The government is now operating in accordance with the Guidance on Caretaker Conventions, pending the outcome of the 2025 federal election.

Private health insurance hospital product tiers video

This 30 second video outlines the inclusions for each of the Gold/Silver/Bronze/Basic product tiers as part of the government’s reform to private health insurance.

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The Australian government is introducing a new gold, silver, bronze and basic tier system for private hospital cover, to make choosing private health insurance easier.

At a basic level, all four tiers include rehabilitation, hospital psychiatric services and palliative care.

Bronze cover includes at least 18 Additional clinical categories – like ear, nose and throat care.

Silver cover includes at least a further 8 categories – like heart and vascular

Gold is the top tier, covering all 38 categories of hospital treatment.

To find out more visit health.gov.au.

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Gold, Silver, Bronze and Basic private hospital insurance tiers, and what they mean to you.

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