Avoid rip-off health insurance
Silver Plus policies that are more expensive than Gold.
Australian Capital Territory and New South Wales
AAMI (NIB) Silver Advantage Hospital Plus, $228 per month
AIA Silver Plus Advanced, $237 per month
AIA Silver Plus Family, $297 per month
Apia (NIB) Silver Hospital Plus, $225 per month
Apia (NIB) Silver Premium Hospital Plus, $245 per month
Australian Unity Classic Hospital, $226 per month
Bupa Silver Plus Assured, $229 per month
HBF Silver Hospital Plus, $231 per month
HCF Hospital Silver Plus, $231 per month
Health Partners Silver Hospital Plus Advantage, $233 per month
HIF Silver Plus Hospital, $224 per month
ING (NIB) Silver Plus, $228 per month
Latrobe Silver Plus Excess, $224 per month
Medibank Silver Plus Secure (requires Extras policy), $231 per month
NIB Silver Advantage Hospital Plus, $229 per month
NIB Silver Select Hospital Plus, $229 per month
Peoplecare Silver Plus Hospital $750, $222 per month
Phoenix Silver Plus Advantage, $234 per month
Phoenix Silver Plus Family, $300 per month
Qantas (NIB) Silver Plus Advanced, $228 per month
Real (NIB) Silver Plus, $228 per month
see-u (HBF) Premium Hospital Non-Obstetrics, $247 per month
Seniors (NIB) Silver Plus, $228 per month
Suncorp (NIB) Silver Advantage Hospital Plus, $228 per month
TUH Silver+ Family, $232 per month
Union Health Silver+ Family, $232 per month.
Victoria
AAMI (NIB) Silver Advantage Hospital Plus, $251 per month
AHM Super Silver Plus, $241 per month
AIA Silver Plus Advanced, $247 per month
AIA Silver Plus Family, $313 per month
Apia (NIB) Silver Hospital Plus, $246 per month
Apia (NIB) Silver Premium Hospital Plus, $253 per month
Australian Unity Classic Hospital, $241 per month
Australian Unity Value Hospital (Copay 100 day/500 yr), $220 per month
Bupa Silver Plus Advanced, $236 per month
Bupa Silver Plus Assured, $252 per month
CBHS Corporate Silver Plus, $222 per month
Defence Health Advantage Hospital Silver Plus, $231 per month
GMHBA Frank Max (Silver+), $234 per month
GMHBA Silver Plus Classic, $239 per month
GMHBA Silver Plus Premium, $236 per month
HBF Silver Hospital Plus, $247 per month
HCF Hospital Silver Plus, $246 per month
HCI Silver Plus Advantage, $230 per month
Health Partners Silver Hospital Plus Advantage, $260 per month
HIF Silver Plus Hospital, $242 per month
Hunter Health Silver Plus Hospital, $226 per month
ING (NIB) Silver Plus, $251 per month
Latrobe Silver Plus Excess, $233 per month
Medibank Silver Plus Secure (requires Extras policy), $252 per month
NIB Silver Advantage Hospital Plus, $253 per month
NIB Silver Select Hospital Plus, $250 per month
Peoplecare Silver Plus Hospital $750, $241 per month
Phoenix Silver Plus Advantage, $241 per month
Phoenix Silver Plus Family, $320 per month
Qantas (NIB) Silver Plus Advanced, $252 per month
Real (NIB) Silver Plus, $251 per month
RT Health (HCF) Silver Plus Assure, $232 per month
see-u (HBF) Premium Hospital Non-Obstetrics, $258 per month
Seniors (NIB) Silver Plus, $251 per month
Suncorp (NIB) Silver Advantage Hospital Plus, $251 per month
Transport (HCF) Silver Plus Assure, $232 per month
TUH Silver+ Family, $235 per month
TUH Silver+ No Pregnancy, $226 per month
Union Health Silver+ Family, $235 per month
Union Health Silver+ No Pregnancy, $226 per month
Westfund Silver Plus Assure, $253 per month.
Queensland
AAMI (NIB) Silver Advantage Hospital Plus, $242 per month
AHM Super Silver Plus, $233 per month
AIA Silver Plus Advanced, $249 per month
AIA Silver Plus Family, $307 per month
Apia (NIB) Silver Hospital Plus, $240 per month
Apia (NIB) Silver Premium Hospital Plus, $262 per month
Australian Unity Classic Hospital, $230 per month
Bupa Silver Plus Advanced, $227 per month
Bupa Silver Plus Assured, $250 per month
GMHBA Frank Max (Silver+), $227 per month
GMHBA Silver Plus Classic, $231 per month
GMHBA Silver Plus Premium, $228 per month
HBF Silver Hospital Plus, $242 per month
HCF Hospital Silver Plus, $240 per month
HCI Silver Plus Advantage, $221 per month
Health Partners Silver Hospital Plus Advantage, $249 per month
HIF Silver Plus Hospital, $241 per month
ING (NIB) Silver Plus, $242 per month
Latrobe Silver Plus Excess, $233 per month
Medibank Silver Plus Secure (requires Extras policy), $251 per month
NIB Silver Advantage Hospital Plus, $244 per month
NIB Silver Select Hospital Plus, $241 per month
Peoplecare Silver Plus Hospital $750, $242 per month
Phoenix Silver Plus Advantage, $245 per month
Phoenix Silver Plus Family, $320 per month
Qantas (NIB) Silver Plus Advanced, $242 per month
Real (NIB) Silver Plus, $242 per month
RT Health (HCF) Silver Plus Assure, $230 per month
see-u (HBF) Premium Hospital Non-Obstetrics, $250 per month
Seniors (NIB) Silver Plus, $242 per month
Suncorp (NIB) Silver Advantage Hospital Plus, $242 per month
Transport (HCF) Silver Plus Assure, $230 per month
TUH Silver+ Family, $237 per month
Union Health Silver+ Family, $237 per month
Westfund Silver Plus Assure, $229 per month.
Western Australia
AIA Silver Plus Family, $244 per month
Hunter Health Silver Plus Hospital, $229 per month
Latrobe Silver Plus Excess, $233 per month
Peoplecare Silver Plus Hospital $750, $222 per month
Phoenix Silver Plus Family, $280 per month.
South Australia
AIA Silver Plus Advanced, $228 per month
AIA Silver Plus Family, $285 per month
HIF Silver Plus Hospital, $222 per month
Hunter Health Silver Plus Hospital, $222 per month
Latrobe Silver Plus Excess, $224 per month
Medibank Silver Plus Secure (requires Extras policy), $233 per month
Peoplecare Silver Plus Hospital $750, $222 per month
Phoenix Silver Plus Advantage, $238 per month
Phoenix Silver Plus Family, $310 per month
TUH Silver+ Family, $232 per month
Union Health Silver+ Family, $232 per month.
Tasmania
AAMI (NIB) Silver Advantage Hospital Plus, $235 per month
AIA Silver Plus Advanced, $247 per month
AIA Silver Plus Family, $313 per month
Apia (NIB) Silver Premium Hospital Plus, $232 per month
Australian Unity Classic Hospital, $228 per month
Bupa Silver Plus Assured, $237 per month
GMHBA Frank Max (Silver+), $225 per month
GMHBA Silver Plus Classic, $234 per month
GMHBA Silver Plus Premium, $223 per month
HBF Silver Hospital Plus, $227 per month
HCF Hospital Silver Plus, $225 per month
Health Partners Silver Hospital Plus Advantage, $238 per month
HIF Silver Plus Hospital, $231 per month
Hunter Health Silver Plus Hospital, $224 per month
ING (NIB) Silver Plus, $235 per month
Latrobe Silver Plus Excess, $233 per month
Medibank Silver Plus Secure (requires Extras policy), $239 per month
NIB Silver Advantage Hospital Plus, $236 per month
NIB Silver Select Hospital Plus, $230 per month
Peoplecare Silver Plus Hospital $750, $222 per month
Phoenix Silver Plus Advantage, $234 per month
Phoenix Silver Plus Family, $310 per month
Qantas (NIB) Silver Plus Advanced, $236 per month
Real (NIB) Silver Plus, $234 per month
see-u (HBF) Premium Hospital Non-Obstetrics, $226 per month
Seniors (NIB) Silver Plus, $234 per month
Suncorp (NIB) Silver Advantage Hospital Plus, $235 per month
TUH Silver+ Family, $235 per month
TUH Silver+ No Pregnancy, $226 per month
Union Health Silver+ Family, $235 per month
Union Health Silver+ No Pregnancy, $226 per month.
Northern Territory
ACA Silver Private Hospital, $167 per month
AIA Silver Plus Advanced, $172 per month
AIA Silver Plus Family, $220 per month
Apia (NIB) Silver Premium Hospital Plus, $177 per month
CBHS Corporate Silver Plus, $161 per month
HCI Silver Plus Advantage, $155 per month
HCI Silver Plus Secure, $198 per month
HIF Silver Plus Hospital, $154 per month
Hunter Health Silver Plus Hospital, $217 per month
Latrobe Silver Excess*, $165 per month
Latrobe Silver Plus Excess, $233 per month
Peoplecare Silver Hospital*, $163 per month
Peoplecare Silver Plus Hospital $750, $222 per month
Phoenix Silver Everyday*, $160 per month
Phoenix Silver Plus Advantage, $234 per month
Phoenix Silver Plus Family, $190 per month
TUH Silver+ Family, $189 per month
TUH Silver+ No Pregnancy, $189 per month
Union Health Silver+ Family, $189 per month
Union Health Silver+ No Pregnancy, $189 per month
Westfund Silver Plus Assure, $204 per month.
* Denotes a Silver policy (rather than Silver Plus).
Notes
Cheapest open Gold policy in the Australian Capital Territory and New South Wales, Queensland, South Australia, Victoria and Tasmania is $220. In Western Australia it's $218 and in the Northern Territory it's $153. All policies above are single policies with a $750 excess. Families and couples pay about double. The great majority of policies are Silver Plus policies, while a handful are Silver policies. All have less cover than at least one Gold policy in the same state which costs less.
Sourced from data.gov.au in March 2024.