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.
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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 $97,000 a year living in Darwin. The numbers are updated monthly.
| Basic | Bronze | Silver | Gold | |
|---|---|---|---|---|
| NT | $50.08 | $65.15 | $100.46 | $150.28 |
| Australia | $85.33 | $100.15 | $152.75 | $245.21 |
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 Cover | Extras cover | |
|---|---|---|
| NT | 39.8% | 44.7% |
| Australia | 45.1% | 55.0% |
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