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.
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 $105,000 a year with a $750 excess. The numbers are based on the government databased in April 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 Cover | Extras cover | |
|---|---|---|
| NT | 39% | 44% |
| Australia | 45.6% | 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.
X
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.
X
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.
Frequently asked questions
Sources
More resources on Finder
Ask a question
More guides on Finder
-
Canberra Hospital emergency department waiting times
In February 2025, the average waiting time for patients visiting Canberra Hospital emergency department was 30 minutes.
-
Australian Unity Hospital Only Cover
Looking for hospital cover? Find out what options are available with Australian Unity and whether there’s a policy for you.
-
ahm health insurance review
ahm offers a broad range of policies with affordable premiums, but if you’re looking for the lowest price possible, cheaper options are available.
-
Medibank health insurance review
With reasonable prices and strong benefits, several Medibank policies were highly commended in the 2024 Finder Health Insurance Awards.
-
Health insurance in your 30s
If you turned 31 this year, you may want to take out private health insurance to avoid paying an additional 2% a year.
-
How to pay for health insurance in Australia
From direct debits to salary packaging, what’s the best way to pay for your health insurance premiums? Find out here.
-
How much does private health insurance cost?
What does private health insurance typically cost? Our comprehensive guide will tell you.
-
Health Insurance Queensland
Start your search today to find a Queensland health fund that offers value for money and the cover you need.
-
NSW Health Insurance
Guide to travel insurance for residents of New South Wales.
-
Student health insurance
If you're a student, chances are you don't have a whole lot of cash to burn. Compare student health insurance and protect your health and budget.