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.

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Tim Bennett

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Key takeaways

  • 39% of Territorians have hospital cover. 44% 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 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.

Below are average monthly hospital premiums by tier for a single person earning less than $101,000 a year with a $750 excess. The numbers are based on the government databased in March 2026.

NT health insurance statistics

39% of Nt residents have hospital cover, while 44% 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 December 2025.

Hospital CoverExtras cover
NT39%44%
Australia45.6%55.3%

Compare health insurance policies in the NT

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 $101,000 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.
8 of 313 results
Updated regularly
Treatments Price
Hospital
Extras
$13.72
per week
ENDS SOON!
$500
$500
VISA CARD REWARD
1
Click here
2
Buy an eligible HBF policy
3
Get card from Finder
Ends by. T&Cs apply.
+
Intro offer: Get up to 12 weeks free, plus up to $200 in gift cards and waived waiting periods on eligible extras. For new members who join by 12 May 2026 and maintain hospital and extras cover. T&Cs apply.
Go to SiteView details
Compare product selection
Hospital
Extras
$17.62
per week
Intro offer: Get up to 10 weeks free + the 2 & 6 month waits waived on extras + up to $850 Everyday Reward dollars based on your level of cover. New members only. Ends 1 Apr 2026. T&Cs apply.
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Hospital
Extras
$17.66
per week
ENDS SOON!
$300
$300
VISA CARD REWARD
1
Click here
2
Buy an eligible ahm policy
3
Get card from Finder
Ends by. T&Cs apply.
+
Get up to 12 weeks free when you join by 31 Mar 2026 on eligible combined hospital and extras cover. T&Cs apply.
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HCF logo
HCF MY FAMILY ADVANCED SILVER PLUS $750 EXCESS
Silver$750 excess
Hospital
Extras
$26.27
per week
Get up to 8 weeks free after the first year, plus 2 month waiting periods waived, on eligible combined cover. Ends 20 Apr 2026. T&Cs apply.
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HCF logo
HCF HOSPITAL STANDARD SILVER PLUS + HCF VITAL EXTRAS
Silver$750 excess
Hospital
Extras
$22.12
per week
Get up to 8 weeks free after the first year, plus 2 month waiting periods waived, on eligible combined cover. Ends 20 Apr 2026. T&Cs apply.
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Compare product selection
HBF Health Limited logo
Silver Hospital $750/$1500 Excess + Complete 60
Silver$750 excess
Hospital
Extras
$26.01
per week
ENDS SOON!
$500
$500
VISA CARD REWARD
1
Click here
2
Buy an eligible HBF policy
3
Get card from Finder
Ends by. T&Cs apply.
+
Intro offer: Get up to 12 weeks free, plus up to $200 in gift cards and waived waiting periods on eligible extras. For new members who join by 12 May 2026 and maintain hospital and extras cover. T&Cs apply.
Go to SiteView details
Compare product selection
HBF Health Limited logo
Silver Hospital $750/$1500 Excess + Flex 60
Silver$750 excess
Hospital
Extras
$23.48
per week
ENDS SOON!
$500
$500
VISA CARD REWARD
1
Click here
2
Buy an eligible HBF policy
3
Get card from Finder
Ends by. T&Cs apply.
+
Intro offer: Get up to 12 weeks free, plus up to $200 in gift cards and waived waiting periods on eligible extras. For new members who join by 12 May 2026 and maintain hospital and extras cover. T&Cs apply.
Go to SiteView details
Compare product selection
HBF Health Limited logo
Bronze Hospital Plus $750/$1500 Excess + Complete 60
Bronze$750 excess
Hospital
Extras
$21.67
per week
ENDS SOON!
$500
$500
VISA CARD REWARD
1
Click here
2
Buy an eligible HBF policy
3
Get card from Finder
Ends by. T&Cs apply.
+
Intro offer: Get up to 12 weeks free, plus up to $200 in gift cards and waived waiting periods on eligible extras. For new members who join by 12 May 2026 and maintain hospital and extras cover. T&Cs apply.
Go to SiteView details
Compare product selection
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Frequently asked questions

Sources

Tim Bennett's headshot
Written by

Insurance expert

A seasoned journalist with over 10 years of experience in news, politics and finance reporting, Tim has previously held roles at the ABC, SBS and Fairfax Media. Tim’s expert insights have been quoted in The Australian, The Daily Telegraph, The Courier Mail and more. He regularly appears on TV and radio, and has been interviewed on 7 News, Sunrise, SBS News, ABC Local, 3AW and 5AA. Tim is passionate about simplifying complex insurance topics for Australian consumers. He holds a Bachelor of Arts (Politics) from Macquarie University and a Tier 1 General Insurance (General Advice) certification, which meets the requirements of ASIC Regulatory Guide 146 (RG146). If you’re interested in a media interview with Tim, please reach out to our PR team at aupr@finder.com. See full bio

Tim's expertise
Tim has written 154 Finder guides across topics including:
  • Personal finance
  • Financial comparison
  • Health insurance
  • General insurance
  • Life insurance
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