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NSW Health Insurance
Health insurance varies by state, so New South Welshmen will pay different premiums than Aussies in other states. No matter which state you live in, it's important to compare policies to figure out which is best for you.
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I'm Tim, your insurance expert.
Here to help you find the right cover for you!
Step 1/2 - About your cover
Which state do you live in?
QLD
NSW
ACT
VIC
TAS
SA
WA
NT
What's your age?
Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
rebate.
Under 65
65 - 69
70 or older
What's your household's taxable income?
This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
$93,000 and under
$93,001 to $108,000
$108,001 to $144,000
$144,001 and over
What kind of health insurance do you need?
Combined (Extras + Hospitals)
Extras
Hospital
What level of hospital coverage would you like?
You can change this at any time later.
Legend
Covered
Restricted cover, You may be partially covered for
this category.
Not covered. Optional for insurer to include.
*Prices updated July 2024, in line with Finder's database of health insurance policies. Prices reflect the cheapest available for a single individual with less than $97,000 income and living in Sydney with a $750 excess.
What extras cover do you need? (Optional)
Select as many as you want or move to the next step
Preventative & general dental
Major dental & implants
Optical
Physiotherapy
Podiatry
Non-PBS pharmaceuticals
Chiropractic
Emergency ambulance
Remedial massage
Email me my results (optional)
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46.6% of people in NSW have hospital cover. 57.5% have extras cover.
NSW residents are more likely to have hospital cover than the average Aussie.
The price of health insurance in NSW is almost exactly the national average.
The table below compares combined policies from Finder partners available in New South Wales. It includes policies with Bronze, Silver and Gold hospital cover. It's sorted by value using the Finder score algorithm our experts use for the Finder health insurance awards. Prices are for a single person earning less than $93,000 living in Sydney, with a $750 excess - learn why this matters here.
The Finder Score ranks every health policy in our database on value for money. We updated this monthly with data provided by Ombudsman.
We consider the 38 hospital treatment categories, plus the covered extras categories and the total extras benefit. We also use the average price for each product. Here's the breakdown of factors we consider.
Factors that affect your health insurance premiums
There are several factors that will change the price of your health insurance premiums, whether you get hospital or extras cover. Here are the main ones to consider.
Private Health Insurance Rebate: The price of your policy can vary by over 25% due to rebate. It's mainly based on your age and income.
Lifetime Health Cover Loading: If you don't have hospital cover after age 31, a 2% loading will be added to the price each year you don't have it.
State: The cost of medical care is different in every state, and that's reflected in your premiums.
Policy Excess: A policy with a larger excess will have lower premiums, but you will have more out of pocket costs when you claim.
NSW hospital premiums are almost exactly the national average. NSW makes up a big chunk of the national population though, so that's not too surprising. Premiums are standardised by state, so you'll pay the same whether you live in Bondi, Bowral or Broken Hill. The table below lists the average monthly premiums for hospital policies from each of the 4 coverage tiers with a $750 excess. The prices are for a single person earning less than $93,000 a year living in Sydney. The numbers are updated monthly.
46.6% of NSW residents have hospital cover, while 57.5% have extras cover. That's a little higher than the national average. See the table below for more details. These numbers come from APRA's quarterly health insurance statistics in August 2023.
Hospital Cover
Extras cover
NSW
46.6%
57.5%
Australia
45.1%
55.0%
Hospital
Extras
Australia
45.1%
55.0%
NSW
46.6%
57.5%
VIC
42.4%
50.2%
QLD
41.1%
48.2%
SA
44.7%
59.5%
WA
54.4%
69.1%
TAS
41.5%
49.4%
ACT
53.8%
66.2%
NT
39.8%
44.7%
Why you can trust Finder's health insurance experts
You pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees.
You save time. We spend 100s of hours researching health insurance so you can sort the gold from the junk faster.
You can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.
Frequently asked questions
There's no single best health insurance policy in NSW, or in any state, for that matter. When you compare private health insurance, you need to consider your needs, budget, what state you live in and what level of coverage you want for yourself or your family. We can help make that process easier, but you'll have to make the final decision.
Average health insurance premiums in NSW are slightly higher that the national average, but are typical when compared to similar states, like Queensland and Victoria. In Australia, the price of health insurance does vary by state, for a variety of reasons.
NSW residents pays less for ambulance services than some Aussies, because the state government provides a partial subsidy, but it can still be a hefty fee. To avoid several hundred dollars of ambulance costs, you should consider ambulance-only health insurance, assuming your main policy doesn't include ambulance cover.
Tim Bennett is a Finder insurance & utilities expert. For over 10 years he's reported on news, politics, finance and other topics as a journalist and radio presenter. Tim's roles have included radio news reader and breakfast at the ABC, news producer for SBS and producer for Fairfax Media. Tim regularly appears as a health insurance expert on programs like Sunrise and SBS news, as well as in the Australian, The Daily Telegraph, The Courier Mail and more. See full bio
Tim's expertise
Tim has written 116 Finder guides across topics including:
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finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
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We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
You pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees.
You save time. We spend 100s of hours researching health insurance so you can sort the gold from the junk faster.
You can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.