nib

Policy data as of 1 October 2026. Refreshed monthly, checked daily.

Registered as nib Health Funds Ltd. · fund code NIB · Open membership

Also sold as Qantas Insurance, AAMI Health Insurance, Suncorp Health Insurance, Apia Health Insurance, ING Health Insurance, Priceline Health Insurance, Real Health Insurance, Seniors Health Insurance, GU Health Insurance

nib website Qantas Insurance AAMI Health Insurance Suncorp Health Insurance Apia Health Insurance ING Health Insurance Priceline Health Insurance GU Health Insurance

Health insurance

nib sells 5,180 open policies with hospital cover (4,620 hospital-only, 560 combined with extras, counting one per state and household type) in all states, grouped below into 148 products, of which 94 can be bought by anyone on their own (the rest are corporate, visitor or add-on cover). Premiums are monthly, before the government rebate; the table shows each product's range across the states and households it is sold to, and choosing a state and household narrows it to the exact premium.

← Cheapest health insurance by state, household and tier Every fund

Products

State

Household

148 of 148 products, monthly premium range

SCFP = sold to singles · couples · families · single parents

Policy	Tier	Type	Excess / person	Co-pay	Covered	Restricted	Under-30 discount		States	S C F P	Monthly premium
AAMI Gold Hospital $750 Excess	Gold	Hospital	$750	None	38	0	Yes		All states	SCFPSingle, Couple, Family, Single parent	$267.94 – $1,247.86
Gold Corporate Assured Hospital	Gold	Hospital	—	None	38	0	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$192.49 – $867.75
Gold Corporate Assured Hospital	Gold	Hospital	$250	None	38	0	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$176.63 – $828.10
Gold Corporate Assured Hospital	Gold	Hospital	$500	None	38	0	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$162.07 – $790.62
Gold Corporate Assured Hospital	Gold	Hospital	$750	None	38	0	Yes	CorporateAdd-on	All states	SCFPSingle, Couple, Family, Single parent	$157.86 – $724.97
Gold Corporate Top Hospital $250 Excess	Gold	Hospital	$250	None	38	0	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$247.86 – $955.25
Gold Corporate Top Hospital $500 Excess	Gold	Hospital	$500	None	38	0	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$183.13 – $840.04
Gold Corporate Top Hospital $750 Excess	Gold	Hospital	$750	None	38	0	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$173.83 – $810.69
Gold Corporate Top Hospital Nil Excess	Gold	Hospital	—	None	38	0	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$268.62 – $1,020.93
Gold Executive Hospital	Gold	Hospital	—	None	38	0	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$145.38 – $665.60
Gold Executive Hospital	Gold	Hospital	$250	None	38	0	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$132.08 – $613.49
Gold Executive Hospital	Gold	Hospital	$500	None	38	0	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$122.03 – $576.01
Gold Executive Hospital	Gold	Hospital	$750	None	38	0	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$114.18 – $538.53
ING Gold Hospital $750 Excess	Gold	Hospital	$750	None	38	0	Yes	Add-on	All states	SCFPSingle, Couple, Family, Single parent	$262.03 – $1,250.57
Qantas Gold Top Hospital $750 Excess	Gold	Hospital	$750	None	38	0	Yes		All states	SCFPSingle, Couple, Family, Single parent	$275.21 – $1,240.76
Real Gold Hospital $750 Excess	Gold	Hospital	$750	None	38	0	Yes	Add-on	All states	SCFPSingle, Couple, Family, Single parent	$278.01 – $1,252.04
Seniors Gold Hospital	Gold	Hospital	$750	None	38	0	Yes	Add-on	All states	SCFPSingle, Couple, Family, Single parent	$276.11 – $1,251.14
Suncorp Health Insurance Gold Hospital $750 Excess	Gold	Hospital	$750	None	38	0	Yes		All states	SCFPSingle, Couple, Family, Single parent	$270.52 – $1,249.56
Executive R - Gold $100 Excess	Gold	Combined	$100	None	38	0	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$548.89 – $1,568.80
Executive R - Gold $150 Excess	Gold	Combined	$150	None	38	0	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$539.59 – $1,534.38
Executive R - Gold $200 Excess	Gold	Combined	$200	None	38	0	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$527.54 – $1,509.22
Executive R - Gold $300 Excess	Gold	Combined	$300	None	38	0	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$502.31 – $1,486.20
Executive R - Gold $400 Excess	Gold	Combined	$400	None	38	0	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$474.77 – $1,410.93
Executive R - Gold $500 Excess	Gold	Combined	$500	None	38	0	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$454.28 – $1,392.20
Executive R - Gold $750 Excess	Gold	Combined	$750	None	38	0	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$436.90 – $1,346.83
Executive R - Gold Nil Excess	Gold	Combined	—	None	38	0	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$555.30 – $1,608.30
Gold Advanced Cover $750 Excess	Gold	Combined	$750	None	38	0	Yes		All states	SCFPSingle, Couple, Family, Single parent	$481.59 – $2,041.52
nib United Gold Resident Cover	Gold	Combined	—	None	38	0		Corporate	All states	SCFPSingle, Couple, Family, Single parent	$562.55 – $1,141.98
Premier - Gold $250 Excess	Gold	Combined	—	None	38	0	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$461.14 – $1,564.51
Premier - Gold $500 Excess	Gold	Combined	—	None	38	0	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$419.25 – $1,493.42
Premier - Gold $750 Excess	Gold	Combined	—	None	38	0	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$399.93 – $1,458.78
Premier - Gold Nil Excess	Gold	Combined	—	None	38	0	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$506.95 – $1,715.05
AAMI Silver Advantage Hospital Plus $250 Excess	Silver Plus	Hospital	$250	None	34	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$196.22 – $852.00
AAMI Silver Advantage Hospital Plus $500 Excess	Silver Plus	Hospital	$500	None	34	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$174.82 – $760.25
AAMI Silver Advantage Hospital Plus $750 Excess	Silver Plus	Hospital	$750	None	34	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$159.52 – $704.62
AAMI Silver Everyday Hospital Plus $500 Excess	Silver Plus	Hospital	$500	None	31	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$115.10 – $538.39
AAMI Silver Everyday Hospital Plus $750 Excess	Silver Plus	Hospital	$750	None	31	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$102.10 – $497.54
Apia Silver Hospital Plus $500 Excess	Silver Plus	Hospital	$500	None	30	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$169.68 – $742.42
Apia Silver Hospital Plus $750 Excess	Silver Plus	Hospital	$750	None	30	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$155.55 – $677.65
Apia Silver Premium Hospital Plus $250 Excess	Silver Plus	Hospital	$250	None	36	0	Yes		All states	SCFPSingle, Couple, Family, Single parent	$226.15 – $895.44
Apia Silver Premium Hospital Plus $500 Excess	Silver Plus	Hospital	$500	None	36	0	Yes		All states	SCFPSingle, Couple, Family, Single parent	$196.17 – $826.38
Apia Silver Premium Hospital Plus $750 Excess	Silver Plus	Hospital	$750	None	36	0	Yes		All states	SCFPSingle, Couple, Family, Single parent	$194.19 – $771.09
Corporate Mid Hospital - Silver Plus $250 Excess	Silver Plus	Hospital	$250	None	32	1	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$204.34 – $790.61
Corporate Mid Hospital - Silver Plus $500 Excess	Silver Plus	Hospital	$500	None	32	1	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$166.25 – $652.26
Corporate Mid Hospital - Silver Plus $750 Excess	Silver Plus	Hospital	$750	None	32	1	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$148.55 – $605.99
Corporate Mid Hospital - Silver Plus Nil Excess	Silver Plus	Hospital	—	None	32	1	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$211.79 – $811.94
ING Silver Plus Hospital $500 Excess	Silver Plus	Hospital	$500	None	31	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$170.76 – $746.82
ING Silver Plus Hospital $750 Excess	Silver Plus	Hospital	$750	None	31	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$157.17 – $687.58
Mid Hospital - Silver Plus $250 Excess	Silver Plus	Hospital	$250	None	30	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$202.31 – $755.29
Mid Hospital - Silver Plus $500 Excess	Silver Plus	Hospital	$500	None	30	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$185.39 – $658.35
Mid Hospital - Silver Plus $750 Excess	Silver Plus	Hospital	$750	None	30	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$165.03 – $608.02
Mid Hospital - Silver Plus Nil Excess	Silver Plus	Hospital	—	None	30	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$248.08 – $826.54
Qantas Silver Plus Advanced Hospital $250 Excess	Silver Plus	Hospital	$250	None	34	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$195.23 – $849.63
Qantas Silver Plus Advanced Hospital $500 Excess	Silver Plus	Hospital	$500	None	34	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$175.91 – $755.29
Qantas Silver Plus Advanced Hospital $750 Excess	Silver Plus	Hospital	$750	None	34	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$158.21 – $699.65
Qantas Silver Plus Select Hospital	Silver Plus	Hospital	$250	None	31	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$168.46 – $792.07
Qantas Silver Plus Select Hospital	Silver Plus	Hospital	$500	None	31	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$133.79 – $704.17
Qantas Silver Plus Select Hospital	Silver Plus	Hospital	$750	None	31	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$126.07 – $660.95
Qantas Silver Plus Standard $500 Excess	Silver Plus	Hospital	$500	None	29	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$113.12 – $533.32
Qantas Silver Plus Standard $750 Excess	Silver Plus	Hospital	$750	None	29	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$100.70 – $490.55
Real Silver Plus Hospital $500 Excess	Silver Plus	Hospital	$500	None	33	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$170.58 – $747.84
Real Silver Plus Hospital $750 Excess	Silver Plus	Hospital	$750	None	33	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$156.77 – $714.10
Seniors Silver Plus Hospital $500 Excess	Silver Plus	Hospital	$500	None	33	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$171.62 – $726.40
Seniors Silver Plus Hospital $750 Excess	Silver Plus	Hospital	$750	None	33	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$156.59 – $682.50
Silver Advantage Hospital Plus $250 Excess	Silver Plus	Hospital	$250	None	32	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$194.86 – $844.10
Silver Advantage Hospital Plus $500 Excess	Silver Plus	Hospital	$500	None	32	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$173.88 – $751.45
Silver Advantage Hospital Plus $750 Excess	Silver Plus	Hospital	$750	None	32	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$159.70 – $697.85
Silver Corporate Advantage Hospital Plus $500 Excess	Silver Plus	Hospital	$500	None	34	1	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$152.07 – $709.25
Silver Corporate Advantage Hospital Plus $750 Excess	Silver Plus	Hospital	$750	None	34	1	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$142.10 – $663.20
Silver Corporate Assured Hospital Plus	Silver Plus	Hospital	—	None	32	1	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$152.06 – $700.05
Silver Corporate Assured Hospital Plus	Silver Plus	Hospital	$250	None	32	1	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$137.89 – $653.14
Silver Corporate Assured Hospital Plus	Silver Plus	Hospital	$500	None	32	1	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$109.16 – $563.55
Silver Corporate Assured Hospital Plus	Silver Plus	Hospital	$750	None	32	1	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$98.28 – $519.78
Silver Corporate Standard Hospital Plus $500 Excess	Silver Plus	Hospital	$500	None	31	1	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$141.38 – $574.62
Silver Corporate Standard Hospital Plus $750 Excess	Silver Plus	Hospital	$750	None	31	1	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$123.64 – $528.13
Silver Executive Hospital Plus	Silver Plus	Hospital	—	None	32	1	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$131.73 – $593.88
Silver Executive Hospital Plus	Silver Plus	Hospital	$250	None	32	1	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$119.86 – $552.07
Silver Executive Hospital Plus	Silver Plus	Hospital	$500	None	32	1	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$106.99 – $515.56
Silver Executive Hospital Plus	Silver Plus	Hospital	$750	None	32	1	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$99.49 – $476.13
Silver Secure Hospital Plus $500 Excess	Silver Plus	Hospital	$500	None	29	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$97.14 – $521.24
Silver Secure Hospital Plus $750 Excess	Silver Plus	Hospital	$750	None	29	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$87.84 – $471.81
Silver Select Hospital Plus $250 Excess	Silver Plus	Hospital	$250	None	33	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$166.88 – $796.02
Silver Select Hospital Plus $500 Excess	Silver Plus	Hospital	$500	None	33	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$136.27 – $717.71
Silver Select Hospital Plus $750 Excess	Silver Plus	Hospital	$750	None	33	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$126.16 – $675.39
Suncorp Health Insurance Silver Advantage Hospital Plus $250 Excess	Silver Plus	Hospital	$250	None	34	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$195.09 – $852.00
Suncorp Health Insurance Silver Advantage Hospital Plus $500 Excess	Silver Plus	Hospital	$500	None	34	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$173.69 – $758.45
Suncorp Health Insurance Silver Advantage Hospital Plus $750 Excess	Silver Plus	Hospital	$750	None	34	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$159.39 – $704.62
Suncorp Health Insurance Silver Everyday Hospital Plus $500 Excess	Silver Plus	Hospital	$500	None	31	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$115.10 – $544.38
Suncorp Health Insurance Silver Everyday Hospital Plus $750 Excess	Silver Plus	Hospital	$750	None	31	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$102.10 – $499.80
Apia Silver Hospital $500 Excess	Silver	Hospital	$500	None	28	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$111.31 – $537.27
Apia Silver Hospital $750 Excess	Silver	Hospital	$750	None	28	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$100.66 – $496.53
ING Silver Hospital $500 Excess	Silver	Hospital	$500	None	27	2	Yes		All states	SCFPSingle, Couple, Family, Single parent	$111.81 – $537.49
ING Silver Hospital $750 Excess	Silver	Hospital	$750	None	27	2	Yes		All states	SCFPSingle, Couple, Family, Single parent	$99.40 – $496.53
Real Silver Hospital $500 Excess	Silver	Hospital	$500	None	26	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$117.45 – $537.83
Real Silver Hospital $750 Excess	Silver	Hospital	$750	None	26	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$102.83 – $496.98
Seniors Silver Hospital $500 Excess	Silver	Hospital	$500	None	26	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$111.27 – $537.72
Seniors Silver Hospital $750 Excess	Silver	Hospital	$750	None	26	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$101.02 – $496.53
Silver Corporate Assured Hospital	Silver	Hospital	—	None	28	1	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$138.75 – $633.32
Silver Corporate Assured Hospital	Silver	Hospital	$250	None	28	1	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$129.13 – $595.73
Silver Corporate Assured Hospital	Silver	Hospital	$500	None	28	1	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$97.93 – $509.28
Silver Corporate Assured Hospital	Silver	Hospital	$750	None	28	1	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$87.06 – $475.91
Silver Hospital	Silver	Hospital	$500	None	28	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$113.12 – $528.46
Silver Hospital	Silver	Hospital	$750	None	28	1	Yes		All states	SCFPSingle, Couple, Family, Single parent	$99.94 – $488.18
AAMI Bronze Hospital $500 Excess	Bronze Plus	Hospital	$500	None	22	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$88.79 – $420.81
AAMI Bronze Hospital $750 Excess	Bronze Plus	Hospital	$750	None	22	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$77.46 – $377.14
Apia Bronze Hospital Plus $500 Excess	Bronze Plus	Hospital	$500	None	22	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$88.74 – $422.73
Apia Bronze Hospital Plus $750 Excess	Bronze Plus	Hospital	$750	None	22	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$77.41 – $378.94
Bronze Corporate Assured Hospital Plus	Bronze Plus	Hospital	—	None	22	3	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$130.39 – $502.02
Bronze Corporate Assured Hospital Plus	Bronze Plus	Hospital	$250	None	22	3	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$116.26 – $466.70
Bronze Corporate Assured Hospital Plus	Bronze Plus	Hospital	$500	None	22	3	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$87.49 – $394.66
Bronze Corporate Assured Hospital Plus	Bronze Plus	Hospital	$750	None	22	3	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$79.99 – $375.92
Bronze Corporate Hospital Plus $500 Excess	Bronze Plus	Hospital	$500	None	26	3	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$115.69 – $443.38
Bronze Corporate Hospital Plus $750 Excess	Bronze Plus	Hospital	$750	None	26	3	Yes	Corporate	All states	SCFPSingle, Couple, Family, Single parent	$97.91 – $397.45
Bronze Hospital Plus $500 Excess	Bronze Plus	Hospital	$500	None	22	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$90.01 – $421.37
Bronze Hospital Plus $750 Excess	Bronze Plus	Hospital	$750	None	22	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$78.72 – $381.65
Bronze Protect Hospital Plus $500 Excess	Bronze Plus	Hospital	$500	None	22	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$75.02 – $402.98
Bronze Protect Hospital Plus $750 Excess	Bronze Plus	Hospital	$750	None	22	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$68.70 – $366.41
ING Bronze Plus Hospital $500 Excess	Bronze Plus	Hospital	$500	None	21	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$88.79 – $421.71
ING Bronze Plus Hospital $750 Excess	Bronze Plus	Hospital	$750	None	21	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$77.82 – $380.97
Qantas Bronze Hospital Plus $500 Excess	Bronze Plus	Hospital	$500	None	22	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$88.74 – $422.73
Qantas Bronze Hospital Plus $750 Excess	Bronze Plus	Hospital	$750	None	22	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$77.41 – $378.94
Real Bronze Plus Hospital $500 Excess	Bronze Plus	Hospital	$500	None	21	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$88.79 – $422.27
Real Bronze Plus Hospital $750 Excess	Bronze Plus	Hospital	$750	None	21	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$78.54 – $379.51
Seniors Bronze Plus Hospital $500 Excess	Bronze Plus	Hospital	$500	None	21	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$89.47 – $421.82
Seniors Bronze Plus Hospital $750 Excess	Bronze Plus	Hospital	$750	None	21	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$78.50 – $380.86
Suncorp Health Insurance Bronze Hospital $500 Excess	Bronze Plus	Hospital	$500	None	22	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$89.15 – $421.26
Suncorp Health Insurance Bronze Hospital $750 Excess	Bronze Plus	Hospital	$750	None	22	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$81.34 – $380.97
Bronze Hospital $500 Excess	Bronze	Hospital	$500	None	18	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$73.22 – $410.35
Bronze Hospital $750 Excess	Bronze	Hospital	$750	None	18	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$66.90 – $388.78
AAMI Basic Hospital Plus $500 Excess	Basic Plus	Hospital	$500	None	7	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$75.97 – $351.52
AAMI Basic Hospital Plus $750 Excess	Basic Plus	Hospital	$750	None	7	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$64.91 – $324.44
Basic Care Hospital Plus $500 Excess	Basic Plus	Hospital	$500	None	6	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$65.86 – $336.51
Basic Care Hospital Plus $750 Excess	Basic Plus	Hospital	$750	None	6	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$62.56 – $313.04
Basic Essential Hospital Plus $250 Excess	Basic Plus	Hospital	$250	None	7	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$90.46 – $394.29
Basic Essential Hospital Plus $500 Excess	Basic Plus	Hospital	$500	None	7	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$69.74 – $351.63
Basic Essential Hospital Plus $750 Excess	Basic Plus	Hospital	$750	None	7	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$65.41 – $324.44
ING Basic Plus Hospital $500 Excess	Basic Plus	Hospital	$500	None	8	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$74.03 – $351.86
ING Basic Plus Hospital $750 Excess	Basic Plus	Hospital	$750	None	8	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$64.91 – $320.49
Qantas Basic Hospital $500 Excess	Basic Plus	Hospital	$500	None	7	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$71.32 – $351.07
Qantas Basic Hospital $750 Excess	Basic Plus	Hospital	$750	None	7	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$65.41 – $324.21
Real Basic Plus Hospital $500 Excess	Basic Plus	Hospital	$500	None	7	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$77.05 – $352.31
Real Basic Plus Hospital $750 Excess	Basic Plus	Hospital	$750	None	7	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$65.18 – $324.21
Suncorp Health Insurance Basic Hospital Plus $500 Excess	Basic Plus	Hospital	$500	None	7	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$75.88 – $351.63
Suncorp Health Insurance Basic Hospital Plus $750 Excess	Basic Plus	Hospital	$750	None	7	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$64.91 – $318.96
Basic Accident Hospital $500 Excess	Basic	Hospital	$500	None	0	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$56.29 – $323.09
Basic Accident Hospital $750 Excess	Basic	Hospital	$750	None	0	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$54.80 – $307.86
Basic Kickstarter $500 Excess	Basic	Combined	$500	None	0	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$123.14 – $401.79
Basic Kickstarter $750 Excess	Basic	Combined	$750	None	0	3	Yes		All states	SCFPSingle, Couple, Family, Single parent	$108.60 – $361.45

A policy name opens the fund's own page for it where the fund publishes one. "Covered" links to the cover profile listing the clinical categories. Where a range remains after choosing a state and household, the fund sells several variants of the product there (for example with and without adult dependants) and the per-fund JSON has each.

Hospital cover profiles

Every product's hospital cover is one of these profiles over the 38 clinical categories. Restricted categories are paid at the minimum benefit only.

Cover profile 1 · 0 of 38 categories covered, 3 restricted, 35 not covered

Restricted Hospital psychiatric services, Palliative care, Rehabilitation

Not covered Assisted reproductive services, Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Skin, Sleep studies, Tonsils, adenoids and grommets, Weight loss surgery

Products Basic Accident Hospital $500 Excess (Basic, hospital); Basic Accident Hospital $750 Excess (Basic, hospital); Basic Kickstarter $500 Excess (Basic, combined); Basic Kickstarter $750 Excess (Basic, combined)

Cover profile 2 · 38 of 38 categories covered, 0 restricted, 0 not covered

Covered Assisted reproductive services, Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Hospital psychiatric services, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets, Weight loss surgery

Products AAMI Gold Hospital $750 Excess (Gold, hospital); Gold Corporate Assured Hospital (Gold, hospital); Gold Corporate Top Hospital $250 Excess (Gold, hospital); Gold Corporate Top Hospital $500 Excess (Gold, hospital); Gold Corporate Top Hospital $750 Excess (Gold, hospital); Gold Corporate Top Hospital Nil Excess (Gold, hospital); Gold Executive Hospital (Gold, hospital); ING Gold Hospital $750 Excess (Gold, hospital); Qantas Gold Top Hospital $750 Excess (Gold, hospital); Real Gold Hospital $750 Excess (Gold, hospital); Seniors Gold Hospital (Gold, hospital); Suncorp Health Insurance Gold Hospital $750 Excess (Gold, hospital) and 14 more

Cover profile 3 · 6 of 38 categories covered, 3 restricted, 29 not covered

Covered Dental surgery, Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Joint reconstructions, Tonsils, adenoids and grommets

Restricted Hospital psychiatric services, Palliative care, Rehabilitation

Not covered Assisted reproductive services, Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Skin, Sleep studies, Weight loss surgery

Products Basic Care Hospital Plus $500 Excess (Basic Plus, hospital); Basic Care Hospital Plus $750 Excess (Basic Plus, hospital)

Cover profile 4 · 8 of 38 categories covered, 3 restricted, 27 not covered

Covered Dental surgery, Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Joint reconstructions, Male reproductive system, Miscarriage and termination of pregnancy, Tonsils, adenoids and grommets

Restricted Hospital psychiatric services, Palliative care, Rehabilitation

Not covered Assisted reproductive services, Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Kidney and bladder, Lung and chest, Pain management, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Skin, Sleep studies, Weight loss surgery

Products ING Basic Plus Hospital $500 Excess (Basic Plus, hospital); ING Basic Plus Hospital $750 Excess (Basic Plus, hospital)

Cover profile 5 · 7 of 38 categories covered, 3 restricted, 28 not covered

Covered Dental surgery, Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Joint reconstructions, Miscarriage and termination of pregnancy, Tonsils, adenoids and grommets

Restricted Hospital psychiatric services, Palliative care, Rehabilitation

Not covered Assisted reproductive services, Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Pain management, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Skin, Sleep studies, Weight loss surgery

Products AAMI Basic Hospital Plus $500 Excess (Basic Plus, hospital); AAMI Basic Hospital Plus $750 Excess (Basic Plus, hospital); Basic Essential Hospital Plus $250 Excess (Basic Plus, hospital); Basic Essential Hospital Plus $500 Excess (Basic Plus, hospital); Basic Essential Hospital Plus $750 Excess (Basic Plus, hospital); Qantas Basic Hospital $500 Excess (Basic Plus, hospital); Qantas Basic Hospital $750 Excess (Basic Plus, hospital); Real Basic Plus Hospital $500 Excess (Basic Plus, hospital); Real Basic Plus Hospital $750 Excess (Basic Plus, hospital); Suncorp Health Insurance Basic Hospital Plus $500 Excess (Basic Plus, hospital); Suncorp Health Insurance Basic Hospital Plus $750 Excess (Basic Plus, hospital)

Cover profile 6 · 22 of 38 categories covered, 3 restricted, 13 not covered

Covered Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Podiatric surgery (provided by a registered podiatric surgeon), Skin, Tonsils, adenoids and grommets

Restricted Hospital psychiatric services, Palliative care, Rehabilitation

Not covered Assisted reproductive services, Back, neck and spine, Cataracts, Dialysis for chronic kidney failure, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Pain management with device, Plastic and reconstructive surgery (medically necessary), Pregnancy and birth, Sleep studies, Weight loss surgery

Products AAMI Bronze Hospital $500 Excess (Bronze Plus, hospital); AAMI Bronze Hospital $750 Excess (Bronze Plus, hospital); Apia Bronze Hospital Plus $500 Excess (Bronze Plus, hospital); Apia Bronze Hospital Plus $750 Excess (Bronze Plus, hospital); Bronze Corporate Assured Hospital Plus (Bronze Plus, hospital); Bronze Hospital Plus $500 Excess (Bronze Plus, hospital); Bronze Hospital Plus $750 Excess (Bronze Plus, hospital); Qantas Bronze Hospital Plus $500 Excess (Bronze Plus, hospital); Qantas Bronze Hospital Plus $750 Excess (Bronze Plus, hospital); Suncorp Health Insurance Bronze Hospital $500 Excess (Bronze Plus, hospital); Suncorp Health Insurance Bronze Hospital $750 Excess (Bronze Plus, hospital)

Cover profile 7 · 18 of 38 categories covered, 3 restricted, 17 not covered

Covered Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Joint reconstructions, Kidney and bladder, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Skin, Tonsils, adenoids and grommets

Restricted Hospital psychiatric services, Palliative care, Rehabilitation

Not covered Assisted reproductive services, Back, neck and spine, Blood, Cataracts, Dental surgery, Dialysis for chronic kidney failure, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Lung and chest, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Sleep studies, Weight loss surgery

Products Bronze Hospital $500 Excess (Bronze, hospital); Bronze Hospital $750 Excess (Bronze, hospital)

Cover profile 8 · 22 of 38 categories covered, 3 restricted, 13 not covered

Covered Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Skin, Sleep studies, Tonsils, adenoids and grommets

Restricted Hospital psychiatric services, Palliative care, Rehabilitation

Not covered Assisted reproductive services, Back, neck and spine, Cataracts, Dialysis for chronic kidney failure, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Weight loss surgery

Products Bronze Protect Hospital Plus $500 Excess (Bronze Plus, hospital); Bronze Protect Hospital Plus $750 Excess (Bronze Plus, hospital)

Cover profile 9 · 26 of 38 categories covered, 3 restricted, 9 not covered

Covered Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Insulin pumps, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Skin, Sleep studies, Tonsils, adenoids and grommets

Restricted Hospital psychiatric services, Palliative care, Rehabilitation

Products Bronze Corporate Hospital Plus $500 Excess (Bronze Plus, hospital); Bronze Corporate Hospital Plus $750 Excess (Bronze Plus, hospital)

Cover profile 10 · 21 of 38 categories covered, 3 restricted, 14 not covered

Restricted Hospital psychiatric services, Palliative care, Rehabilitation

Not covered Assisted reproductive services, Back, neck and spine, Cataracts, Dialysis for chronic kidney failure, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Sleep studies, Weight loss surgery

Products ING Bronze Plus Hospital $500 Excess (Bronze Plus, hospital); ING Bronze Plus Hospital $750 Excess (Bronze Plus, hospital); Real Bronze Plus Hospital $500 Excess (Bronze Plus, hospital); Real Bronze Plus Hospital $750 Excess (Bronze Plus, hospital); Seniors Bronze Plus Hospital $500 Excess (Bronze Plus, hospital); Seniors Bronze Plus Hospital $750 Excess (Bronze Plus, hospital)

Cover profile 11 · 32 of 38 categories covered, 1 restricted, 5 not covered

Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets

Restricted Hospital psychiatric services

Not covered Assisted reproductive services, Cataracts, Joint replacements, Pregnancy and birth, Weight loss surgery

Products Corporate Mid Hospital - Silver Plus $250 Excess (Silver Plus, hospital); Corporate Mid Hospital - Silver Plus $500 Excess (Silver Plus, hospital); Corporate Mid Hospital - Silver Plus $750 Excess (Silver Plus, hospital); Corporate Mid Hospital - Silver Plus Nil Excess (Silver Plus, hospital); Silver Corporate Assured Hospital Plus (Silver Plus, hospital); Silver Executive Hospital Plus (Silver Plus, hospital)

Cover profile 12 · 28 of 38 categories covered, 1 restricted, 9 not covered

Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Tonsils, adenoids and grommets

Restricted Hospital psychiatric services

Not covered Assisted reproductive services, Cataracts, Dialysis for chronic kidney failure, Insulin pumps, Joint replacements, Pain management with device, Pregnancy and birth, Sleep studies, Weight loss surgery

Products Apia Silver Hospital $500 Excess (Silver, hospital); Apia Silver Hospital $750 Excess (Silver, hospital); Silver Corporate Assured Hospital (Silver, hospital); Silver Hospital (Silver, hospital)

Cover profile 13 · 29 of 38 categories covered, 1 restricted, 8 not covered

Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets

Restricted Hospital psychiatric services

Products Qantas Silver Plus Standard $500 Excess (Silver Plus, hospital); Qantas Silver Plus Standard $750 Excess (Silver Plus, hospital); Silver Secure Hospital Plus $500 Excess (Silver Plus, hospital); Silver Secure Hospital Plus $750 Excess (Silver Plus, hospital)

Cover profile 14 · 26 of 38 categories covered, 3 restricted, 9 not covered

Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Skin, Tonsils, adenoids and grommets

Restricted Hospital psychiatric services, Palliative care, Rehabilitation

Products Real Silver Hospital $500 Excess (Silver, hospital); Real Silver Hospital $750 Excess (Silver, hospital); Seniors Silver Hospital $500 Excess (Silver, hospital); Seniors Silver Hospital $750 Excess (Silver, hospital)

Cover profile 15 · 31 of 38 categories covered, 1 restricted, 6 not covered

Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets

Restricted Hospital psychiatric services

Not covered Assisted reproductive services, Cataracts, Dialysis for chronic kidney failure, Joint replacements, Pregnancy and birth, Weight loss surgery

Products AAMI Silver Everyday Hospital Plus $500 Excess (Silver Plus, hospital); AAMI Silver Everyday Hospital Plus $750 Excess (Silver Plus, hospital); Silver Corporate Standard Hospital Plus $500 Excess (Silver Plus, hospital); Silver Corporate Standard Hospital Plus $750 Excess (Silver Plus, hospital); Suncorp Health Insurance Silver Everyday Hospital Plus $500 Excess (Silver Plus, hospital); Suncorp Health Insurance Silver Everyday Hospital Plus $750 Excess (Silver Plus, hospital)

Cover profile 16 · 27 of 38 categories covered, 2 restricted, 9 not covered

Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Tonsils, adenoids and grommets

Restricted Hospital psychiatric services, Palliative care

Products ING Silver Hospital $500 Excess (Silver, hospital); ING Silver Hospital $750 Excess (Silver, hospital)

Cover profile 17 · 34 of 38 categories covered, 1 restricted, 3 not covered

Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets

Restricted Hospital psychiatric services

Not covered Assisted reproductive services, Pregnancy and birth, Weight loss surgery

Products AAMI Silver Advantage Hospital Plus $250 Excess (Silver Plus, hospital); AAMI Silver Advantage Hospital Plus $500 Excess (Silver Plus, hospital); AAMI Silver Advantage Hospital Plus $750 Excess (Silver Plus, hospital); Qantas Silver Plus Advanced Hospital $250 Excess (Silver Plus, hospital); Qantas Silver Plus Advanced Hospital $500 Excess (Silver Plus, hospital); Qantas Silver Plus Advanced Hospital $750 Excess (Silver Plus, hospital); Silver Corporate Advantage Hospital Plus $500 Excess (Silver Plus, hospital); Silver Corporate Advantage Hospital Plus $750 Excess (Silver Plus, hospital); Suncorp Health Insurance Silver Advantage Hospital Plus $250 Excess (Silver Plus, hospital); Suncorp Health Insurance Silver Advantage Hospital Plus $500 Excess (Silver Plus, hospital); Suncorp Health Insurance Silver Advantage Hospital Plus $750 Excess (Silver Plus, hospital)

Cover profile 18 · 30 of 38 categories covered, 1 restricted, 7 not covered

Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets

Restricted Hospital psychiatric services

Not covered Assisted reproductive services, Cataracts, Dialysis for chronic kidney failure, Insulin pumps, Pain management with device, Pregnancy and birth, Weight loss surgery

Products Mid Hospital - Silver Plus $250 Excess (Silver Plus, hospital); Mid Hospital - Silver Plus $500 Excess (Silver Plus, hospital); Mid Hospital - Silver Plus $750 Excess (Silver Plus, hospital); Mid Hospital - Silver Plus Nil Excess (Silver Plus, hospital)

Cover profile 19 · 31 of 38 categories covered, 1 restricted, 6 not covered

Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets

Restricted Hospital psychiatric services

Not covered Assisted reproductive services, Dialysis for chronic kidney failure, Insulin pumps, Pain management with device, Pregnancy and birth, Weight loss surgery

Products Qantas Silver Plus Select Hospital (Silver Plus, hospital)

Cover profile 20 · 30 of 38 categories covered, 1 restricted, 7 not covered

Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Tonsils, adenoids and grommets

Restricted Hospital psychiatric services

Not covered Assisted reproductive services, Dialysis for chronic kidney failure, Insulin pumps, Pain management with device, Pregnancy and birth, Sleep studies, Weight loss surgery

Products Apia Silver Hospital Plus $500 Excess (Silver Plus, hospital); Apia Silver Hospital Plus $750 Excess (Silver Plus, hospital)

Cover profile 21 · 31 of 38 categories covered, 1 restricted, 6 not covered

Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Tonsils, adenoids and grommets

Restricted Hospital psychiatric services

Not covered Assisted reproductive services, Insulin pumps, Pain management with device, Pregnancy and birth, Sleep studies, Weight loss surgery

Products ING Silver Plus Hospital $500 Excess (Silver Plus, hospital); ING Silver Plus Hospital $750 Excess (Silver Plus, hospital)

Cover profile 22 · 33 of 38 categories covered, 1 restricted, 4 not covered

Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets

Restricted Hospital psychiatric services

Not covered Assisted reproductive services, Dialysis for chronic kidney failure, Pregnancy and birth, Weight loss surgery

Products Real Silver Plus Hospital $500 Excess (Silver Plus, hospital); Real Silver Plus Hospital $750 Excess (Silver Plus, hospital); Seniors Silver Plus Hospital $500 Excess (Silver Plus, hospital); Seniors Silver Plus Hospital $750 Excess (Silver Plus, hospital); Silver Select Hospital Plus $250 Excess (Silver Plus, hospital); Silver Select Hospital Plus $500 Excess (Silver Plus, hospital); Silver Select Hospital Plus $750 Excess (Silver Plus, hospital)

Cover profile 23 · 32 of 38 categories covered, 1 restricted, 5 not covered

Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets

Restricted Hospital psychiatric services

Not covered Assisted reproductive services, Insulin pumps, Pain management with device, Pregnancy and birth, Weight loss surgery

Products Silver Advantage Hospital Plus $250 Excess (Silver Plus, hospital); Silver Advantage Hospital Plus $500 Excess (Silver Plus, hospital); Silver Advantage Hospital Plus $750 Excess (Silver Plus, hospital)

Cover profile 24 · 36 of 38 categories covered, 0 restricted, 2 not covered

Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Hospital psychiatric services, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets, Weight loss surgery

Not covered Assisted reproductive services, Pregnancy and birth

Products Apia Silver Premium Hospital Plus $250 Excess (Silver Plus, hospital); Apia Silver Premium Hospital Plus $500 Excess (Silver Plus, hospital); Apia Silver Premium Hospital Plus $750 Excess (Silver Plus, hospital)

Extras profiles

Extras profile 1 · 9 services

Services Acupuncture, Chinese herbal medicine, Chiropractic, General dental, Dietetics, Exercise physiology, Non-PBS pharmaceuticals, Osteopathy, Physiotherapy

Products Basic Kickstarter $500 Excess (Basic, combined); Basic Kickstarter $750 Excess (Basic, combined)

Extras profile 2 · 22 services

Services Acupuncture, Antenatal and postnatal, Chiropractic, General dental, Major dental, Dietetics, Endodontic, Exercise physiology, Glucose monitors, Hearing aids, Home nursing, Non-PBS pharmaceuticals, Occupational therapy, Optical, Orthodontic, Orthoptics, Orthotics, Osteopathy, Physiotherapy, Podiatry, Remedial massage, Speech therapy

Products Executive R - Gold $100 Excess (Gold, combined); Executive R - Gold $150 Excess (Gold, combined); Executive R - Gold $200 Excess (Gold, combined); Executive R - Gold $300 Excess (Gold, combined); Executive R - Gold $400 Excess (Gold, combined); Executive R - Gold $500 Excess (Gold, combined); Executive R - Gold $750 Excess (Gold, combined); Executive R - Gold Nil Excess (Gold, combined)

Extras profile 3 · 25 services

Services Acupuncture, Antenatal and postnatal, Chinese herbal medicine, Chiropractic, General dental, Major dental, Dietetics, Endodontic, Exercise physiology, Glucose monitors, Health management programs, Hearing aids, Home nursing, Non-PBS pharmaceuticals, Occupational therapy, Optical, Orthodontic, Orthoptics, Orthotics, Osteopathy, Physiotherapy, Podiatry, Psychology, Remedial massage, Speech therapy

Products Gold Advanced Cover $750 Excess (Gold, combined); nib United Gold Resident Cover (Gold, combined); Premier - Gold $250 Excess (Gold, combined); Premier - Gold $500 Excess (Gold, combined); Premier - Gold $750 Excess (Gold, combined); Premier - Gold Nil Excess (Gold, combined)

Waiting periods

Waiting profile 1: pre-existing conditions 12 months, sub-acute care 2 months, other 2 months (112 products)
Waiting profile 2: pre-existing conditions 12 months, pregnancy and birth 12 months, sub-acute care 2 months, other 2 months (35 products)
Waiting profile 3: pre-existing conditions 0 months, pregnancy and birth 0 months, sub-acute care 0 months, other 0 months (1 product)

Data

This section is built from the Private Health Insurance Ombudsman's monthly policy data release. The same records are published as JSON, each row naming the release file it came from:

/au/insurance/health/v1/funds/nib.json: this fund, every policy row and the cover, waiting-period and extras profiles.
/au/insurance/health/v1/policies/<STATE>.json: every fund's policies sold in a state (NSW, VIC, QLD, SA, WA, TAS, NT).
/au/insurance/health/v1/cheapest.json: the cheapest policies per state, household and tier.
/au/insurance/health/v1/index.json: dataset index, including every per-fund file.

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.