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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SA hospital premiums are pretty close to the national average. Premiums are standardised by state though, so you'll pay the same whether you live in Adelaide, Ardrossan or Andamooka. 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 Adelaide. The numbers are updated monthly.
| Basic | Bronze | Silver | Gold | |
|---|---|---|---|---|
| SA | $85.01 | $102.12 | $150.2 | $218.89 |
| Australia | $85.82 | $100.45 | $153.27 | $243.17 |
44.7% of South Australians have hospital cover, while 59.5% have extras cover. That's slightly less than the national average for hospital, but quite a lot more than the average for extras. See the table below for more details. These numbers come from APRA's quarterly health insurance statistics in August 2023.
| Hospital Cover | Extras cover | |
|---|---|---|
| SA | 44.7% | 59.5% |
| Australia | 45.1% | 55.0% |
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