12 For-profit Policies
2 adults, NSW · Premiums before rebate · Apr–May 2026
A complete breakdown of all 12 for-profit Silver Plus hospital and extras policies available to 2 adults in your selected state or territory. Premiums are standard community-rated rates before the government rebate, priced between April and May 2026. Each policy is scored across hospital tier, excess, extras limits, and inclusions — with a curated picks list and value score so you can cut through the noise.
Recommendations Summary
Iaso’s picks on its own value score · How we score
Best Overall Value (no pregnancy)
Highest value score of the 12 policies we compare
AIA Silver Plus Advanced Hospital 500 + Best 70% Back Extras
$804/mo
Sweet spot for couples not needing pregnancy/IVF. $500
excess, 70% back on comprehensive extras ($1,000 dental, $600 physio, $300 psychology, $800 orthodontic lifetime), AIA Vitality membership with up to 10% bonus at Silver status. $27/mo cheaper than Bupa Silver Plus with significantly better extras.
Best Budget Pick
Highest value score under $800/mo
AIA Silver Plus Advanced Hospital 750 + Best 70% Back Extras
$753/mo
Saves $51/mo over the $500 excess version. AIA Vitality’s $500 excess refund at Silver status means the effective excess could be just $250 if you’re engaged with the program.
Best Gold Value
Highest value score of the 3 Gold policies
Bupa Gold Ultimate
$1,281/mo
No excess, no co-payments, strongest extras limits (physio $1,500, psychology $1,000, unlimited general dental, orthodontic $1,600/$3,200 lifetime). Covers pregnancy, IVF and weight loss surgery. Medibank Gold costs $85/mo more; nib Gold costs $249/mo more — and nib still charges a $750 excess.
One to Avoid
Lowest value score of the 12 policies we compare
nib Gold Advanced Cover $750 Excess
$1,530/mo
$18,364/year, Gold tier, and you still pay $750 excess per admission. Bupa Gold gives better or comparable coverage for $3,000/year less with zero excess.
Picks use Iaso’s value score (out of 100): our judgement of each policy’s hospital tier, excess, extras limits and inclusions against its price for 2 adults in NSW or ACT, prices as of 1 April 2026. Scores don’t change with state. They are general information, not a recommendation for your circumstances.
Seeing much cheaper quotes elsewhere? Comparison sites sometimes return policies at around half these prices. They are usually a lower hospital tier (Basic or Bronze), a single-person price, or fewer extras — not a like-for-like alternative. Check the hospital tier and extras before you compare prices.
All premiums are standard rates before the government rebate. Run the actual numbers through the ATO’s rebate calculator before committing.
