Compare Health Insurance Hospital Cover
The table below shows a range of hospital insurance policies (with $750+ excess) on Canstar’s database from our Online Partners.
Instantly compare 13,000+ Canstar expert rated policies based on the inputs below
75 years experience insuring Australian's health
Canstar's 2022 Outstanding Value Health Insurance
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Unsure of a term in the above table? View glossary
The initial results in the table above are sorted by Star Rating (High-Low) , then Monthly premium (approx) (Low-High) , then Provider Name (Alphabetical) . Additional filters may have been applied, see top of table for details.
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What is Hospital Cover?
Hospital cover is a hospital-only health insurance policy that helps cover the costs of being admitted to hospital. As a rule, when you have private hospital cover in place, you have a choice of being treated as a private patient in a public hospital or being admitted to a private hospital for treatment.
What does hospital insurance cover?
Private hospital health insurance usually covers, either in full or partially, theatre costs and hospital accommodation fees, including meals. From April 2020, all hospital insurance products in Australia must be classified as one of four tiers: Gold, Silver, Bronze or Basic. A hospital product policy is classified into a tier according to the minimum level of cover it offers against the government’s hospital clinical categories.
But hospital-only insurance does not cover for the costs of ‘general’ treatments, such as dental care and optical, even if you receive these types of care and treatment in hospital. If you want to be covered for ‘general’ healthcare, you may want to consider a hospital and extras combined policy or an extras-only policy if you don’t require hospital cover.
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Canstar Star Ratings and Awards
Looking for an award-winning product or to switch providers or brands? Canstar rates products based on price and features in our Star Ratings and Awards. Our expert Research team shares insights about which products offer 5-Star value and which providers offer outstanding value overall. We also reveal which providers have the most satisfied customers in our dedicated Customer Satisfaction Awards.
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About our finance experts
Ellie McLachlan, Former Content Lead
Joshua Sale, Group Manager, Research & Ratings
As Canstar’s Ratings Manager, Josh Sale is responsible for the methodology and delivery of Canstar’s Health Insurance Star Ratings and Awards. With tertiary qualifications in economics and finance, Josh has worked behind the scenes for the last five years to develop Star Ratings and Awards that help connect consumers with the right product for them.
Josh is passionate about helping consumers get hands-on with their finances. Josh has been interviewed by media outlets such as the Australian Financial Review, news.com.au and Money Magazine.
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Important information
For those that love the detail
This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.