What's the best health insurance in the NT?

It's impossible to give you a single 'best' health insurance policy , because there isn't one - everyone has different needs. The best way to get the right policy for you is to comparing health insurance from different funds and make up your own mind.

Is health insurance cheap in the Northern Territory?

The Northern Territory has the lowerst average premiums for health insurance than any other state or territory in Australia, by a fairly wide margin. Australian health insurance policies vary a little between states , and the NT benefits more than anyone else.

NT health insurance: Extras $2/week, Hospital $9

39.9% of Territorians have hospital cover. 44.8% 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 $97,000 a year with a $750 excess. The numbers are based on the government databased in September 2024.

NT health insurance statistics

39.9% of Nt residents have hospital cover, while 44.8% 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 June 2024.

	Hospital Cover	Extras cover
NT	39.9%	44.8%
Australia	44.8%	54.5%

	Hospital	Extras
Australia	44.8%	54.5%
NSW	46.2%	56.9%
VIC	42.2%	49.9%
QLD	41.0%	48.0%
SA	44.9%	59.4%
WA	54.0%	68.1%
TAS	41.8%	49.8%
ACT	53.6%	65.6%
NT	39.9%	44.8%

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 $97,000 living in Darwin, with a $750 excess - learn why this matters here.

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.

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.

1 - 8 of 147

Name	Treatments	Price	Apply
Silver Hospital $750/$1500 Excess + Complete 60 Silver Plus$750 excess	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 $1000 cashback. For new members who join by 1st May and maintain hospital and extras cover. T&Cs apply. Current offer Get up to $1000 cashback. For new members who join by 1st May and maintain hospital and extras cover. T&Cs apply.	$112.13 per month	Go to Site All treatments Compare	loading Fetching your data...
Medibank Silver Plus Core + Growing Family 60 Silver Plus$750 excess	Hospital Lung and chest Back neck and spine Cataracts Joint replacements +26 other treatments covered Extras General dental Major dental Optical Hearing aids +10 other treatments covered Want 6 weeks free and $500 in gift cards (couples/families) or $250 in gift cards (singles/single parents) when you join and maintain eligible Bronze Hospital+Extras cover or above? New members only. T&Cs apply. Excludes Basic covers. Current offer Want 6 weeks free and $500 in gift cards (couples/families) or $250 in gift cards (singles/single parents) when you join and maintain eligible Bronze Hospital+Extras cover or above? New members only. T&Cs apply. Excludes Basic covers.	$97.48 per month	Go to Site All treatments Compare	loading Fetching your data...
Silver Hospital + Dental Boost Silver$750 excess	Hospital Lung and chest Back neck and spine Cataracts Joint replacements +26 other treatments covered Extras General dental Major dental Optical Hearing aids +6 other treatments covered Get 10 weeks free when you choose a combined Hospital + Extras policy online with nib by April 30. T&Cs apply. Current offerGet 10 weeks free when you choose a combined Hospital + Extras policy online with nib by April 30. T&Cs apply.	$118.26 per month	Go to Site All treatments Compare	loading Fetching your data...
Silver Hospital $750/$1500 Excess + Flex 60 Silver Plus$750 excess	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 $1000 cashback. For new members who join by 1st May and maintain hospital and extras cover. T&Cs apply. Current offer Get up to $1000 cashback. For new members who join by 1st May and maintain hospital and extras cover. T&Cs apply.	$101.22 per month	Go to Site All treatments Compare	loading Fetching your data...
Bronze Hospital Plus $750/$1500 Excess + Complete 60 Bronze Plus$750 excess	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 up to $1000 cashback. For new members who join by 1st May and maintain hospital and extras cover. T&Cs apply. Current offer Get up to $1000 cashback. For new members who join by 1st May and maintain hospital and extras cover. T&Cs apply.	$93.46 per month	Go to Site All treatments Compare	loading Fetching your data...
Silver Hospital $750/$1500 Excess + Flex 50 Silver Plus$750 excess	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 $1000 cashback. For new members who join by 1st May and maintain hospital and extras cover. T&Cs apply. Current offer Get up to $1000 cashback. For new members who join by 1st May and maintain hospital and extras cover. T&Cs apply.	$90.80 per month	Go to Site All treatments Compare	loading Fetching your data...
Bronze Hospital Plus $750/$1500 Excess + Flex 60 Bronze Plus$750 excess	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 up to $1000 cashback. For new members who join by 1st May and maintain hospital and extras cover. T&Cs apply. Current offer Get up to $1000 cashback. For new members who join by 1st May and maintain hospital and extras cover. T&Cs apply.	$82.55 per month	Go to Site All treatments Compare	loading Fetching your data...
Bronze Hospital Plus $750/$1500 Excess + Flex 50 Bronze Plus$750 excess	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 up to $1000 cashback. For new members who join by 1st May and maintain hospital and extras cover. T&Cs apply. Current offer Get up to $1000 cashback. For new members who join by 1st May and maintain hospital and extras cover. T&Cs apply.	$72.13 per month	Go to Site All treatments Compare	loading Fetching your data...

Frequently asked questions

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Written by

Tim Bennett

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 149 Finder guides across topics including:

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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.

Key takeaways