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Find the best Bronze health insurance policy

We review Bronze hospital insurance policies to find you the best.

bronze tier hospital insurance
Last updated: 24 June 2019


Checked for accuracy by our qualified fact-checkers and verifiers. Find out more about fact-checking at CHOICE.

Our insurance experts have reviewed Bronze hospital insurance policies from 36 health funds to find the best ones: you can compare health insurance right now. 

Need to know more about Bronze health insurance first? We explain what it covers, the differences between Bronze and Bronze Plus and how much you can expect to pay for Bronze cover.

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, 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.

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 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 Silver policies. 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 $104 to $313 a month for a family policy with excess. The cost varies depending on which state you live in, how much you earn, your level of excess and when you first bought health insurance.

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
  • Consider an excess if you're healthy and don't plan to go to hospital soon
  • You're better off without an excess if you think you'll go to hospital soon

CHOICE health insurance reviews

Our health insurance reviews are for members. We've got lots of helpful free content in our Health insurance section, but joining CHOICE gets you access to all our recommendations and could save you money. 

Some people will save over 30 times the cost of a quarterly CHOICE membership by finding a cheaper policy with our health insurance recommendations