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Compare the Top Hospital Cover Plans in 2022

Megan Fraser Updated: 10 February 2022
Types of Health Insurance

Are you looking for a new health insurance plan? Private hospital cover is the perfect solution to help you stay healthy and protect your family from unexpected medical costs. It’s also great if you want to have more control over your healthcare choices, or if you need treatment in a private hospital. Private health insurance Hospital cover is typically a type of policy that provides coverage for treatments and services performed within a hospital. There are generally three levels of coverage you can purchase, being basic, mid, and top. A basic Hospital cover offers coverage for essentials, such as accommodation, while top Hospital only policy provides coverage for extensive treatments.

With a range of Hospital plans, we can help you find one that fits your unique needs and budget. This article provides you with all the information that will help you find the right Hospital Cover for your personal requirements.

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What is Hospital Cover?

Hospital cover is a type of health insurance that generally covers the costs associated with in-hospital treatments, including accommodation. Depending on what level you choose for your private health insurance Hospital cover, whether it’s just basic services like lodging or extensive services like surgery, you can provide cover for you and your family. It’s important to note that Hospital cover does not have coverage over anything that occurs outside a hospital, such as a general practitioner service.

How does Hospital cover work?

The most common reason Australians generally purchase hospital insurance cover before they turn 31 is to avoid the Life Time Health Cover (LHC) loading, which adds 2% on top of your premium. Other people The Australian healthcare system is a mix of public and private organisations. The government supports the cost for Medicare-approved treatments through their program, which pays extra benefits to veterans or people on low incomes. Anyone with a Medicare number can receive free medical treatment at public hospitals in Australia, paid for by the government.

Private Hospital policies cover the costs of treatment by a doctor within a hospital. It may also cover expenses such as operating theatre fees, pathology services and accommodation in private hospitals. Still, it isn’t always fully comprehensive, so make sure you know what your plan offers before signing up.

Hospital Product tiers and what they cover

Basic Hosptal cover: 

The Basic level of hospital cover is perfect for people looking to avoid the Medicare Levy Surcharge or Lifetime Health Cover Loading. The more expensive options in this tier may not be necessary if you only want basic benefits, but they’re available either way.

Average Cost – $110.00 a month

Bronze Hospital cover only:

The Bronze hospital package offers a great deal for those who need some help when it comes to their health care. This plan covers what’s covered in basic insurance, either with restrictions or unconditionally, and must provide the below benefits:

Average Cost – $120.00 a month

Silver Hospital insurance:

Silver hospital cover is an excellent option for people with active lifestyles or a physically demanding career. It provides comprehensive medical benefits that can be used in case you need treatment on your back, neck injuries etc. It includes l the benefits from the bronze level in addition to the below list of services: 

Average Cost – $160.00 a month

Gold Hospital insurance:

The Gold hospital tier is an ultimate option for all your healthcare needs. It includes unrestricted coverage in Basic, Bronze and Silver clinical categories, as well as the new below benefits: 

Average Cost – $200.00 a month

Private health insurance hospital cover and the Medicare Levy Surcharge

The longer you wait to take out health insurance, the more expensive it will be when finally do. Every year past your 31st birthday passes until a person purchases private coverage and pays full price for their premiums – even if they don’t use any services at all, then there’s 2% added onto each month’s cost as an additional ageing surcharge. This means people who are 40 years old could end up paying 20%. The maximum load allowed under this law is 70%.

Generally, you’ll be able to avoid this by purchasing a qualifying Hospital cover only policy.

Pros and Cons of Hospital cover

There are many benefits to having Hospital only coverage. We never know when an accident will occur, and it’s best to be prepared when and if it does. While Hospital cover helps with these situations, its important for those with existing conditions too. 

Private Hospital cover is a great option for those who are approaching an age where illness and injury can be expected. Those with a family history of severe conditions or that have had previous injuries would benefit from private treatment in order to ensure they’re covered. Below are the pros and cons of purchasing Hosptial cover:

A range of free or subsidised medical services in a public hospital as a public patient.You don’t have a choice of doctor or specialist.
When you visit a GP outside of the hospital, they will generally receive up to 100% reimbursement for their Medicare Benefits Scheme (MBS) fee.You may not have the freedom to choose the time of your procedure.
Usually, 85% of the MBS fee is reimbursed fo,r a specialist.Medicare does not cover any treatments done overseas.
In the event of a medical emergency, public hospitals are often your best option. They have access to an extensive range of equipment and specialists across Australia.Ambulance cover is not included
Avoid the Life Time Health Cover Loading and save on the Medicare Levy SurchargeCosmetic surgeries are not covered.
Reduced Waiting Lists

What isn’t covered by Private Hospital Cover

Health insurance is designed to cover a majority of your healthcare expenses. However, there are many services that may not be covered by most plans. There are many services that can be extremely costly or difficult for someone without coverage. Any procedure, service, session, or treatment completed outside of a hospital is not covered by private hospital policies. Other treatments include cosmetics and fertility, as well as prescriptions.

Compare and review Hospital policies

The below costs are taken from each policy and consist of the lowest cost of each policy. These numbers and prices may vary depending on your lifestyle, budget, and excess limitations.

Cost Per MonthBasicBronzeSilverGold
Australian Unity$107.70$131.75$209.75$263.70
Teachers health$119.70N/A$148.23$206.54
Defence Health$109.72$113.84$210.21$247.56

Source:, 2022

How to save on your Hospital cover

Frequently asked questions

  • What is the cheapest hospital insurance only cover?

    Generally, the hospital where you received treatment will request payment straight from your private health fund, who then pays the costs they provide cover for, anBupa offers a basic tier hospital cover plan at the cheapest, most affordable price out of all the other insurers we have listed in this article. For $101.35 a month, you will have access to private hospitals, the choice of your own doctor, all hospital accommodation paid for, and extra hospital benefits such as palliative care and hospital rehabilitation. you then pay the difference, if there is any.
  • Who offers the best Hospital insurance?

    There is no definite answer to which private health insurer is the best to purchase a Hospital only policy from. The best hospital insurance depends entirely on what health or medical services or treatments you think you may need, your current lifestyle, your budget, and your family. For example, if you are a single person with a low budget and live a healthy lifestyle, Medibank’s Basic Hospital policy for $108.10 could be the ideal choice for you.
  • How much is basic hospital cover?

    The cost of a basic hospital cover varies depending on the insurance provider, and the excess limit your choices. However, an average general amount of a basic Hospital policy per month is around $110.00. This covers you for Palliative care, Hospital rehabilitation, and Hospital psychiatric services. It also includes hospital accommodation and covers you for the basic hospital necessities.
  • Can I claim GP visits on private health?

    No. Private health insurance does not offer cover for out-of-hospital medical services, including GP visits, consultations with specialists in their rooms or diagnostic imaging. Medicare covers these costs, but private policies can’t extend this protection unless it’s specifically stated on your contract. Private healthcare is getting more and more focused on hospital care which means even natural therapies may be limited by how much they pay towards staff expenses rather than providing full-service coverage.
  • How to claim your Hospital cover

    There are a few ways to claim back if you have Hospital cover. You can visit the website of your insurance provider and go through the claim back portal. You will have to fill out some forms and attach proof of payment and your original receipt. Another option is to post your claim with a printed out form and payment proof to the address listed on their website. If that doesn’t work for you, you can call a broker, and they will walk you through the website online portal application. Finally, you can visit one of their branches in person.

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