Deep Almanac

Australian health funds

Policy data as of 1 October 2026 · fetched 2 October 2026, 12:41 UTC · generated 2 October 2026, 14:10 UTC · 34 registered insurers, 65,828 open policies (one per state and household type). Refreshed monthly, checked daily.

Every registered Australian health insurer, with its membership rules, where it sells and what it sells. Open each fund for all of its hospital and combined policies, their premiums in every state and for every household type, and the clinical categories each covers.

25 funds are open to anyone; the rest restrict membership to an industry, employer or community and are hidden by default in the cheapest-policy rankings, where "Include restricted funds" shows them with who may join. Policy counts are hospital-only and combined (hospital plus extras) policies, counting one policy per state and household type. The cheapest single hospital policy is the lowest monthly premium, before the government rebate, of a hospital-only policy the fund sells to a single adult in any state, leaving out corporate, visitor and add-on-only policies.

FundRegistered nameMembershipStatesHospitalCombinedCheapest single hospitalPolicy
ACA HealthACA Health Benefits FundRestricted membership Seventh-day Adventist Church employees, Local Church Officers and their families.All states76263$122.83Basic HospitalBasic Plus
ahmahm health insuranceOpen membershipAll states1,260336$39.30ambulance hospital (basic)Basic · NT
AIA HealthAIA Health Insurance Pty LtdOpen membershipAll states1,5548,526$69.06Basic Accident Only Hospital 750Basic · NT
Australian UnityAustralian Unity Health LimitedOpen membershipAll states1,022560$74.75Simple Hospital (Basic Plus)Basic Plus · NT
BupaBupa HI Pty LtdOpen membershipAll states2,996133$60.65Basic Accident Only Hospital $750 ExcessBasic · NT
CBHSCBHS Health Fund LimitedRestricted membership current and past employees of Commonwealth Bank Group, franchisees, contractors, and their families.All states46228$75.75Starter Basic Plus Hospital $750 ExcessBasic Plus · NT
CBHS Corporate HealthCBHS Corporate Health Pty LtdOpen membershipAll states00—
CDH Benefits FundOpen membershipAll states2101,057$153.90BASIC Hospital Cover (Single)Basic Plus · NSW
Defence HealthDefence Health LimitedRestricted membership current or former members of the ADF and the Defence community and their families.All states1,584147$58.00Starter Hospital Basic PlusBasic Plus · NT
Doctors' Health FundRestricted membership Medical and allied health professionals, their families, medical students and AMA employees.All states392812$128.17Smart Starter Bronze Plus $750 ExcessBronze Plus · NT
GMHBAGMHBA LimitedOpen membershipNSW, NT, QLD, SA, TAS, VIC, WA5320$50.00Frank Basic Accident Boost HospitalBasic · NT
GU HealthOpen membershipAll states3,425502—
HBFHBF Health LimitedOpen membershipAll states1,5180$53.01Basic Hospital Accident Only $750/$1500 ExcessBasic · NT
HCFOpen membershipAll states1,372210$41.37HCF ACCIDENT ONLY BASICBasic · NT
HCiOpen membershipAll states300864$83.81Basic Plus Hospital $750 excessBasic Plus · WA
Health PartnersOpen membershipAll states4629,702$73.15Basic Accident Hospital $750 ExcessBasic · NT
HIFHealth Insurance Fund of Australia LimitedOpen membershipAll states392126$61.95Basic Plus Hospital $750/$1500Basic Plus · NT
Latrobe HealthLatrobe Health ServicesOpen membershipAll states66042$97.55Bronze Hospital 750 ExcessBronze · WA
MedibankMedibank Private LimitedOpen membershipAll states3,14084$55.25Medibank Basic Accident and AmbulanceBasic · NT
Mildura Health FundOpen membershipAll states240$158.45Basic Plus - H1Basic Plus
Navy HealthNavy Health LtdRestricted membership Cover for the ADF community - serving, ex-serving ADF, employees of contractors to ADF and families.All states280875$86.08Saver Bronze+ HospitalBronze Plus · NT
nibnib Health Funds Ltd.Open membershipAll states4,620560$54.80Basic Accident Hospital $750 ExcessBasic · NT
onemedifundNational Health Benefits Australia Pty Ltd (onemedifund)Open membershipAll states04—
PeoplecarePeoplecare Health InsuranceOpen membershipAll states3362,352$119.07Basic Plus Hospital $750Basic Plus · NSW
Phoenix HealthPhoenix Health Fund LimitedOpen membershipAll states4621,848$52.28Basic Accident Only HospitalBasic · NT
Police HealthRestricted membership Members of Australia’s police community, and their families.All states2856$162.84Gold HospitalGold · NT
Queensland Country Health FundOpen membershipNT, QLD5042,016$54.88Core Hospital (Basic+) $750 excessBasic Plus · NT
Reserve Bank Health SocietyReserve Bank Health Society LtdRestricted membership Current & former employees of the Reserve Bank.All states1515$130.41Bronze Plus Hospital $750Bronze Plus
RT HealthRT Health - a division of The Hospitals Contribution FundOpen membershipAll states3921,176$51.17Basic Plus Starter Hospital $750 ExcessBasic Plus · NT
see-u by HBFOpen membershipNSW, NT, QLD, SA, TAS, VIC, WA2520$40.00Starter Hospital $750 Excess with Daily Co-Pay (Basic)Basic · NT
St LukesOpen membershipAll states570984$100.50Bronze Plus Hospital 750Bronze Plus · NT
Teachers HealthRestricted membership education union members and their familiesNSW, NT, QLD, SA, TAS, VIC, WA1,092462$81.11Basic Hospital (Basic Plus)Basic Plus · NT
TUHTUH, part of the Teachers Health GroupRestricted membership current or former union members and their families.All states784168$83.33Basic+ Hospital $750 excessBasic Plus · NT
WestfundWestfund LimitedOpen membershipAll states1,14856$57.55Basic Plus 750 HospitalBasic Plus · NT

Data

Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. Premiums change without notice, usually on 1 April each year, and insurers apply waiting periods, exclusions and eligibility rules not fully captured here. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.