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Health Insurance for NSW Residents

Are you a New South Wales resident? Compare your health insurance and get the right cover.

Private health insurance in Australia is designed to cover a wide range of medical, hospital and treatment costs not covered Medicare.

There are various types of private health cover available: hospital cover, extras cover, combined hospital and extras and ambulance cover.

Hospital cover lets you choose your doctor and hospital and covers doctors’ fees, hospital accommodation, theatre costs, intensive care, drugs and more.

Extras cover is designed to help you meet the cost of general treatments like optical and dental, while ambulance cover will pay a benefit when you require emergency ambulance transportation.

Find the cover that's right for you

Who are the largest funds in NSW?

The interactive chart below can show you who the largest health funds are by market share in NSW, as well as all the other states and territories in Australia. The option to see who the most popular funds are nationally is also available.

How does the cost of health insurance in NSW compare?

The cost of private health insurance varies substantially between Australian states and territories, with NSW fitting somewhere in the middle of the cost spectrum. The average annual premium for a NSW family buying hospital cover is $4,514.23, while the same policy in Queensland (the most expensive state) would set a family back $4,690.98.

In terms of extras cover, the average annual premiums for a NSW family would be $1,937.45.

If you purchase a combined hospital and extras cover policy in NSW for a family, the average annual premium amount is $6,416.01. NSW is slightly cheaper than Victoria, which has the most expensive average yearly premiums of $6,653.41.

In order to find the most affordable cover and that provides the greatest value for money in NSW, compare private health funds and shop around.

How much does ambulance transport cost in NSW?

Ambulance services are not automatically covered for most NSW residents, so it’s important to compare your ambulance cover options from health funds. However, some people are exempt from paying ambulance fees, including pensioners, Health Care Cardholders and Repatriation Health Cardholders.

The cover available for ambulance services in NSW differs to a state such as Queensland, for example, where the state government covers ambulance costs for all its residents. If you don't have private health insurance, you can expect to pay:

For road ambulance emergency
  • Call-out fee: $364
  • Variable rate: $3.29/km
  • Maximum charge: $5,971
For road ambulance non-emergency
  • Call-out fee: $287
  • Variable rate: $1.77/km
  • Maximum charge: $5,971
For fixed wing aircraft
  • Call-out fee: $364
  • Variable rate: $3.29/km
  • Maximum charge: $5,971
For helicopter
  • Call-out fee: $364
  • Variable rate: $3.29/km
  • Maximum charge: $5,971

Compare your health insurance NSW options with an adviser

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