If you live in Australia's Northern Territory, much of your home state is considered remote or very remote.
While public healthcare services are provided by the government through Medicare, they may not be readily accessible from your location.
If you live outside the cities of Darwin and Palmerston, you'll have to travel significant distances to receive specialist services.
Private health cover can help with hospital and travel costs if someday you need medical attention.
The Northern Territory consistently has the lowest percentage in Australia of residents with private health cover.
Three types of cover are available in the NT: health cover, extras cover, and ambulance cover.
In the NT, the open membership funds with the largest market share are Medibank, BUPA, and HCF.
Who has health cover in the NT?
As of December 2018, the total percentage of people in Australia with hospital cover is 44.6%, or approximately 11,241,637 people.
Specifically, the percentage of residents of the NT with private hospital cover is 39.5%, amounting to approximately 97,607 residents.
The Northern Territory consistently scores the lowest in percentage of residents covered out of all Australian states.
If we break down that number by age,
20,093 or 20.6% are aged 0-14 years old
68,523 or 70.2% are aged 15-64 years old
8,991 or 9.2% are 65 years old or older
Looking at it by gender, there's almost an equal distribution of residents with health insurance between male and female.
48,042 or 49.2% are male
49,565 or 50.8% are female
What types of cover can I get in the NT?
You can get three types of health cover in the NT:
Hospital cover: insurance that covers expenses in whole or in part for hospital treatments and services.
Extras cover: insurance that covers expenses for non-hospital related services (e.g. dental services, optometry, physiotherapy)
Ambulance cover: insurance that covers payments for ambulance transport
Healthcare services in the Northern Territory are rendered by both public and private hospitals, clinics, and health care facilities.
These provide inpatient, outpatient, and emergency services.
Medicare provides cover for healthcare services at Royal Darwin Hospital, the main hospital in the Northern Territory.
This is also the home of the National Critical Care and Trauma Response Centre and Alan Walker Cancer Care Centre.
Royal Darwin Hospital is a specialist institution and a teaching hospital affiliated with Flinders University in Adelaide.
If you have private hospital cover, you have more freedom when it comes to your hospital of choice.
Depending on your policy, you can get covered for services at Darwin Private Hospital or another institution of your choosing.
You may also be able to select your attending physician, be placed in a private room when available, and skip the public hospital waiting list by attending a private hospital for certain medical procedures or surgeries.
The Australian government also awards incentives such as rebates and exemption from the Medicare Levy Surcharge to most individuals who take out an eligible level of hospital cover.COMPARE & SAVE
Ancillary services such as dental services, optometry, physiotherapy, chiropractic services, podiatry, and others are typically not covered by public healthcare.
For instance, public dental services are only free in the NT if:
You hold a Centrelink Pensioner Concession Card or a Centrelink Health Care Card
You're a member of the government's cleft lip and cleft palate scheme
You are below 18 years old, still in school, and do not have a full-time job
You are a remote resident residing more than 100 kilometres from your nearest dental health facility (emergency dental care only)
Otherwise, you will have to pay for dental care.
While one-time visits to ancillary specialists may be manageable, repeated visits may be less so (e.g. regular visits to a physiotherapist).
This is where extras cover comes in handy.
With extras cover, you can defray expenses by claiming your benefits to cover an ancillary service for a number of times in a set time period.
Ambulance transport services are only covered by public healthcare in the NT if you hold a NT Centrelink Pensioner Concession Card or a NT Centrelink Health Care Card.
Otherwise, you should take out cover with St John Ambulance or health insurance with ambulance cover.
Ambulance services start with a callout fee for the first 10 kilometres, and the trip is charged per kilometre beyond that.
All in all, you can expect to pay between $700-$1000 per trip.
What are the top performing funds in the NT?
So how do you go about choosing your private health care provider?
For a start, you could begin by seeing which health funds are used by your fellow Territorians.
Based on size of market share in the NT
In the NT, the open membership funds with the largest market share are Medibank, BUPA, HCF, NIB, and HBF.
Medibank comes in first with 40.7% of market shares in the NT.
This is followed by BUPA, with 38.6%. HCF comes in at a far third with 5.0%; NIB with 2.6%; and HBF with 2.0%.
This is according to the 2017 State of the Health Funds Report by the Private Health Insurance Ombudsman (PIHO).
Based on number of complaints in Australia
The PHIO State of the Health Funds Report also examines health funds according to service performance.
One parameter to measure performance is via the percentage of complaints the PHIO receives in relation to how large it's market share is in the country.
If a fund has a higher complaints percentage than it's market share, it indicates that members of that fund are more likely to complain about the fund.
Thus, it does not immediately follow that the fund with the largest share is also the best in service performance.
Although the following information is not specific to performance in the NT, it can give you an idea of how a fund is doing overall.
Looking at the top five biggest health funds in the Northern Territory, we can see that BUPA, HCF, and NIB had lower complaints percentages in 2017 compared to 2014, signifying improved performance.
Medibank, on the other hand, has more than doubled its complaints percentage from 2014 to 2017.
Only HBF has had a consistently lower complaints percentage compared to its market share percentage, even if it has the lowest number of market shares among the five.
Stay on top of your health
When it comes to your health, you may not be able to rely solely on government resources.
With private health insurance, you can put up additional safeguards for yourself as well.
Hospital cover, extras cover, and ambulance cover policies can give you access to more avenues of quality treatment.
If you're a resident of Australia's Northern Territory and you're ready to choose health cover, get started below.COMPARE & SAVE
This guide is opinion only and should not be taken as medical or financial advice. Check with a financial professional before making any decisions.