Health Insurance in Queensland
From Brisbane and the Gold Coast to Cairns and Townsville — Queenslanders have access to a strong network of private hospitals. Here's what you need to know about getting the right cover in QLD for 2025-26.
Private Health Insurance in QLD: What You Need to Know
Private health insurance rules are national — same four hospital tiers (Basic, Bronze, Silver, Gold), same government rebate, same waiting periods — whether you live in Brisbane, Cairns, or the Sunshine Coast. What differs is the local hospital network and which specialists participate in gap cover.
Government Rebate for QLD Residents (2025-26)
The Australian Government rebate reduces your premium by up to 24.288% for singles earning $101,000 or less. Claim it as a premium reduction — no tax return needed. Source: privatehealth.gov.au — Insurance Rebate.
| Income (singles) | Income (families) | Rebate (under 65) |
|---|---|---|
| ≤$101,000 | ≤$202,000 | 24.288% |
| $101,001–$118,000 | $202,001–$236,000 | 16.192% |
| $118,001–$158,000 | $236,001–$316,000 | 8.095% |
| >$158,000 | >$316,000 | 0% |
Rebate rates apply 1 July 2025 – 31 March 2026. Higher rebate % at ages 65–69 and 70+. Source: privatehealth.gov.au.
Find the right cover for Queensland
Our agents compare policies for QLD residents — showing your real price after the government rebate, with hospitals in your area included.
Compare QLD cover →Medicare Levy Surcharge — QLD High Earners
Earn above $101,000 (singles) or $202,000 (families) without hospital cover? You're paying the Medicare Levy Surcharge — 1%–1.5% of taxable income — to the ATO instead of into cover that benefits you. Source: privatehealth.gov.au — MLS.
†Silver hospital estimate. Actual premiums vary by fund, age, excess. MLS avoided entirely with any qualifying hospital cover.
Private Hospitals in Queensland
Right Cover by Life Stage — QLD
†After government rebate (Base tier) and 10% youth discount. Actual premiums vary by fund, age, excess, and state. Youth discount info.