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Health Insurance NT

Are you a resident of the Northern Territory seeking health insurance? Compare health funds and get a quote.

Private health insurance is an extremely useful safeguard for avoiding excessive out-of-pocket expenses in the event your injury or condition requires treatment that is excluded from Medicare's Benefit Schedule. Private health insurance also allows you to select your attending doctor, which hospital you are admitted to and gets you fast tracked for surgeries and procedures. You can also add additional ambulance and extras cover to give yourself even more protection.

The three types of private health insurance policies available in the Northern Territory are:

  • Hospital cover. Insures you for treatments, services and ancillary costs that you will incur in the event you are admitted to a medical facility.
  • Extras cover. Insures you for non-hospital related services such as optical and dental.
  • Ambulance cover. Pays for the expense of emergency ambulance transport.

Taking out private health insurance has been made even more attractive in recent years due to the government implementing incentives for policy holders in the form of rebates and exemption from the Medicare Levy Surcharge.

Compare health insurance cover in the Northern Territory


Who are the top performing health funds in the Northern Territory?

This interactive chart displays the largest health funds in the Northern Territory by percentage market share. You can also see who the most popular providers are in each other state and territory in Australia, as well as the top nationwide performers.

How do premiums in the Northern Territory compare?

The premiums you will pay on private health insurance will change depending on what state or territory you reside in. One of the driving factors that determines if premiums increase are the level of benefit payments being made, so if your state or territory has a high claims rate you can expect to have higher premiums than those with low claim rates.

This should not dissuade you from considering health insurance however, as the differences in cost are not inordinately skewed and premium rises are overseen by the Private Health Insurance Administration Council (PHIAC), an independent regulator.

Currently, the average cost for health insurance in the NT:

  • $3,348.05 for families and $1,577.61 for singles who have 100% hospital cover and
  • $1,707.55 for families and $789.52 for singles who have 100% extras cover

Is ambulance cover managed any differently?

Unless you have cover or qualify for an exemption, ambulance transport in the Northern Territory will cost you anywhere between $700 to $900. Persons who are exempted from ambulance fees are valid holders of a:

  • NT Centrelink Pensioner Concession Card
  • NT Centrelink Health Care Card

The cost of taking a St Johns Ambulance is as follows:

ServiceCost
Life threatening emergency callout
  • Callout fee (first 10 km): $745
  • Per kilometre greater than 10 km rate: $4.80/km
Non-life threatening emergency callout
  • Callout fee (first 10 km): $340
  • Per kilometre greater than 10 km rate: $4.80/km
Non-emergency callout
  • Callout fee (first 10 km): $340
  • Per kilometre greater than 10 km rate: $4.80/km
Clinic transport 
  • Pre booked (per patient km): $2.15/km
  • Clinic transport under 10 km: $19.10 per minute
Paramedic response fee
  • $31.00

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