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Updated 15/06/2023
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Additional content added to FAQ, including limits, benefits, what services are included?
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Fact checked
Our aim is to help you make better informed decisions. That’s why iSelect’s content is produced in accordance with our fact-checking and editorial guidelines.
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Written by

Mel Basta

Updated 15/06/2023

What changed?

Additional content added to FAQ, including limits, benefits, what services are included?
Our aim is to help you make better informed decisions. That’s why iSelect’s content is produced in accordance with our fact-checking and editorial guidelines.

Edited by

Laura Crowden

Find out more about how we make money.

View our Privacy Policy.

Check out our range of private health funds

iSelect does not compare all providers in the market or all policies offered by our partners in your area. Not all policies or special offers are available to all customers and some may only be available over the phone or on the website. Learn more.

What is Bronze Cover?

Bronze Cover is the second lowest of the four tiers of Hospital Cover. It’s generally a more affordable option than Silver or Gold, but also provides fewer benefits, so it’s really important that you are absolutely clear on what a Bronze Policy will cover you for, and just as importantly, what it won’t. 

What are the different Health Insurance tiers?

Bronze Cover: get the facts

What is Bronze Plus Cover?

While insurers have a minimum list of services they must include under each policy tier, they are welcome to add extra services at their discretion. If they add several extra services, then they’ll generally add a ‘plus’ to the policy name.

Some insurers offer such a level of cover in between Bronze and Silver, called Bronze Plus. Because there are no rules about which additional treatments insurers can include, what’s covered under Bronze Plus with one fund could be quite different from what’s covered by another.2Department of Health and Aged Care — Hospital cover and product tiers

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Who is Bronze Cover suitable for?

Because Bronze Cover doesn’t include many treatments, it’s not going to suit everyone. If you’re young and healthy (lucky you!) and want some peace of mind, but you’re more concerned about budget than high coverage, then Bronze could be a great choice. It has provisions for some conditions you might want to be prepared for just in case, like tonsilitis and joint reconstructions.3Privatehealth.gov.au – Product tiers But if you have health needs that are a little more complex, like asthma or scoliosis, Silver could be a better fit for you.4As above

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How much does Bronze Cover cost?

Different Insurance Providers have different prices for their Bronze Cover. As a rule of thumb, a Bronze policy from a particular provider will cost more than their Basic policy and less than their Silver policy. There’s a good reason for this, though – the more expensive the tier, the more treatment categories it covers. And so by the same logic, a Bronze Plus policy will generally cost more than a straight Bronze policy.

But remember, the price of Bronze policies between insurers can vary, which is why it pays to shop around!

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Frequently Asked Questions

What does a Bronze tier policy cover?

What’s not included in Bronze Cover?

Where can I compare Hospital Cover?

iSelect does not compare all health insurance providers or policies in the market. The availability of policies will change from time to time. Not all policies available from its providers are compared by iSelect and due to commercial arrangements, your stated needs and circumstances, not all policies compared by iSelect are available to all customers. Some policies and special offers are available only from iSelect’s contact centre or website. Click here to view iSelect’s range of providers