Compare health insurance policies available in NT
The table below shows a range of health insurance policies from our Online Partners that are available in Northern Territory.

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The initial results in the table above are sorted by Star Rating (High-Low) , then Monthly premium (approx) (Low-High) , then Provider Name (Alphabetical) . Additional filters may have been applied, which impact the results displayed in the table - filters can be applied or removed at any time.
What is private health insurance in NT?
While the public healthcare system (Medicare) in the Northern Territory (NT) is comprehensive, the region’s vast geography can sometimes make access to timely care challenging. This is where private health insurance can offer additional support.
Private health insurance can provide more control over your healthcare. With private health insurance, you can choose to be treated as a private patient in a private or public hospital by a doctor of your choice. You may also experience shorter waiting times, especially for some elective procedures.
Besides covering your hospital expenses, private health insurance can also help cover the cost of services not included under Medicare, such as dental, optical, and physiotherapy.
There are generally three types of private health insurance:
- Hospital cover: Helps pay for treatment in a private hospital or as a private patient in a public hospital.
- Extras cover: Covers out-of-hospital services like dental, physio, or chiropractic treatment.
- Combined cover: A policy that includes both hospital and extras cover.
Ambulance services in the Northern Territory are not covered by Medicare and are not free, unless you hold a concession card such as the NT Pensioner Concession Card. If you need emergency ambulance transport, you may end up paying upwards of $1,000, depending on the distance travelled and the level of care required.
Taking out private health insurance with ambulance cover, or subscribing to St John NT Ambulance Cover, can help reduce these out-of-pocket costs, giving you greater financial protection during a medical emergency.
What are the benefits of private health cover?
While taking out private health insurance is a personal choice, it can often prove helpful—especially when you’re faced with a need for unexpected medical treatment and the associated expense. Private health insurance gives you the option to be treated as a private patient in a public or private hospital. You can choose your own doctor or surgeon and may be able to access a private room, if available. It can also help reduce waiting times for hospital procedures, particularly for elective surgeries.
Another key benefit is that it can cover a range of treatments not included under Medicare. This may include dental, optical, physiotherapy, chiropractic care, and ambulance services. Depending on your policy limits, you may be reimbursed up to a set amount, which can still be useful to reduce out-of-pocket costs. If you’re planning a family, you may be able to add obstetrics cover to your policy, but keep in mind that waiting periods often apply.
There can also be potential tax benefits if you hold an appropriate level of coverage. For example, private health insurance can help you avoid the Medicare Levy Surcharge and Lifetime Health Cover (LHC) loading, two additional costs that may apply if you don’t hold an eligible policy.
Is private health insurance in NT worth it?
Taking out private health insurance is a personal choice that depends on individual needs. While Medicare covers many treatments and procedures, access to timely care through public hospitals in the NT can sometimes be challenging due to the region’s vast geography and dispersed population, often leading to longer wait times. Private clinics or hospitals may provide faster access, although costs at private facilities might not be fully covered by Medicare.
Private health insurance can offer peace of mind by helping cover unexpected medical expenses and giving you the option to be treated as a private patient in public or private hospitals. It can also cover extras like dental, optical, and physiotherapy—services generally not covered by Medicare. Many policies allow families to add children at little or no extra cost, and options are available for singles or single parents, providing valuable support during medical emergencies.
While private health insurance is completely optional, it may be worth considering depending on your circumstances. If you’re thinking of getting cover, it can be a good idea to compare your options. Make sure to review the policy documentation, such as the Private Health Information Statement (PHIS) and Target Market Determination (TMD), for any product you’re considering.
Frequently asked questions about health insurance policies in NT
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About the authors
Nina Rinella, Editor-in-Chief

Joshua Sale, GM, Research

Important information
For those that love the detail
This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.