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Find the best Bronze health insurance policy

Learn what's covered by Bronze and Bronze Plus policies so you can choose the right level of cover.

bronze tier hospital insurance
Last updated: 17 June 2021
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Our insurance experts have reviewed Bronze hospital insurance policies from 36 health funds to find the best ones: compare health insurance now and see if you can secure cover that'll save you money. 

Not sure what Bronze health insurance covers or if it's right for you? We explain the differences between Bronze and Bronze Plus policies and how much you can expect to pay.

What is Bronze health insurance?

Bronze health insurance is a lower level of cover for private hospital insurance covering 18 categories of services in private hospital.

If you're healthy and not planning a family but you want back-up cover for broken bones, the flu and some diabetes treatment, Bronze health insurance could work for you.

If you just want health insurance to avoid taxes and don't actually need to use your health insurance, try the cheapest Basic policy. But if you want a higher level of cover, look for Bronze Plus, Silver or Gold health insurance.

Not sure what level hospital insurance you need? Take our quick quiz to find out.

What's covered by Bronze health insurance?

  • Breast, skin and prostate cancer surgery (including breast reconstruction), plus chemotherapy and radiation
  • Broken bones and other bone, joint and muscle treatments including joint reconstructions (but not replacements)
  • Ear, nose and throat surgery including tonsils, adenoids and grommets
  • Diabetes management in hospital (but not implanted insulin pumps)
  • Endoscopy and colonoscopy, plus other digestive system procedures including removal of gallstones or haemorrhoids
  • Gynaecology, miscarriage and termination of pregnancy, sterilisation (male and female) but not pregnancy and birth
  • Brain and nervous system treatments including for head injuries, stroke, epilepsy and Parkinson's disease
  • Hernia and appendix surgery
  • Skin-related procedures including treatments for lesions and abscesses, and allergy skin-prick testing
  • Palliative care, rehabilitation and psychiatric care (in a public hospital only)

What's Bronze Plus health insurance?

A Bronze Plus policy is a level up from Bronze but is cheaper than a Silver policy. Bronze Plus health insurance policies cover the 18 categories of services in private hospital listed above, plus at least one of the below treatments not covered by Bronze:

  • IVF, pregnancy and birth 
  • Joint replacements
  • Cataracts
  • Heart and vascular surgery
  • Lung cancer and other chest surgery
  • Medically necessary plastic and reconstructive surgery
  • Bone marrow transplants and other blood-related treatments
  • Investigation and treatment for back, neck and spine problems such as for sciatica and scoliosis
  • Dialysis
  • Dental surgery (wisdom teeth and dental implants in hospital)
  • Implantation of hearing devices
  • Accommodation in hospital for podiatric surgery
  • Insulin pumps
  • Sleep studies
  • Pain management with a device (for example, a surgically implanted device to manage pain caused by heart disease)

If you want cover for a specific treatment in the above list, you may be able to buy a Bronze Plus policy. Otherwise you'll need a Silver or Silver Plus policy or a Gold policy with all the bells and whistles.

We've found in many states Bronze Plus policies can be cheaper than some Bronze policies that cover fewer treatments. 

How much is Bronze health insurance?

Bronze and Bronze Plus health insurance ranges in price from $54 to $186 a month for a single policy with excess (without health insurance rebate).

The cost varies depending on which state you live in and your level of excess.

What is a health insurance excess?

  • An excess is an amount you pay when you go to hospital
  • The higher the excess, the lower the premium
  • You're better off with an excess if you're healthy and don't plan to go to hospital soon
  • Consider a low or no excess if you think you'll go to hospital soon

CHOICE health insurance reviews

If you're curious to know whether you're overpaying for health insurance, we've built a tool that allows you to compare thousands of health insurance policies from 42 brands across 36 funds (see the full list of below).

Our experts rate policies based on out-of-pocket costs, fund complaints, price and more, and we're 100% independent, which means we don't show sponsored results like other comparison sites. 

We show you all the funds – big and small, member-owned and nonprofit – to help you find the best. Compare health insurance now.

Our health insurance reviews are for members, but we've got lots of helpful free health insurance content, like advice, explainer articles and buying guides, to help you make sense of your options.

We care about accuracy. See something that's not quite right in this article? Let us know or read more about fact-checking at CHOICE