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NT Health Insurance

Health insurance varies by state, so Territorians will pay different premiums than people over east. No matter which state you live in, it's important to compare policies to figure out which is best for you.

What you need to know

  • 39.8% of Territorians have hospital cover. 44.7% have extras cover.
  • NT residents are the least likely to have private health cover in the country.
  • That is despite NT health insurance premiums being the cheapest in Australia!
The table below compares combined policies from Finder partners available in the Northern Territory. 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 Darwin, with a $750 excess - learn why this matters here.
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How we calculate our Finder Score

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.

How we calculate Health Insurance Finder ScoresHospitaltreatmentscovered25%Hospital price25%Total extrasbenefits12.5%Extras treatments12.5%Extras price25%Chart:Finder
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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.
Name Product Treatments Price Apply
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • +28 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +10 other treatments covered
Get up to 8 weeks free when you join eligible cover by 30 June and stay with HCF. T&Cs Apply.
$106.34
per month
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • +27 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +10 other treatments covered
Get up to 8 weeks free when you join eligible cover by 30 June and stay with HCF. T&Cs Apply.
$92.58
per month
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • +28 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +10 other treatments covered
Get a FREE Gift Card on eligible hospital and extras cover. $300 gift card with a Couple/Family policy or $150 gift card with a Single/Single Parent policy. Join by 21 June 2024 & keep cover for 1 month. Eligibility criteria & T&Cs apply.
$106.94
per month
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • +28 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +7 other treatments covered
Get a FREE Gift Card on eligible hospital and extras cover. $300 gift card with a Couple/Family policy or $150 gift card with a Single/Single Parent policy. Join by 21 June 2024 & keep cover for 1 month. Eligibility criteria & T&Cs apply.
$97.82
per month
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +22 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +10 other treatments covered
Get a FREE Gift Card on eligible hospital and extras cover. $300 gift card with a Couple/Family policy or $150 gift card with a Single/Single Parent policy. Join by 21 June 2024 & keep cover for 1 month. Eligibility criteria & T&Cs apply.
$89.60
per month
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • +28 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +7 other treatments covered
Get a FREE Gift Card on eligible hospital and extras cover. $300 gift card with a Couple/Family policy or $150 gift card with a Single/Single Parent policy. Join by 21 June 2024 & keep cover for 1 month. Eligibility criteria & T&Cs apply.
$87.53
per month
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • +28 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +7 other treatments covered
Get up to 8 weeks free when you join eligible cover by 30 June and stay with HCF. T&Cs Apply.
$94.35
per month
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +22 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +7 other treatments covered
Get a FREE Gift Card on eligible hospital and extras cover. $300 gift card with a Couple/Family policy or $150 gift card with a Single/Single Parent policy. Join by 21 June 2024 & keep cover for 1 month. Eligibility criteria & T&Cs apply.
$80.48
per month
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Why compare health insurance with Finder?

  • We don't ask for your phone or email to see prices.

  • With 1 click, you can open your results to nearly every fund in Australia.

  • You pay the same price as going direct – we charge no fees.

Start comparing for freeStart comparing for free

Finder survey: How often do Australians in different states go to the dentist?

ResponseWAVICSAQLDNSW
More than once a year13.21%7.41%9.33%7.11%8.95%
Once a year7.55%5.19%8%4.06%7.67%
Once every 2 yrs1.89%1.48%1.52%0.96%
Less than once every 2 yrs1.11%1.52%1.28%
Source: Finder survey by Pure Profile of 1006 Australians, December 2023
Data for ACT, NT, TAS not shown due to insufficient sample size. Some other states may also be excluded for this reason.

The price of hospital insurance in the Northern Territory

Northern Territory hospital premiums are the cheapest in the country, and by a really significant amount. If you live in the territory, private health insurance can offer really good value. 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 Darwin. The numbers are updated monthly.

BasicBronzeSilverGold
NT$51.27 $65.47 $101.55 $146.64
Australia$85.82 $100.45 $153.27 $243.17

NT health insurance statistics

39.8% of Nt residents have hospital cover, while 44.7% have extras cover. That's really low compared to the national average. It could be partly explained by the lower age distribution in the NT, as young people tend to be less likely to have cover. See the table below for more details. These numbers come from APRA's quarterly health insurance statistics in August 2023.

Hospital CoverExtras cover
NT39.8%44.7%
Australia45.1%55.0%

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