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NT Health Insurance
Health insurance varies by state, so Territorians 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.
39.8% of Territorians have hospital cover. 44.7% have extras cover.
NT residents are the least likely to have private health cover in the country.
That is despite NT health insurance premiums being the cheapest in Australia!
The table below compares combined policies from Finder partners available in the Northern Territory. 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 $93,000 living in Darwin, with a $750 excess - learn why this matters here.
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.
Standard cover (a varied mix of hospital
treatments)
Comprehensive cover for most treatments
Pregnancy and childbirth
Not sure yet. Let me see all the options
What extras cover do you need?
Select as many as you want
Preventative & general dental
Major dental & implants
Optical
Physiotherapy
Podiatry
Non-PBS pharmaceuticals
Chiropractic
Emergency ambulance
Remedial massage
Why compare with us
You'll pay the same price as going direct - we don't
charge fees
We don't ask for your phone or email to see prices
Hang Tight - we're fetching policies just for you!
Comparing quotes from 30+ funds...
Finder survey: How often do Australians in different states go to the dentist?
Response
WA
VIC
SA
QLD
NSW
More than once a year
13.21%
7.41%
9.33%
7.11%
8.95%
Once a year
7.55%
5.19%
8%
4.06%
7.67%
Once every 2 yrs
1.89%
1.48%
1.52%
0.96%
Less than once every 2 yrs
1.11%
1.52%
1.28%
Source: Finder survey by Pure Profile of 1006 Australians, December 2023 Data for ACT, NT, TAS not shown due to insufficient sample size. Some other states may also be excluded for this reason.
The price of hospital insurance in the Northern Territory
Northern Territory hospital premiums are the cheapest in the country, and by a really significant amount. If you live in the territory, private health insurance can offer really good value. 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 $93,000 a year living in Darwin. The numbers are updated monthly.
39.8% of Nt residents have hospital cover, while 44.7% have extras cover. That's really low compared to the national average. It could be partly explained by the lower age distribution in the NT, as young people tend to be less likely to have cover. See the table below for more details. These numbers come from APRA's quarterly health insurance statistics in August 2023.
Hospital Cover
Extras cover
NT
39.8%
44.7%
Australia
45.1%
55.0%
Hospital
Extras
Australia
45.1%
55.0%
NSW
46.6%
57.5%
VIC
42.4%
50.2%
QLD
41.1%
48.2%
SA
44.7%
59.5%
WA
54.4%
69.1%
TAS
41.5%
49.4%
ACT
53.8%
66.2%
NT
39.8%
44.7%
Why you can trust Finder's health insurance experts
We're free
Our health insurance engine is completely free to use. You pay the same as buying directly from the health insurer. Better still, we regularly run exclusive deals that you won't find on any other site.
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and you can compare nearly every health fund in Australia on the site (and find a better deal).
We're here to help
Since 2014, we've helped 350,000+ people find health insurance by explaining your options simply. We'll never ask for your number or email to see prices. We're here to help you make a decision.
The Northern Territory has the lowerst average premiums for health insurance than any other state or territory in Australia, by a fairly wide margin. Australian health insurance policies vary a little between states, and the NT benefits more than anyone else.
Tim Bennett is a Finder insurance expert. For over 10 years he's reported on news, politics, finance and other topics as a journalist and radio presenter. Tim's roles have included radio news reader and breakfast at the ABC, news producer for SBS and producer for Fairfax Media. Tim regularly appears as a health insurance expert on programs like Sunrise and SBS news, as well as in the Australian, The Daily Telegraph, The Courier Mail and more.
Looking for health cover but aren't sure which policy is best? This article looks at Australian Unity's health insurance options and helps you decide whether any of its policies are what you need.
HIF is a member owned fund which provides wide coverage for diverse treatments.
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