Health Insurance Victoria
Victoria is Australia’s most expensive state for health insurance, so it pays to compare. Victorians are also the less likely that average to have private health insurance in the first place!
Key takeaways
- 43% of Victorians have hospital cover. 50.8% have extras cover.
- Victorians are quite a bit less likely to have hospital or extras cover than the average Aussie.
- The price of health insurance in Victoria is higher than almost every other state.
The price of hospital insurance in Victoria
Victorian hospital premiums are the highest in the country, which sucks. However, premiums are standardised by state, so you'll pay the same whether you live in Melbourne, Morwell or Mildura. 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 databased in April 2026.
VIC health insurance statistics
43% of Victorians have hospital cover, while 50.8% have extras cover. That's less than the national averages, especially for extras. See the table below for more details. These numbers come from APRA's quarterly health insurance statistics in December 2025.
| Hospital Cover | Extras cover | |
|---|---|---|
| VIC | 43% | 50.8% |
| Australia | 45.6% | 55.3% |
Did you know?
Did you know Victorians are the most likely in the country to skip healthcare due to cost, with 29% going without treatment, according to Finder's 2026 Health Report? That's well above the national average and higher than every other state surveyed. With cost-of-living pressures continuing to bite, comparing health insurance policies for better value cover, rather than dropping it altogether, can help Victorians avoid unexpected out-of-pocket costs down the track.
Compare health insurance policies in Victoria
The table below compares combined policies from Finder partners available in Victoria. 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 Victoria, 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.
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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.
Frequently asked questions
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To where do I post a Medicare claim?
I have tried the various electronic options and they don’t work.
For mobility reasons
I can’t get to our nearest Medicare Centre (Windsor)
Can I post the claim to your Windsor (3181) street address?
Christine
Hi Christine,
Thank you for your question.
You will need to contact Windsor Service Center directly to confirm if they have an option of claim via post. You can also call Services Australia about payments and services for Medicare.
All the best,
Zubair