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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.

What you need to know

  • 44.7% of South Aussies have hospital cover. 59.5% have extras cover.
  • QLD residents are less likely than average to have hospital cover, but more likely to have extras.
  • The price of hospital cover in South Australia is pretty close to the national average for most coverage tiers.
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 $93,000 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.
Name Product Treatments Price Apply
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
8 weeks free on eligible Hospital & Extras cover. New members join by 23 April & keep your cover for 1 month. T&Cs apply.
$139.78
per month
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +20 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +5 other treatments covered
Improve your health and wellbeing and earn up to $760 in cashback and shopping rewards each membership year with AIA Health with AIA Vitality. T&Cs apply.
$122.91
per month
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
8 weeks free on eligible Hospital & Extras cover. New members join by 23 April & keep your cover for 1 month. T&Cs apply.
$122.63
per month
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +19 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +8 other treatments covered
$140.45
per month
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +19 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +3 other treatments covered
Great value Hospital cover with accidental injury and emergency ambulance cover with no annual limits. nib. As exciting as health insurance gets.
$113.29
per month
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
8 weeks free on eligible Hospital & Extras cover. New members join by 23 April & keep your cover for 1 month. T&Cs apply.
$155.80
per month
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +16 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +5 other treatments covered
Improve your health and wellbeing and earn up to $760 in cashback and shopping rewards each membership year with AIA Health with AIA Vitality. T&Cs apply.
$118.51
per month
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
8 weeks free on eligible Hospital & Extras cover. New members join by 23 April & keep your cover for 1 month. T&Cs apply.
$162.66
per month
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  • We don't ask for your phone or email to see prices.

  • With 1 click, you can open your results to nearly every fund in Australia.

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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 whether you live in Adelaide, Ardrossan or Andamooka. The table below lists the average monthly premiums for hospital policies from each of the 4 coverage tiers with a $750 excess. The prices are for a single person earning less than $93,000 a year living in Adelaide. The numbers are updated monthly.

BasicBronzeSilverGold
SA$85.01 $102.12 $150.2 $218.89
Australia$85.82 $100.45 $153.27 $243.17

SA health insurance statistics

44.7% of South Australians have hospital cover, while 59.5% 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 August 2023.

Hospital CoverExtras cover
SA44.7%59.5%
Australia45.1%55.0%

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Since 2014, we've helped 350,000+ people find health insurance by explaining your options simply. We'll never ask for your number or email to see prices. We're here to help you make a decision.

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