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.
Key takeaways
- 45.6% of South Aussies have hospital cover. 60% have extras cover.
- SA 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 $105,000 a year with a $750 excess. The numbers are based on the government databased in April 2026.
SA health insurance statistics
45.6% of South Australians have hospital cover, while 60% have extras cover. That's slightly less 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 December 2025.
| Hospital Cover | Extras cover | |
|---|---|---|
| SA | 45.6% | 60% |
| Australia | 45.6% | 55.3% |
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 $101,000 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.
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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.
Did you know?
Did you know 17% of South Australians have gone without medical treatment due to the cost, according to Finder's 2026 Health Report? That's one of the lower rates nationally, but still means thousands of South Australians are delaying or skipping care they may need. Comparing health insurance policies for cover that matches your budget and health needs can help make sure cost never gets in the way of treatment.
Frequently asked questions
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How is Westfund rated? I can’t see it mentioned in any of your reviews.
Hi Lynette, Here’s our overview of Westfund.