What's the best health insurance in Tasmania?

It's basically impossible to give you an answer to the best health insurer in Tasmania - it will depend on your personal needs and budget. For example, the best health insurance for a 30-something couple planning to have a baby will be very different to the best policy for an 18 year old single who doesn't want kids, and just needs cover for extras. The best thing you can do is to compare different health insurance policies and make up your own mind.

Is health insurance cheap in Tasmania?

The price of health insurance does vary a little by state, and Tasmanian premiums sit above the national average at every tier. They are still cheaper than Victoria and Queensland, though, and close to New South Wales.

Health Insurance Tasmania

Who’s this health cover for?

42.7% of Tasmanians have hospital cover. 51.1% have extras cover.
TAS residents are less likely to have hospital cover than the average Aussie.
The price of hospital insurance in Tassie is higher than the Australian average for all cover tiers.

The price of hospital insurance in Tasmania

Tasmanian hospital premiums are slightly higher than the national average. Premiums are standardised by state though, so you'll pay the same whether you live in Hobart, Huonville or Saint Helens. 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 database in April 2026.

TAS health insurance statistics

42.7% of Tasmanians have hospital cover, while 51.1% have extras cover. That's slightly less than the national averages. See the table below for more details. These numbers come from APRA's quarterly health insurance statistics for the June 2026 quarter.

	Hospital Cover	Extras cover
TAS	42.7%	51.1%
Australia	45.8%	55.5%

	Hospital	Extras
Australia	45.8%	55.5%
NSW	47.2%	57.8%
VIC	43.3%	51.2%
QLD	41.9%	48.9%
SA	45.9%	60.3%
WA	55%	68.4%
TAS	42.7%	51.1%
ACT	54.5%	66.4%
NT	38.8%	43.8%

Compare health insurance policies in Tasmania

The table below compares combined policies from Finder partners available in Tasmania. 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 Hobart, 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 413 results

Treatments	Price
ING Health Insurance - ING Bronze Plus Hospital $750 Excess + ING Everyday Advanced Extras Bronze$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 +9 other treatments covered	$45.51 per week	$600 Reward Finder Rewards: Join Finder then purchase an eligible insurance policy online through Finder as a new ING health customer and hold until 31 March 2027 to receive a $600 digital Visa gift card. Ends 30 Nov 2026. T&Cs apply. Intro offer: Get 6 weeks free, plus 2 and 6 month waiting periods waived on Extras. For new members who join combined Hospital and Extras cover by 30 Nov 2026. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
Bupa HI Pty Ltd - Silver Plus Classic Hospital $750 Excess + Freedom 50 Silver$750 excess	Hospital Lung and chest Back neck and spine Cataracts Joint replacements +26 other treatments covered Extras General dental Major dental Optical Hearing aids +2 other treatments covered	$32.22 per week	Intro offer: Get up to 8 weeks free + up to $400 in a Flight Centre gift card on eligible cover. New direct joins only. Offer ends 18 Nov 2026. T&Cs and exclusions apply.	Go to Site View details Compare product selectionCompare	loading
ahm health insurance - essentials silver plus + value extras Silver$750 excess	Hospital Lung and chest Back neck and spine Cataracts Joint replacements +27 other treatments covered Extras General dental Major dental Optical Hearing aids +7 other treatments covered	$34.80 per week	Intro offer: Get up to 12 weeks free when you join by 30 Nov 2026. For new joins on eligible combined hospital & extras. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
HBF Health Limited - Bronze Hospital Plus $750/$1500 Excess + Flex 50 Bronze$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	$31.81 per week	Intro offer: Get up to 12 weeks free and up to $200 gift card. For new members who join by 8 Dec and maintain hospital and extras cover. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
HCF HOSPITAL BRONZE PLUS $750 EXCESS + HCF VITAL EXTRAS Bronze$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 +10 other treatments covered	$34.65 per week	Go to Site View details Compare product selectionCompare	loading
HCF HOSPITAL BRONZE PLUS $750 EXCESS + HCF MID EXTRAS Bronze$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	$30.21 per week	Go to Site View details Compare product selectionCompare	loading
HBF Health Limited - Bronze Hospital Plus $750/$1500 Excess + Flex 60 Bronze$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	$35.58 per week	Intro offer: Get up to 12 weeks free and up to $200 gift card. For new members who join by 8 Dec and maintain hospital and extras cover. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
HCF HOSPITAL BRONZE PLUS $750 EXCESS + HCF STARTER EXTRAS Bronze$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	$26.21 per week	Go to Site View details Compare product selectionCompare	loading

Showing 8 of 413 results

Frequently asked questions

It's basically impossible to give you an answer to the best health insurer in Tasmania - it will depend on your personal needs and budget. For example, the best health insurance for a 30-something couple planning to have a baby will be very different to the best policy for an 18 year old single who doesn't want kids, and just needs cover for extras. The best thing you can do is to compare different health insurance policies and make up your own mind.

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.

Written by

Tim Bennett

Insurance expert

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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 138 Finder guides across topics including:

Personal finance
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Health insurance
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Health Insurance Tasmania

Health insurance varies by state, so Tasmanians will pay different premiums than Aussies in other states. No matter which state you live in, it's important to compare policies to figure out which is best for you.

Key takeaways