Compare private Health Insurance in NT

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Top 3 things to know about health insurance in NT

1

Cost of insurance

Health insurance prices are influenced by where you live, and NT has some of the lowest monthly premium averages in Australia.

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2

Waiting times

Private hospital insurance can help you avoid lengthy public waiting times and increase your chances of getting treatment sooner.

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3

Ambulance cover

In NT, you’ll be required to pay for ambulance services unless you are exempt.

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A guide to private health insurance in NT

Updated 27 September 2024
Written by Joshua Wildie
Reviewed by Steven Spicer

Expert tips for finding the right health insurance in NT

Our health insurance expert, Steven Spicer, has some tips for choosing the right NT health insurance.

Steven Spicer
Executive General Manager – Health, Life & Energy

Choose the right level of cover

When comparing insurance policies, deciding on the right level of cover is essential; it could be the difference between receiving a rebate or leaving yourself completely out of pocket. You can decide from standalone hospital cover, extras only or combined hospital with extras policies.

Choose the extras you need

Extras cover is for eligible services that occur outside of hospitals, including dental, massage, optical and physiotherapy. When considering policies, think about what services you’re likely to use. This approach allows you to get the cover you need while minimising or avoiding paying for extras you’ll never use. You can also adapt your cover as you age and your health needs change.

Enjoy the flexibility

One of the best things that comes with private health insurance is the flexibility. Being treated as a private patient allows you to avoid public hospital waiting times and choose when and where to have your treatment. Subject to availability, you’ll also be able to choose your specialist and receive a private room.

Cost of health insurance in the NT

Hospital cover

Extras cover

Wait times

While public hospitals offer free surgery and procedures under Medicare, a potential downside is the lengthy wait times. For elective surgeries, patients who go through the public system can find themselves waiting months or even years for treatment.

Emergency hospital treatment wait times in NT

Elective surgery wait times

Ambulance cover in NT

Ambulance services are run by state governments, meaning ambulance service fees will vary depending on which state you live in. With the exception of Queensland and Tasmania, all Australian states and territories charge a fee for ambulance services.

Is ambulance free in NT?

Do pensioners get free ambulance in the NT?

Why get private health insurance in the NT?

Medicare pays a benefit towards many services and treatments, however, there can be a lengthy waitlist if you choose to be treated in a public hospital. A suitable health insurance policy can provide peace of mind when you need medical treatments, both when they’re expected and unexpected. Hospital policies provide cover for elective surgeries and allow you to be treated as a private patient in a private hospital, which comes with benefits such as shorter waiting times and choice of available specialists.

There are also many out-of-hospital health services, such as dentists and physio, where Medicare provides no or limited coverage. This is where extras cover can be particularly beneficial.

What does private health insurance cover?

What is private hospital cover?

What is extras cover?

Meet our health insurance expert, Steven Spicer

Steven Spicer
Executive General Manager – Health, Life & Energy

As the Executive General Manager of Health, Life and Energy, Steven Spicer is a strong believer in the benefits of private cover and knows just how valuable the peace of mind that comes with cover can be. He is passionate about demystifying the health insurance industry and advocates for the benefits of comparison when it comes to saving money on your premiums.

1 Commonwealth Ombudsman Data – Privatehealth.gov. Accessed September 2024.

2 Australian Institute of Health and Welfare – Emergency Department care 2022-23 data tables. Accessed September 2024.

3 Australian Institute of Health and Welfare – Elective surgery waiting times 2022-23 data tables. Accessed September 2024.

4 St John Ambulance Northern Territory ‒ Ambulance Transport Rates. Accessed September 2024.

5 Northern Territory Government ‒ Ambulance services. Accessed September 2024.