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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 will fluctuate by state and territory, usually depending on the level of benefits and quality of healthcare available. However, this should not impact premium costs to an overly significant degree. Currently, the national premium average for health insurance stands at

  • $1,600 for families and $800 for singles who have 100% hospital cover and
  • $1,150 for families and $575 for singles who have 100% extras cover

Is ambulance cover any different in this state?

Like most other states, emergency ambulance transport is not a free service in South Australia, costing anywhere between $600 to $900. 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)

However, these policies are valid within South Australia only, so if you require interstate ambulance cover you should take out a policy with a private health fund.

Available health funds for South Australian residents

Health fundWho can get health insurance with these funds?Find out more
HIF Logo
  • Open. Any Australian citizen or permanent resident is eligible to join. OVHC is available for those temporarily visiting or working in Australia.
More info
health.com.aulogo
  • Open. Any Australian citizen or permanent resident is eligible to join.
More info
ahmMore info
Australian UnityMore info
GMHBA
  • Open. Any Australian citizen or permanent resident is eligible to join.
More info
HCF
  • Open. Any Australian citizen or permanent resident is eligible to join. OVHC is available for those temporarily visiting or working in Australia.
More info
nib
  • Open. Any Australian citizen or permanent resident is eligible to join. OVHC and OSHC are available for those temporarily studying, visiting or working in Australia.
More info
Transport Health Logo
  • Open. Any Australian citizen or permanent resident is eligible to join.
More info
Bupa
  • Open. Any Australian citizen or permanent resident is eligible to join. OVHC and OSHC are available for those temporarily studying, visiting or working in Australia.
More info
cdhlogo
  • Open. Any Australian citizen or permanent resident is eligible to join.
More info
cua
  • Open. Any Australian citizen or permanent resident is eligible to join.
More info
Frank
  • Open. Any Australian citizen or permanent resident is eligible to join. OVHC is available for those temporarily visiting or working in Australia.
More info
gmflogo
  • Open. Any Australian citizen or permanent resident is eligible to join.
More info
GU Health
  • Open. Any Australian citizen or permanent resident is eligible to join. OVHC is available for those temporarily visiting or working in Australia.
More info
HBF
  • Open. Any Australian citizen or permanent resident is eligible to join. OVHC is available for those temporarily visiting or working in Australia.
More info
hcilogo
  • Open. Any Australian citizen or permanent resident is eligible to join.
More info
logo health partners
  • Open. Any Australian citizen or permanent resident is eligible to join.
More info
latrobehealthlogo
  • Open. Any Australian citizen or permanent resident is eligible to join.
More info
 medibank
  • Open. Any Australian citizen or permanent resident is eligible to join. OVHC and OSHC are available for those temporarily studying, visiting or working in Australia.
More info
mildurahealthfundlogo
  • Open. Any Australian citizen or permanent resident is eligible to join.
More info
onemedifundlogo
  • Open. Any Australian citizen or permanent resident is eligible to join.
More info
peoplecare provider page link
  • Open. Any Australian citizen or permanent resident is eligible to join. OSHC is available for those temporarily studying in Australia although it is only extras, not hospital cover.
More info
phoenix health fund provider link
  • Open. Any Australian citizen or permanent resident is eligible to join.
More info
St. Lukes Health Logo
  • Open. Any Australian citizen or permanent resident is eligible to join. 
More info
westfund provider link
  • Open. Any Australian citizen or permanent resident is eligible to join.
More info
acahealthlogo
  • Restricted. Open to members of the Seventh-day Adventist Church and present and past employees of affiliated companies, along with the partners/spouses, dependents, siblings, parents and grandchildren of those mentioned previously.
More info
CBHS Health Fund Logo
  • Restricted. Open to employees, contractors and franchisees of Commonwealth Bank of Australia Group as well as their partners and family members, including dependent and non-dependent children, siblings, parents and grandchildren.
More info
defencehealthlogo
  • Restricted. Open to reservists and past members* of the Australian Defence Force, employees of the Department of Defence and Defence suppliers. Extended family as well as the ex-partner/spouse of those previously mentioned are also eligible to join.
More info
navyhealthlogo
  • Restricted. Open to current and former members, reservists and cadets of the ADF, employees of the DoD, Defence suppliers and more. Extended family as well as the ex-partner/spouse of those previously mentioned are also eligible to join.
More info
doctorshealthfundlogo
  • Restricted. Open to registered Medical Practitioners and Health Practitioners (in an eligible category), their employees, extended family and much more. The eligibility criteria for this fund is wide and you can view the full list via the More Info button.
More info
policehealthlogo
  • Restricted. Open to current or former (if retired or resigned after 1 Jan 2001) employees of state, territory and federal police departments/police unions including their partners/spouses, dependants and adult children plus their immediate family.
More info
rthealthlogo
  • Restricted. Open to current or former employees of Government or privately owned transport (air, sea, land) and energy generation/delivery entities, as well as those involved in administering them. Extended family of eligible members can also join.
More info
rbhslogo
  • Restricted. Open to current or former employees of the Reserve Bank of Australia and Note Printing Australia, as well as their current or ex-partner or spouse and their dependant or adult children.
More info
teachers
  • Restricted. Open to current or former members and administrative staff of approved education unions and organisations, along with their extended family. Use the More Info button to the right to view the eligible unions and organisations.
More info
tuh
  • Restricted. Open to current or former union members of any industry along with their current or ex partner/spouse, dependent children, adult children (plus their partner), siblings (plus their partners and dependent children), parents and grandchildren.
More info

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