2016 Health Insurance Compared: The State Winners

Canstar has researched and rated 628 health insurance products from 24 health insurers across Australia to determine which insurers are offering outstanding value on a state by state basis for Australians.

Canstar’s Health Insurance Star Ratings is the largest of our suite of ratings and awards based on sheer size of the rating. We have 287 consumer profiles which cover various demographics across the states and territories in Australia, and we look at 628 health insurance products to assess their value for those profiles.

This whole process has provided us an appreciation for the task that each consumer must go through when trying to choose the right health insurance policy for our individual needs. It is not only about finding a policy that will meet our budget, but also finding one that will provide the cover we need. With the large range of options available from multiple health fund providers, this process can be difficult.

That is where our Star Ratings step in to assist in putting you on the right path to finding a product that not only matches your budget but also provides value based on what it covers. So – which health funds received Canstar’s Outstanding Value award on a state by state basis?

 

Queensland Health Insurance winners

According to the most recent APRA statistics, 44.5% of Queenslanders hold private hospital cover and 50.2% hold an extras policy – incidentally, this level of coverage is the lowest of any state bar the Northern Territory!

When it comes to what Queenslanders look for in a health insurance policy on Canstar’s website, the most-sought hospital & extras inclusions are:

Hospital Inclusions Extras inclusions
Cardiac General and/or Major Dental
Joint replacement Physiotherapy
Colonoscopy Massage

Source: based on visitors to Canstar health insurance selector tables over 12 months to September 2016

When it comes to what health insurance costs for Queenslanders, Canstar’s 2016 research has calculated the following average premiums:

2016 Health Insurance Premiums – Hospital and Extras Packages QLD
Consumer Profile
Young Singles – Female  $           1,831
Young Singles – Male  $           1,831
Young Couples – Non Obstetrics  $           3,699
Young Single Parents – Non Obstetrics  $           3,312
Young Family – Non Obstetrics  $           3,874
Couples and Families – With Obstetrics  $           4,450
Established Singles – Female  $           2,048
Established Singles – Male  $           2,048
Established Couples  $           4,108
Established Single Parent  $           3,553
Established Families  $           4,127
Mature Singles  $           2,174
Mature Couples  $           4,374
Based on packaged cover policies considered for 2016 Canstar Health Insurance Star Ratings. Premiums include Base Tier Australian Government Rebate of 26.791%. “Mature” profile only includes products that include cover for cardiac and hip/knee replacements. “Established” profile only includes products that include cover for cardiac.

 

The Queensland 2016 Outstanding Value winners are:

2016 Canstar health insurance state winners - Queensland

Award Category Region Winner
Outstanding value Hospital Cover QLD HIF
Outstanding value Health Insurance – Extras QLD Queensland Country Health
Outstanding value Hospital & Extras Package QLD HIF

Compare Health Insurance in QLD

Considering a health insurance policy in QLD? See our comparison table below for a snapshot of the hospital cover policies available for a single male, sorted by our star ratings (highest to lowest) with links direct to the providers website.

NSW Health Insurance Winners

According to the most recent APRA statistics, NSW residents are diligent about their health insurance, with 47.9% holding private hospital cover and 57.6% holding an extras policy.

In terms of what NSW residents look for in a health insurance policy on Canstar’s website, the most-sought hospital & extras inclusions are:

Hospital Inclusions Extras inclusions
Cardiac General and/or Major Dental
Joint replacement Physiotherapy
Knee Reconstruction Massage

Source: based on visitors to Canstar health insurance selector tables over 12 months to September 2016

When it comes to what health insurance costs for NSW residents, Canstar’s 2016 research has calculated the following average premiums:

2016 Health Insurance Premiums – Hospital and Extras Packages NSW
Consumer Profile
Young Singles – Female $           1,818
Young Singles – Male $           1,818
Young Couples – Non Obstetrics $           3,673
Young Single Parents – Non Obstetrics $           3,340
Young Family – Non Obstetrics $           3,813
Couples and Families – With Obstetrics $           4,318
Established Singles – Female $           1,992
Established Singles – Male $           1,992
Established Couples $           4,000
Established Single Parent $           3,513
Established Families $           3,984
Mature Singles $           2,128
Mature Couples $           4,278
Based on packaged cover policies considered for 2016 Canstar Health Insurance Star Ratings. Premiums include Base Tier Australian Government Rebate of 26.791%. “Mature” profile only includes products that include cover for cardiac and hip/knee replacements. “Established” profile only includes products that include cover for cardiac.

 

The NSW 2016 Outstanding Value winners are:

2016 Canstar health insurance state winners - New south wales

Award Category Region Winner
Outstanding value Hospital Cover NSW Bupa
Outstanding value Health Insurance – Extras NSW HCF
Outstanding value Hospital & Extras Package NSW Bupa

Compare Health Insurance in NSW

Considering a health insurance policy in NSW? See our comparison table below for a snapshot of the hospital cover policies available for a single male, sorted by our star ratings (highest to lowest).

 

Victoria Health Insurance Winners

Excluding the Northern Territory, Victorians share the dubious honour with Queensland of having the lowest proportion of residents holding private hospital cover, at 44.5%.  Approximately 51.1% hold an extras policy.

In terms of what Victorians look for in a health insurance policy on Canstar’s website, the most-sought hospital & extras inclusions are:

Hospital Inclusions Extras inclusions
Cardiac General and/or Major Dental
Joint replacement Physiotherapy
Colonoscopy Chiropractic

Source: based on visitors to Canstar health insurance selector tables over 12 months to September 2016

When it comes to what health insurance costs for Victorians, Canstar’s 2016 research has calculated the following average premiums:

2016 Health Insurance Premiums – Hospital and Extras Packages VIC
Consumer Profile
Young Singles – Female $           1,866
Young Singles – Male $           1,866
Young Couples – Non Obstetrics $           3,779
Young Single Parents – Non Obstetrics $           3,384
Young Family – Non Obstetrics $           3,962
Couples and Families – With Obstetrics $           4,480
Established Singles – Female $           2,063
Established Singles – Male $           2,063
Established Couples $           4,156
Established Single Parent $           3,600
Established Families $           4,173
Mature Singles $           2,176
Mature Couples $           4,387
Based on packaged cover policies considered for 2016 Canstar Health Insurance Star Ratings. Premiums include Base Tier Australian Government Rebate of 26.791%. “Mature” profile only includes products that include cover for cardiac and hip/knee replacements. “Established” profile only includes products that include cover for cardiac.

 

The VIC 2016 Outstanding Value winners are:

2016 Canstar health insurance state winners - Victoria

Award Category Region Winner
Outstanding value Hospital Cover VIC HIF
Outstanding value Health Insurance – Extras VIC CUA
Outstanding value Hospital & Extras Package VIC HIF

Compare Health Insurance in VIC

Considering a health insurance policy in VIC? See our comparison table below for a snapshot of the hospital cover policies available for a single male, sorted by our star ratings (highest to lowest).

Northern Territory Health Insurance Winners

According to APRA statistics, Northern Territory residents have the lowest proportion of private health insurance coverage across all states and territories, with 40.9% holding private hospital cover,  and 44.3% holding an extras policy.

In terms of what NT residents look for in a health insurance policy on Canstar’s website, the most-sought hospital & extras inclusions are:

Hospital Inclusions Extras inclusions
Cardiac General Dental
Joint replacement Physiotherapy
Colonoscopy Massage

Source: based on visitors to Canstar health insurance selector tables over 12 months to September 2016

When it comes to what health insurance costs for NT residents, Canstar’s 2016 research has calculated the following average premiums:

2016 Health Insurance Premiums – Hospital and Extras Packages NT
Consumer Profile
Young Singles – Female $           1,313
Young Singles – Male $           1,313
Young Couples – Non Obstetrics $           2,689
Young Single Parents – Non Obstetrics $           2,502
Young Family – Non Obstetrics $           2,871
Couples and Families – With Obstetrics $           3,271
Established Singles – Female $           1,479
Established Singles – Male $           1,479
Established Couples $           3,004
Established Single Parent $           2,657
Established Families $           3,034
Mature Singles $           1,601
Mature Couples $           3,265
Based on packaged cover policies considered for 2016 Canstar Health Insurance Star Ratings. Premiums include Base Tier Australian Government Rebate of 26.791%. “Mature” profile only includes products that include cover for cardiac and hip/knee replacements. “Established” profile only includes products that include cover for cardiac.

 

The Northern Territory 2016 Outstanding Value winners are:

2016 Canstar health insurance state winners - NT

Award Category Region Winner
Outstanding value Hospital Cover NT Bupa
Outstanding value Health Insurance – Extras NT Medibank
Outstanding value Hospital & Extras Package NT Medibank

Compare Health Insurance in NT

Considering a health insurance policy in NT? See our comparison table below for a snapshot of the hospital cover policies available for a single male, sorted by our star ratings (highest to lowest).

South Australia Health Insurance Winners

At 46%, South Australians are almost exactly in the middle when it comes to the proportion of residents holding private hospital cover – neither higher nor lower than other states. And at 59.4% holding an extras policy, they are nicely idle of the road there as well.

In terms of what South Australians look for in a health insurance policy on Canstar’s website, the most-sought hospital & extras inclusions are:

Hospital Inclusions Extras inclusions
Joint replacement General and/or Major Dental
Colonoscopy Physiotherapy
Cardiac Massage

Source: based on visitors to Canstar health insurance selector tables over 12 months to September 2016

When it comes to what health insurance costs for South Australians, Canstar’s 2016 research has calculated the following average premiums:

2016 Health Insurance Premiums – Hospital and Extras Packages SA
Consumer Profile
Young Singles – Female $           1,758
Young Singles – Male $           1,758
Young Couples – Non Obstetrics $           3,573
Young Single Parents – Non Obstetrics $           3,179
Young Family – Non Obstetrics $           3,739
Couples and Families – With Obstetrics $           4,235
Established Singles – Female $           1,960
Established Singles – Male $           1,960
Established Couples $           3,944
Established Single Parent $           3,369
Established Families $           3,924
Mature Singles $           2,137
Mature Couples $           4,307
Based on packaged cover policies considered for 2016 Canstar Health Insurance Star Ratings. Premiums include Base Tier Australian Government Rebate of 26.791%. “Mature” profile only includes products that include cover for cardiac and hip/knee replacements. “Established” profile only includes products that include cover for cardiac.

 

The SA 2016 Outstanding Value winners are:

2016 Canstar health insurance state winners - South Australia

Award Category Region Winner
Outstanding value Hospital Cover SA Bupa
Outstanding value Health Insurance – Extras SA HCF
Outstanding value Hospital & Extras Package SA Bupa

Compare Health Insurance in SA

Considering a health insurance policy in SA? See our comparison table below for a snapshot of the hospital cover policies available for a single male, sorted by our star ratings (highest to lowest).