Health Insurance WA
Health insurance varies by state, so West 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.
Key takeaways
- 54% of West Australians have hospital cover. 68.1% have extras cover.
- WA residents are the most likely to have private health cover in the country.
- The price of health insurance in WA is quite a bit lower than the national average.
The price of hospital insurance in WA
WA hospital premiums are a fair bit lower than the national average. Premiums are standardised by state though, so you'll pay the same whether you live in Perth, Pemberton or Port Hedland. 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.
WA health insurance statistics
54% of West Australians have hospital cover, while 68.1% have extras cover. That makes WA residents the most covered in the country, by a pretty decent margin. See the table below for more details. These numbers come from APRA's quarterly health insurance statistics in June 2024.
| Hospital Cover | Extras cover | |
|---|---|---|
| WA | 54.0% | 68.1% |
| Australia | 44.8% | 54.5% |
Compare health insurance policies in WA
The table below compares combined policies from Finder partners available in Western 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 Perth, 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.
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