Check out our range of private health funds
iSelect does not compare all providers or policies in the market and not all policies or special offers are available at all times, through all channels or in all areas. Not all policies available from our providers are compared by iSelect and due to commercial arrangements and customer circumstances, not all policies compared by iSelect are available to all customers. 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?
In Australia, there are four tiers of Private Hospital Insurance – Gold, Silver, Bronze, and Basic – dictated by the Australian Government. All Health Insurers have to stick to these tiers, and each tier includes specific minimum requirements.1Privatehealth.gov.au – Product 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.12 Department of Health and Aged Care — Hospital cover and product tiers
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.2Privatehealth.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.3As above
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!
Frequently Asked Questions
What does a Bronze tier policy cover?
As you can see in the table below, Basic Cover only has to include three categories, while Bronze includes several more, and Silver and Gold more again. The categories are either marked as unrestricted, which means you’ll be treated as a private patient in a private hospital and most or all of your treatment will be covered, or restricted, which means you’ll have some out-of-pocket expenses and you’ll usually be treated as a private patient but in a public hospital.4As above
If categories are marked as optional, that means an insurer has the option to cover them but doesn’t have to in that level of cover.
Hospital treatment by clinical category | Basic | Bronze | Silver | Gold |
---|---|---|---|---|
Rehabilitation | Yes (restricted) | Yes (restricted) | Yes | Yes |
Hospital psychiatric services | Yes (restricted) | Yes (restricted) | Yes | Yes |
Palliative care | Yes (restricted) | Yes (restricted) | Yes | Yes |
Brain and nervous system | Optional (restricted) | Yes | Yes | Yes |
Eye (not cataracts) | Optional (restricted) | Yes | Yes | Yes |
Ear, nose and throat | Optional (restricted) | Yes | Yes | Yes |
Tonsils, adenoids and grommets | Optional (restricted) | Yes | Yes | Yes |
Bone, joint and muscle | Optional (restricted) | Yes | Yes | Yes |
Joint reconstruction | Optional (restricted) | Yes | Yes | Yes |
Kidney and bladder | Optional (restricted) | Yes | Yes | Yes |
Male reproductive system | Optional (restricted) | Yes | Yes | Yes |
Digestive system | Optional (restricted) | Yes | Yes | Yes |
Hernia and appendix | Optional (restricted) | Yes | Yes | Yes |
Gastrointestinal endoscopy | Optional (restricted) | Yes | Yes | Yes |
Gynaecology | Optional (restricted) | Yes | Yes | Yes |
Miscarriage and termination of pregnancy | Optional (restricted) | Yes | Yes | Yes |
Chemotherapy, radiotherapy and immunotherapy for cancer | Optional (restricted) | Yes | Yes | Yes |
Pain management | Optional (restricted) | Yes | Yes | Yes |
Skin | Optional (restricted) | Yes | Yes | Yes |
Breast surgery (medically necessary) | Optional (restricted) | Yes | Yes | Yes |
Diabetes management (excluding insulin pumps) | Optional (restricted) | Yes | Yes | Yes |
Heart and vascular system | Optional (restricted) | Optional | Yes | Yes |
Lung and chest | Optional (restricted) | Optional | Yes | Yes |
Blood | Optional (restricted) | Optional | Yes | Yes |
Back, neck and spine | Optional (restricted) | Optional | Yes | Yes |
Plastic and reconstructive surgery (medically necessary) | Optional (restricted) | Optional | Yes | Yes |
Dental surgery | Optional (restricted) | Optional | Yes | Yes |
Podiatric surgery (provided by a registered podiatric surgeon) | Optional (restricted) | Optional | Yes | Yes |
Implantation of hearing devices | Optional (restricted) | Optional | Yes | Yes |
Cataracts | Optional (restricted) | Optional | Optional | Yes |
Joint replacements | Optional (restricted) | Optional | Optional | Yes |
Dialysis for chronic kidney failure | Optional (restricted) | Optional | Optional | Yes |
Pregnancy and birth | Optional (restricted) | Optional | Optional | Yes |
Assisted reproductive services | Optional (restricted) | Optional | Optional | Yes |
Weight loss surgery | Optional (restricted) | Optional | Optional | Yes |
Insulin pumps | Optional (restricted) | Optional | Optional | Yes |
Pain management with device | Optional (restricted) | Optional | Optional | Yes |
Sleep studies | Optional (restricted) | Optional | Optional | Yes |
What’s not included in Bronze Cover?
While the Bronze tier includes many more treatments than Basic, it doesn’t cover as much as a Silver or Gold policy.
Bronze doesn’t usually include:
- heart and vascular system
- lung and chest
- blood
- back, neck and spine
- plastic and reconstructive surgery (medically necessary)
- dental surgery
- podiatric surgery (provided by a registered podiatric surgeon)
- implantation of hearing devices
- cataracts – gold
- joint replacements
- dialysis for chronic kidney failure
- pregnancy and birth
- assisted reproductive services
- weight loss surgery
- insulin pumps
- pain management with device
- sleep studies.
Insurers have the option to include additional treatment categories in a Bronze policy if they want to, but they’re not required to.5Privatehealth.gov.au – Product tiers
Where can I compare Hospital Cover?
When it comes to finding the right Health Insurance to suit your needs, it’s worth doing your research. Lower levels of cover might appear to be more affordable, but they also come with a wide range of restrictions and exclusions that could end up costing you more in the long run.
Before you decide on the type of cover you need, you’ll probably want to ask questions and learn what each level of cover offers.
If you need more information on Bronze Hospital Cover or want to find out more about Private Health Insurance, you can compare online* or call 1800 784 772 and chat with one of our friendly team!
Health Insurance & Tax
Tax Implications on Health Insurance
How to save on Health Insurance
About the Medicare Levy Surcharge
About the Life Time Health Cover Loading
Government Rebate & Means Testing