email me my results (optional)
To get a copy of your results for later, add your email below
