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How should I decide what Hospital Cover tier is best for me?

Reviewed and updated 5 June 2023

The following steps can help you decide which Hospital Cover tier is best:

Step 1

Assess your and/or your family’s current health needs and consider what those needs are likely to be in the future. 

Step 2

Review the 38 clinical categories included in Hospital Cover and decide which tier matches your health needs:

  • Basic
  • Bronze
  • Silver 
  • Gold.

Step 3

Use our Calculator to compare all insurers and policies to get the cheapest price for your Hospital Cover.

It can tell you whether you can save on your Hospital Cover because you are eligible for the:

It can also tell you if your Hospital Cover will be more expensive because you have to pay the Lifetime Health Cover Loading.

calculate your health insurance