Health Insurance South Australia

Health insurance varies by state, so South Aussies 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.

Health Insurance

Key takeaways

  • 44.9% of South Aussies have hospital cover. 59.4% have extras cover.
  • QLD residents are more likely than average to have hospital and extras cover.
  • The price of hospital cover in South Australia is pretty close to the national average for most coverage tiers.

The price of hospital insurance in South Australia

SA hospital premiums are pretty close to the national average. Premiums are standardised by state though, so you'll pay the same in Adelaide, Ardrossan or Andamooka. 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.

SA health insurance statistics

44.9% of South Australians have hospital cover, while 59.4% have extras cover. That's slightly more than the national average for hospital, but quite a lot more than the average for extras. See the table below for more details. These numbers come from APRA's quarterly health insurance statistics in June 2024.

Hospital CoverExtras cover
SA44.9%59.4%
Australia44.8%54.5%

Compare health insurance policies in South Australia

The table below compares combined policies from Finder partners available in South Australia. 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 Adelaide, 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.
1 - 8 of 229
Name Product AUFHI-NEW Treatments Price Apply
Health Partners logo
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • +28 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +3 other treatments covered
$96.93
per month
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All treatments
Health Partners logo
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • +30 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +3 other treatments covered
$121.70
per month
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All treatments
Health Partners logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +19 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +3 other treatments covered
$79.82
per month
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All treatments
HBF Health Limited logo
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 a FREE Gift Card on hospital and extras cover. $300 gift card with a couple/family policy or $150 gift card with a single/single parent policy. Join by 17 December 2024 & keep your cover for 31 days. T&Cs apply.
$139.78
per month
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All treatments
Medibank Private Limited logo
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
Join and maintain eligible Medibank hospital and extras cover and you could earn Live Better points to redeem on rewards like an Apple Watch. New members only. T&Cs apply. Excludes Basic covers. Ends 18 December 2024.
$130.32
per month
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All treatments
Medibank Private Limited logo
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
Join and maintain eligible Medibank hospital and extras cover and you could earn Live Better points to redeem on rewards like an Apple Watch. New members only. T&Cs apply. Excludes Basic covers. Ends 18 December 2024.
$138.16
per month
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All treatments
Health Partners logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +19 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +3 other treatments covered
$109.77
per month
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All treatments
ahm health insurance logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +20 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +1 other treatments covered
Get 6 weeks free. For new joins on eligible combined hospital & extras. T&Cs apply. Learn more.
$107.13
per month
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All treatments
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Frequently asked questions

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Insurance expert

Tim Bennett is a Finder insurance & utilities expert. For over 10 years he's reported on news, politics, finance and other topics as a journalist and radio presenter. Tim's roles have included radio news reader and breakfast at the ABC, news producer for SBS and producer for Fairfax Media. Tim regularly appears as a health insurance expert on programs like Sunrise and SBS news, as well as in the Australian, The Daily Telegraph, The Courier Mail and more. See full bio

Tim's expertise
Tim has written 122 Finder guides across topics including:
  • Personal finance
  • Financial comparison
  • Health insurance
  • General insurance
  • Life insurance

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