What's the best health insurance in SA?

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.

Is health insurance cheap in SA?

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.

Health Insurance South Australia

45.5% of South Aussies have hospital cover. 59.9% 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 $101,000 a year with a $750 excess. The numbers are based on the government databased in December 2025.

SA health insurance statistics

45.5% of South Australians have hospital cover, while 59.9% 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 September 2025.

	Hospital Cover	Extras cover
SA	45.5%	59.9%
Australia	45.5%	55.2%

	Hospital	Extras
Australia	45.5%	55.2%
NSW	46.9%	57.5%
VIC	42.8%	50.7%
QLD	41.7%	48.7%
SA	45.5%	59.9%
WA	54.6%	68.2%
TAS	42.7%	50.9%
ACT	54.1%	65.9%
NT	39.2%	44.1%

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.

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.

8 of 244 results

Treatments	Rewards	Price
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	ENDS SOON! $500 VISA CARD REWARD 1 Join Finder 2 Buy HBF insurance 3 Get card from Finder Ends by. T&Cs apply.	$190.31 per month	+	Get up to 12 weeks FREE, plus up to $200 gift card. Available to new members who join by 9 December and maintain hospital and extras cover. T&Cs apply.	Go to Site More info Compare product selectionCompare	loading
HCF HOSPITAL BRONZE PLUS $750 EXCESS + HCF STARTER EXTRAS 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 +4 other treatments covered	$149.66 per month	Get loyalty rewards and discounts on e-Gift cards across Australian stores.	Go to Site More info Compare product selectionCompare	loading
HCF HOSPITAL BRONZE PLUS $750 EXCESS + HCF STARTER EXTRAS (WITH OPTICAL) 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 +4 other treatments covered	$153.13 per month	Get loyalty rewards and discounts on e-Gift cards across Australian stores.	Go to Site More info Compare product selectionCompare	loading
HCF HOSPITAL BRONZE PLUS $750 EXCESS + HCF MID EXTRAS 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 +5 other treatments covered	$179.50 per month	Get loyalty rewards and discounts on e-Gift cards across Australian stores.	Go to Site More info Compare product selectionCompare	loading
Frank Bronze Plus Hospital + Frank Basic Extras Bronze Plus$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +18 other treatments covered Extras General dental Major dental Optical Hearing aids +3 other treatments covered	$148.90 per month	Get up to 6 weeks free. Plus, 2 & 6 month waits waived on extras when you join on combined cover. For new members only. Offer ends on 8 December. T&Cs apply.	Go to Site More info Compare product selectionCompare	loading
Bronze Hospital Plus $750/$1500 Excess + Basic Extras 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 +2 other treatments covered	ENDS SOON! $500 VISA CARD REWARD 1 Join Finder 2 Buy HBF insurance 3 Get card from Finder Ends by. T&Cs apply.	$166.50 per month	+	Get up to 12 weeks FREE, plus up to $200 gift card. Available to new members who join by 9 December and maintain hospital and extras cover. T&Cs apply.	Go to Site More info Compare product selectionCompare	loading
Frank Bronze Plus Hospital + Frank Easy Extras Bronze Plus$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +18 other treatments covered Extras General dental Major dental Optical Hearing aids +4 other treatments covered	$159.75 per month	Get up to 6 weeks free. Plus, 2 & 6 month waits waived on extras when you join on combined cover. For new members only. Offer ends on 8 December. T&Cs apply.	Go to Site More info Compare product selectionCompare	loading
HCF HOSPITAL BRONZE PLUS $750 EXCESS + HCF FLEX MY EXTRAS 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 +3 other treatments covered	$173.13 per month	Get loyalty rewards and discounts on e-Gift cards across Australian stores.	Go to Site More info Compare product selectionCompare	loading

Showing 8 of 244 results

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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

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Tim has written 158 Finder guides across topics including:

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2 Responses

LynetteAugust 7, 2025

How is Westfund rated? I can’t see it mentioned in any of your reviews.

Finder

AngusAugust 25, 2025Finder

Hi Lynette, Here’s our overview of Westfund.

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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