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.
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 Cover
Extras cover
SA
44.9%
59.4%
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 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.
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.
Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
rebate.
Under 65
65 - 69
70 or older
What's your household's taxable income?
This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
$93,000 and under
$93,001 to $108,000
$108,001 to $144,000
$144,001 and over
What kind of health insurance do you need?
Combined (Extras + Hospitals)
Extras
Hospital
What level of hospital coverage would you like?
You can change this at any time later.
Legend
Covered
Restricted cover, You may be partially covered for
this category.
Not covered. Optional for insurer to include.
*Prices updated March 2024, in line with Finder's
database of health insurance policies. Prices are based
on a single individual with less than $93,000 income and
living in Sydney with a $750 excess.
What extras cover do you need? (Optional)
Select as many as you want or move to the next step
Preventative & general dental
Major dental & implants
Optical
Physiotherapy
Podiatry
Non-PBS pharmaceuticals
Chiropractic
Emergency ambulance
Remedial massage
Email me my results (optional)
To get a copy of your results for later, add your email below
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Frequently asked questions
It's basically impossible to suggest a single 'best' health insurance policy for you, because everyone is different. To find SA's best health insurance for you, spend some time comparing different health policies and make up your own mind.
In Australia, the price of health insurance does vary a little by state, but health insurance in South Australia is cheaper than in most states. Average premiums in South Australia are lower than in all of the eastern states.
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:
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We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
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Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
rebate.
Under 65
65 - 69
70 or older
What's your household's taxable income?
This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
$93,000 and under
$93,001 to $108,000
$108,001 to $144,000
$144,001 and over
What kind of health insurance do you need?
Combined (Extras + Hospitals)
Extras
Hospital
What level of hospital coverage would you like?
You can change this at any time later.
Legend
Covered
Restricted cover, You may be partially covered for
this category.
Not covered. Optional for insurer to include.
*Prices updated March 2024, in line with Finder's
database of health insurance policies. Prices are based
on a single individual with less than $93,000 income and
living in Sydney with a $750 excess.
What extras cover do you need? (Optional)
Select as many as you want or move to the next step
Preventative & general dental
Major dental & implants
Optical
Physiotherapy
Podiatry
Non-PBS pharmaceuticals
Chiropractic
Emergency ambulance
Remedial massage
Email me my results (optional)
To get a copy of your results for later, add your email below