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5 Best Health Insurance Companies in Adelaide

The 5 Best Health Insurance Companies in Adelaide

How We Picked the Top Health Insurance Agencies of Adelaide

Insurance plans. We checked the health insurance plan’s coverage, duration, benefits, and inclusions.
Communication. We prefer Adelaide health insurers who quickly respond to claims. It’s also best if they explain their plans in a simple yet comprehensive manner. 
Fees. We looked at the tiers of their health insurance plans in Adelaide to see if the inclusions are fair even for the most affordable options.
Reputation and longevity. It’s also important to choose a health insurer that has proven itself through many years of being in business.  

1. Health Partners

Health Partners Homepage

Services: General health insurance, dental insurance, optical insurance

Website: https://www.healthpartners.com.au/

Address: 101 Pirie St, Adelaide SA 5000, Australia

Contact Details: +61 1300 113 113

Operating Hours:

  • Monday-Friday: 8:30 AM-5:30 PM
  • Saturday: 9 AM-1 PM
  • Sunday: Closed
Facebook reviews score4.3/5
Google reviews score4.4/5
Total reviews5/5
Score consistency 4.35/5
Insurance plans5/5
Coverage5/5
Benefits5/5
Communication5/5
Claims process5/5
Simplicity5/5
Fees5/5
Reputation and longevity5/5

Pros

  • Affordable plans
  • Has many awards
  • Wide-ranging coverage
  • Simply explained plans

Cons

  • Takes some time to respond to emails and calls
  • Long waiting lines at their partner locations for dental and optical services

Health Partners is a not-for-profit organization, which makes it one of the top health insurance choices for many in Adelaide. It has been in business for 80 years, which shows that they’re capable of high-quality insurance. 

More than 90,000 individuals are registered under them. A noteworthy fact is that they have long retention rates compared to other insurance providers, which is a good sign. 

In addition, they’ve been awarded top health insurance by Canstar and Customer Satisfaction Awards.

This results in some of the most affordable plans we’ve seen. Their four tiers have many inclusions and come with a 20% discount at chosen pharmacies.

It also helps how wide-ranging their coverage is, as it includes optical and dental health. They are recognized by many health service providers in Adelaide CBD and most suburbs. 

We appreciate their health management and support programs for being forward-thinking in their approach. 

They involve disease prevention, disease control, and hospital support, which is very helpful for those with diabetes, cancer, and heart diseases. 

Other than that, they’re also great at explaining the coverage of their plans. They advertise a “confusion-free” plan, which results in simply written and explained insurance documents. 

We also like that they provide unlimited emergency ambulance coverage. This is simply invaluable given how pricey it is to pay for this service out-of-pocket. 

However, a downside is that they take some time to respond to emails and calls. This is because of the high demand for their services. 

In relation to this, the waiting lines at their partner locations for dental and optical services are long. Although this isn’t within the insurer’s control, you may want to keep this in mind.

2. Medibank Adelaide

Medibank Adelaide's Homepage

Services: Health insurance, travel insurance, pet insurance, life insurance

Website: https://www.medibank.com.au/

Address: 65 Grenfell St, Adelaide SA 5000, Australia

Contact Details: +61 132331

Operating Hours:

  • Monday-Friday: 9 AM-5:30 PM
  • Saturday-Sunday: Closed
Google reviews score3/5
Total reviews4.8/5
Score consistency 3/5
Insurance plans5/5
Coverage5/5
Benefits5/5
Communication4/5
Claims process4/5
Simplicity4/5
Fees5/5
Reputation and longevity5/5

Pros

  • Nurse available via phone 24/7
  • Provides cash back for optical and dental services
  • Many insurance options
  • Has tailored packages for different clients

Cons

  • Suffered from cybersecurity attack in 2022
  • Has received complaints of unprofessional phone staff

Medibank has proven to be one of the most reliable medical insurance providers, as seen in their COVID-19 support. They’ve been able to reimburse up to $950 million in 2022, which shows their dedication to providing coverage when it’s most needed.

One of the best aspects of Medibank is how you can contact a nurse 24/7 to address your concerns. This also speeds up the process for claims if you inform them of your condition.

We appreciate their 100% cash back for optical and dental checkups and products. This easily makes their plans a good investment.

A strength of the company is that you get up to eight insurance options that differ in price and coverage. They also have plenty of options for add-ons. 

We also like how they have tailored packages depending on the recipient, may it be for couples, families, single parents, or singles. 

Plus, the company also provides many other forms of insurance such as travel and pet insurance. This means you don’t have to look for another insurer to cover travel and pet expenses. 

That said, a downside with them is that they’ve suffered a cybersecurity attack in 2022. Many clients’ personal data were stolen as a result.

Aside from this, some clients complained of receiving unprofessional and rude service from their phone staff.

3. Police Health Fund

Police Health Fund's Homepage

Services: Hospital insurance

Website: https://policehealth.com.au/

Address: 320 King William St, Adelaide SA 5000, Australia

Contact Details: +61 1800 603 603

Operating Hours:

  • Monday, Wednesday-Friday: 8:45 AM-4:45 PM
  • Tuesday: 9:30 AM-4:45 PM
  • Saturday-Sunday: Closed
Facebook reviews score4.9/5
Google reviews score4.8/5
Total reviews4.5/5
Score consistency 4.85/5
Insurance plans4/5
Coverage4/5
Benefits4/5
Communication5/5
Claims process5/5
Simplicity5/5
Fees5/5
Reputation and longevity5/5

Pros

  • Premiums are affordable and comprehensive
  • Allows rollover of unclaimed maximums yearly 
  • Large list of health providers who recognize them
  • Straightforward claims process

Cons

  • Limited to the police and their immediate family members
  • Limited options for coverage

Police Health Fund is another not-for-profit company that provides health insurance, which means that its premiums are affordable. In addition, they’re also a great choice because of the good benefits they provide. 

First, they allow users to roll over any unclaimed maximums in a year to the next one. This gives you more control over the flow of your money. 

In addition, we like the large list of health providers that recognize them. This includes physiotherapists, dentists, and doctors all around Adelaide.

Because they primarily serve the police, they have one of the fastest and most straightforward claims processes we’ve seen. 

We also appreciate that the insurance provides comprehensive Gold-tier plans. This complete protection, paired with its affordable rate, makes them a great choice for policemen. 

That said, an obvious downside with them is that they’re only for active members of the police, retired police, and their immediate family members. 

Aside from this, they have a limited list of coverages offered when compared to other companies. 

4. Bupa Adelaide 

Bupa Adelaide's Homepage

Services: Health insurance, overseas health cover, home insurance, pet insurance, car insurance

Website: https://www.bupa.com.au/

Address: 24 Regent Arcade, Rundle Mall, Adelaide SA 5000, Australia

Contact Details: +61 134135

Operating Hours:

  • Monday-Friday: 9 AM-5 PM
  • Saturday: 10 AM-3 PM
Google reviews score3.1/5
Total reviews4.5/5
Score consistency 3.1/5
Insurance plans5/5
Coverage5/5
Benefits5/5
Communication4/5
Claims process4/5
Simplicity4/5
Fees5/5
Reputation and longevity5/5

Pros

  • Convenient mobile app and website design
  • Many plans offered
  • Flexible prices
  • Large list of healthcare providers

Cons

  • Has received complaints of hidden fees
  • Long waiting times in their office

Bupa’s strength lies in the convenience of availing insurance from them. They have a mobile application, a well-designed website, and a straightforward process for registration. 

We like their mobile application because it has many useful features, such as those for making claims, viewing your nearest health providers, and viewing the status of your cover. It has an intuitive design too!

Their website also allows users to quickly identify their Visa status, the insurance that they can avail of, and the rates applicable to them. These pieces of info are well-explained here and friendly for international clients.

Speaking of their coverage, they have a large list of plans offered. These are flexible in price and inclusions too. 

Plus, if you avail of health services from their large list of providers, you get lower out-of-pocket fees. Familiarize yourself with their preferred practitioners and you get great value for your money. 

All that said, there are a couple of downsides to them. 

First, they’ve received complaints of having hidden fees in their plans. This can be a result of poor customer communication regarding their rates

Aside from this, some have complained about long waiting times in their office.

5. Emergency Services Health

Emergency Services Health's Homepage

Services: Health insurance

Website: https://eshealth.com.au/

Address: 320 King William St, Adelaide SA 5000, Australia

Contact Details: +61 1300 703 703

Operating Hours:

  • Monday-Friday: 8:30 AM-4:30 PM
  • Saturday-Sunday: Closed
Facebook reviews score4.8/5
Google reviews score4/5
Total reviews3/5
Score consistency 4.4/5
Insurance plans4/5
Coverage4/5
Benefits4/5
Communication5/5
Claims process5/5
Simplicity5/5
Fees5/5
Reputation and longevity5/5

Pros

  • Comprehensive plans
  • Has a well-designed cancer program
  • Fast claims process
  • No excess, co-payments, and restrictions for benefits 

Cons

  • Limited to emergency responders
  • App is a bit slow to respond

Emergency Services Health primarily caters to emergency responders, including fire response, ambulance, state emergency response, and water response teams.

Their Adelaide health insurance plans are among the most comprehensive we’ve seen. All of their offers are Gold plans, and their rates are among the most affordable in Adelaide. 

In addition, they have many advantages like no excesses, co-payments, and restrictions for benefits. The ambulance coverage encompasses many situations too. 

We also praise them for their cancer support program which comes at no additional costs for members. It provides support from oncology nurses, physiologists, and cognitive coaches. 

In addition, they have a fast claims process, as their representatives are already familiar with the common health concerns of their members. These include chronic obstructive pulmonary disease, cancers, neurological conditions, and more. 

All that said, a downside is that they’re only limited to covering emergency responders and their immediate family members. This removes a huge chunk of Adelaide’s citizens from their possible clients. 

Aside from this, we found their app a bit slow to respond. The good part is that its design is simple and intuitive. 

FAQs about Health Insurance in Adelaide

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