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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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. 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 $97,000 a year living in Perth. The numbers are updated monthly.
| Basic | Bronze | Silver | Gold | |
|---|---|---|---|---|
| WA | $70.03 | $83.83 | $132.74 | $209.05 |
| Australia | $85.33 | $100.15 | $152.75 | $245.21 |
54.4% of West Australians have hospital cover, while 69.1% 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 August 2023.
| Hospital Cover | Extras cover | |
|---|---|---|
| WA | 54.4% | 69.1% |
| Australia | 45.1% | 55.0% |
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As a not-for-profit brand, HIF is able to offer low premiums across both hospital and extras policies.
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