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Health Insurance SA

Are you an SA resident looking for health insurance? Compare policies and find out what options are available.

While Medicare does an admirable job providing benefits for essential medical services, there are limits to how far its cover extends, which can lead to extensive out-of-pocket expenses if you require an extended hospital stay or complex surgery. Private health insurance's role is to keep you financially secure in these situations by picking up where Medicare ends and insuring you for treatments that fall outside of the public healthcare system.

Extra protection isn't the only advantage that private health insurance delivers; it also allows you to select a doctor and hospital of your choice, avoid public hospital waiting queues and can cover the cost of your accommodation, theatre fees and prescription medicine. Several types of private health insurance policy are available, each designed for different requirements. They are:

  • Hospital cover. Insures you for treatments, services and ancillary costs incurred in the event you are admitted to a medical facility.
  • Extras cover. Insures you for non-hospital related services such as optical and dental.
  • Ambulance cover. Pays for the expense of emergency ambulance transport.

Find out what your policy options are in SA

Who are the largest health funds in South Australia?

You can use this interactive chart to view the largest health insurance providers in South Australia by market share. Additionally, it can also display who the top performers are in every other state and territory as well as nationwide.

Are premiums in South Australia cheaper or more expensive?

Health insurance premiums fluctuate by state and territory, usually depending on the level of benefits and quality of healthcare available. The average policy in South Australia costs:

  • Hospital only: $4,383.51 for families and $2,043.57 for singles
  • Extras only: $1,910.01 for families and $868.24 for singles

What ambulance costs are covered?

Like most other states, emergency ambulance transport is not a free service in South Australia. The costs for emergency ambulance transport are as follows:

ServiceCost
  • Provision of retrieval team
  • Emergency call out
  • $3039
  • $934
Non-emergency call out$208
Treat no transport (flat rate)$208
Plus kilometre charges$5.40

The only persons exempted from this are holders of a valid Department of Veterans Affairs Gold Card.

The South Australian Ambulance Service also offers its own ambulance cover policies. These are available in three types:

  • Single cover
  • Family cover
  • Pensioner cover (discounted price)

Get advice and compare health insurance policies

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