One of the wisest decisions you can make is to plan and prepare for your future. One way to achieve this is by making sure you are protected during any emergency situation and have access to all treatments or services needed to improve or maintain your health.
We all want to avoid having to fork out extra money for unforeseen medical bills, which is why having private health insurance could be a good decision for you and your family.
Why do health premiums differ according to state?
Health insurance premiums vary according to the state you live in. This is due to each state having its own level of taxes and charges that affect health insurance costs. Discrepancies in state property markets also influence health costs. For example, it might cost more to manage a hospital in the eastern suburbs of Sydney than in parts of Adelaide.
Recently, health insurance premiums throughout Australia have risen by close to 5%. This increase means that Hospital Cover for a single adult living in South Australia will come to an annual average of $2 043.57. If you decide to add Extras Cover you can expect to pay an additional $868.24 per annum.
Private health insurance premiums across states vary because of:
- Community statistics.
- The level of competition between health funds.
- The cost of living.
- Health trends in your area.
- Demographics in your state.
Best Private Health Insurance in South Australia
Despite rising costs, private health insurance is necessary for many SA residents, giving them more control over their choice of health care practitioner, helping them avoid out-of-pocket expenses and the Medicare Levy Surcharge.
If you are one of those SA residents, you should regularly review your health policy to ensure it is still providing you value or if you’re thinking of purchasing a policy for the first time, then compare similar options to see which one best suits your requirements and budget.
The below table provides insight into what a single South Australian adult, without dependents, can expect to pay for a combined hospital and extras policy.
Compare health insurance in South Australia
SA private hospital insurance waiting periods
Health insurance Levy and Rebates
Frequently asked questions
Are ambulance services in SA free?
No, ambulance services in SA are not free and non-emergency ambulance fees start at $213.00. However, you can reduce this amount to $21.20 per annum by taking out a private health insurance policy with Ambulance Extras Cover.
Are dental services in South Australia free?
Yes, SA Dental Services provide a range of publicly funded dental services throughout South Australia for eligible children and adults. Adults are eligible for basic dental treatment when they have a current Pensioner Concession Card or Health Care Card or a Department of Veteran’s Affairs Pensioner Concession Card. Dental services for children under the age of 18 is available whether their parents have a current concessions card or not.
When comparing private health funds available in South Australia, make sure you look at more than just the price, terms and conditions of each policy vary greatly.