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.

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Tim Bennett

Updated

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Health Insurance

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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 274
Updated regularly
Name Product AUFHI-NEW Treatments Price Apply
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 up to $1000 cashback. For new members who join by 1st May and maintain hospital and extras cover. T&Cs apply.

$139.78
per month
Go to Site
All treatments
HCF 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
    • +4 other treatments covered
Get 6 weeks free & 2-month waived waiting period if you join HCF by 17 April 2025 on eligible combined hospital and extras cover and stay for 3 months. The offer excludes hospital premium gold, hospital optimal gold, corporate hospital premium gold, and overseas visitors health cover. T&Cs apply.

$108.34
per month
Go to Site
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 up to 12 weeks free by joining before 1 Apr and maintaining eligible combined hospital & extras cover. T&Cs apply. Learn more.

$107.13
per month
Go to Site
All treatments
HCF HOSPITAL BRONZE PLUS $750 EXCESS + HCF STARTER EXTRAS (WITH OPTICAL)
Bronze Plus$750 excess
HCF 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
    • +4 other treatments covered
Get 6 weeks free & 2-month waived waiting period if you join HCF by 17 April 2025 on eligible combined hospital and extras cover and stay for 3 months. The offer excludes hospital premium gold, hospital optimal gold, corporate hospital premium gold, and overseas visitors health cover. T&Cs apply.

$110.94
per month
Go to Site
All treatments
Medibank Bronze Plus Progress + Growing Family 60
Bronze Plus$750 excess
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
Get up to 12 weeks free and $500 in gift cards (couples/families) or $250 in gift cards (singles/single parents) when you join and maintain eligible Bronze Hospital+Extras cover or above. Offer ends 9 April 2025. New members only. T&Cs apply. Excludes Basic covers.

$138.16
per month
Go to Site
All treatments
HCF HOSPITAL BRONZE PLUS $750 EXCESS + HCF MID EXTRAS
Bronze Plus$750 excess
HCF 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
    • +5 other treatments covered
Get 6 weeks free & 2-month waived waiting period if you join HCF by 17 April 2025 on eligible combined hospital and extras cover and stay for 3 months. The offer excludes hospital premium gold, hospital optimal gold, corporate hospital premium gold, and overseas visitors health cover. T&Cs apply.

$130.20
per month
Go to Site
All treatments
simple bronze plus + choosable 60 – teeth / wellbeing
Bronze Plus$750 excess
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
    • +6 other treatments covered
Get up to 12 weeks free by joining before 1 Apr and maintaining eligible combined hospital & extras cover. T&Cs apply. Learn more.

$129.11
per month
Go to Site
All treatments
Bronze Hospital Plus $750/$1500 Excess + Basic Extras
Bronze Plus$750 excess
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
    • +2 other treatments covered
Get up to $1000 cashback. For new members who join by 1st May and maintain hospital and extras cover. T&Cs apply.

$122.63
per month
Go to Site
All treatments
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Frequently asked questions

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Written by

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

Tim's expertise
Tim has written 146 Finder guides across topics including:
  • Personal finance
  • Financial comparison
  • Health insurance
  • General insurance
  • Life insurance
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