Find the best health insurance

Our experts analysed hundreds of policies to help you find the best health insurance. Updated for June 2023, in time for tax.

Top pick:
Customer Service
ahm health insurance
  • Placed first for ease of application – Finder’s Customer Satisfaction Awards 2023
  • Lowest complaints ratio of any major fund
Top pick:
Hospital cover
HCF
  • 30 treatments for a good price
  • Winner in 2 hospital tiers – 2023 Finder Awards
Top pick:
Tax
HBF Health Limited
  • Avoid the MLS; ambulance cover included
  • Best Health Fund of the Year – 2023 Finder Awards
Top pick:
Basic cover
Bupa HI Pty Ltd
  • Get 8 hospital treatments for a low price
  • Free dental check-ups with combined cover
Top pick:
Waiting periods (extras)
ahm health insurance
  • No waiting period on general dental, optical, physio and more
  • Highly rated for customer service, ease of application
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Finding the best health insurance for you

There's no single best health insurance – everyone has different needs.

To help you find the right cover, our health insurance experts chose top picks based on 2023 Finder Awards data. We analysed hundreds of policies and chose winners based on pricing and treatments covered. To make sure you have the most up-to-date information, we checked those prices and policies in May 2023.

Our full health insurance methodology

Top pick for customer service

ahm health insurance

Top pick for hospital cover

HCF HOSPITAL STANDARD SILVER PLUS

From

$120.40

/month

Hospital only

From

$120.40

/month

Top pick for tax

Basic Hospital Plus $750/$1500 Excess

From

$81.16

/month

Hospital only

From

$81.16

/month

Top pick for basic cover

Basic Plus Starter Hospital $750 Excess + Budget Extras 60

From

$102.16

/month

Hospital and Extras

From

$102.16

/month

Top pick for waiting periods (extras only)

Lifestyle Extras

From

$56.20

/month

Extras only

From

$56.20

/month

Top pick for bronze cover

Bronze Hospital Plus $750/$1500 Excess & Ambulance Care + Flex 50

From

$140.12

/month

Hospital and Extras

From

$140.12

/month

Top pick for comprehensive cover

Medibank Gold Complete Hospital + Growing Family 60 Extras Only

From

$245.78

/month

Hospital and Extras

From

$245.78

/month

Top pick for pregnancy cover

Prime Hospital (Gold)

From

$167.94

/month

Hospital only

From

$167.94

/month

Top pick for no gap payments

Silver Hospital $750/$1500 Excess

From

$124.62

/month

Hospital only

From

$124.62

/month

Top pick for bonus points

Qantas Insurance

Tim

ahm: Probably the best deal of the year

ahm has the best health insurance deal I've ever seen right now. They're offering 12 weeks free on combined cover, or 6 weeks free on extras-only policies. They've got competitive policies and market leading customer service, so I'd highly recommend considering them for new health cover.
— Tim Bennett, Finder Health Insurance Expert
Store Discount
ahm Dealsahm Deals
VERIFIED

Get 6 weeks free extras cover

For new joins by Jun 30. Offer applied after 60 days on extras-only cover. Find out how.

Last verified

Get deal
VERIFIED

Deal ends

ahm Dealsahm Deals
VERIFIED

Get 6 weeks free after 60 days + 6 weeks free after 13 months

New joins on eligible hospital & extras. Find out how.

Last verified

Get deal
VERIFIED

Deal ends

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.

Best private hospital cover

These are the hospital insurance policies that came out on top in the 2023 Finder Awards. Each award category is based on the government's hospital tiers for gold, silver, bronze and basic policies.

Gold health cover

Best Gold health insurance

  • Winner: Australian Unity - Prime Hospital
  • Highly commended: St. Lukes Health - Gold Hospital
  • Highly commended: Medibank Gold Complete Hospital
Silver health cover

Best Silver health insurance

  • Winner: HCF - Hospital Standard Silver Plus
  • Highly commended: HBF - Silver Hospital
  • Highly commended: Qantas Insurance - Qantas Silver Hospital
Bronze health cover

Best Bronze health insurance

  • Winner: HCF - Hospital Bronze Plus
  • Highly commended: HBF - Bronze Hospital Plus
  • Highly commended: Medibank - Bronze Plus Progress
Basic health cover

Best Basic health insurance

  • Winner: HBF - Basic Hospital Plus Elevate
  • Highly commended: Bupa - Basic Plus Starter Hospital
  • Highly commended: nib - Basic Essential Hospital Plus

Which are the best health funds in Australia?

No health fund is perfect for everyone. Some focus on specific regions, some are only open to particular groups and some operate for a profit. However, we crunched the numbers in the 2023 Finder Awards to find out the best overall private health funds.

Health fund of the year 2023

HBF health insurance

HBF health insurance

HBF is the 2023 Finder health fund of the year winner. The winner was determined by awarding points to the winners and runners-up of the gold/silver/bronze/basic awards and extras policy awards. The not-for-profit came out on top because it has some of the best value policies on the market.

Health insurance methodology

Highly commended

Bupa health insurance

Bupa health insurance

Bupa came second place in this year's awards overall. Australia's second-largest health insurance company is competitively priced and has several good value policies, from its basic hospital to its flexible extras options.

HCF health insurance

HCF health insurance

HCF is Australia's largest not-for-profit health fund. It came in third place because it offers several good value policies, such as its bronze plus and silver standard hospital options. It's also competitively priced.

Find a full list of Australian health insurance funds here.

Best sign-up deals for June 2023 from Finder partners

Check the deals below before buying health insurance and you could save money on your premium or get a reward for signing up.

Store Discount
ahm Dealsahm Deals
VERIFIED

Get 6 weeks free extras cover

For new joins by Jun 30. Offer applied after 60 days on extras-only cover. Find out how.

Last verified

Get deal
VERIFIED

Deal ends

ahm Dealsahm Deals
VERIFIED

Get 6 weeks free after 60 days + 6 weeks free after 13 months

New joins on eligible hospital & extras. Find out how.

Last verified

Get deal
VERIFIED

Deal ends

HCF members can get loyalty rewards and discounts across Australian stores

Health fund members can claim up to 42% off Palace cinemas, 7% off Hoyts e-gift cards & more.

Last verified

Get deal
VERIFIED

Get up to $400 off Priceline Health Insurance

Plus, skip the 2 & 6 month wait on Extras. Offer ends June 30. Eligibility & T&Cs apply.

Last verified

Get deal
VERIFIED

Deal ends

Get 6 weeks free + Waive 2 & 6 months waiting periods

Join combined hospital & extras cover by 30 June 2023 for new members.

Last verified

Get deal
Exclusive

Deal ends

Join and earn up to 140,000 Qantas Points

Plus, skip the 2 & 6 month waiting periods on Extras with combined Hospital and Extras cover. Points will be awarded based on your level of cover over 6 months. Eligibility criteria and T&Cs apply.

Last verified

Get deal
VERIFIED

Deal ends

Get 4 weeks free plus a gift card on eligible Hospital and Extras cover

Join and keep eligible hospital and extras cover by 16 July to get 4 weeks free, plus a gift card. Eligibility criteria, T&Cs apply.

Last verified

Get deal
VERIFIED

Deal ends

Get up to 10 weeks free

Plus 2&6 month waits waived on Extras when you join on eligible products. Domestic policies only. Terms and Conditions apply.

Last verified

Get deal
VERIFIED

Get 6 weeks free + a $50 gift card when you join & maintain eligible Extras

Plus, get 2&6 month waits waived on extras. Ends 30 June. New members only. T&Cs apply.

Last verified

Get deal
VERIFIED

Deal ends

Save up to $600

Join a combined cover online with nib. Offer ends 25 June. T&Cs apply.

Last verified

Get deal
VERIFIED

Deal ends

Get up to $200 cash card. PLUS 2-month waits on extras waived

Offer applies for new joins on hospital and extras by 30 June. T&Cs apply.

Last verified

Get deal
VERIFIED

Deal ends

GMHBA dealsGMHBA deals
VERIFIED

Get 6 weeks free + 2&6 month waits on extras waived

New joins on eligible hospital & extras by July 14. T&Cs apply.

Last verified

Get deal
VERIFIED

Deal ends

Policies from $19 per week

If you're determined to keep your insurance bills low, check out our guide to the cheapest health insurance in Australia. Don't forget, you'll typically have to sacrifice coverage as you drop to cheaper pricing.

Why you can trust Finder's health insurance experts

free

We're free

Our health insurance engine is completely free to use. You pay the same as buying directly from the health insurer. Better still, we regularly run exclusive deals that you won't find on any other site.
expert advice

We're experts

We've researched and rated hundreds of policies as part of our Finder Awards. We've published 250+ guides and our in-house experts regularly appear on Sunrise, 7News and SBS News.
independent

We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and you can compare nearly every health fund in Australia on the site (and find a better deal).
help

We're here to help

Since 2014, we've helped 350,000+ people find health insurance by explaining your options simply. We'll never ask for your number or email to see prices. We're here to help you make a decision.

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