
The 4 Best Health Insurance Companies in Adelaide
1. Health Partners

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 score | 4.3/5 |
Google reviews score | 4.4/5 |
Total reviews | 5/5 |
Score consistency | 4.35/5 |
Insurance plans | 5/5 |
Coverage | 5/5 |
Benefits | 5/5 |
Communication | 5/5 |
Claims process | 5/5 |
Simplicity | 5/5 |
Fees | 5/5 |
Reputation and longevity | 5/5 |
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

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 score | 3/5 |
Total reviews | 4.8/5 |
Score consistency | 3/5 |
Insurance plans | 5/5 |
Coverage | 5/5 |
Benefits | 5/5 |
Communication | 4/5 |
Claims process | 4/5 |
Simplicity | 4/5 |
Fees | 5/5 |
Reputation and longevity | 5/5 |
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

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 score | 4.9/5 |
Google reviews score | 4.8/5 |
Total reviews | 4.5/5 |
Score consistency | 4.85/5 |
Insurance plans | 4/5 |
Coverage | 4/5 |
Benefits | 4/5 |
Communication | 5/5 |
Claims process | 5/5 |
Simplicity | 5/5 |
Fees | 5/5 |
Reputation and longevity | 5/5 |
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. Emergency Services Health

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 score | 4.8/5 |
Google reviews score | 4/5 |
Total reviews | 3/5 |
Score consistency | 4.4/5 |
Insurance plans | 4/5 |
Coverage | 4/5 |
Benefits | 4/5 |
Communication | 5/5 |
Claims process | 5/5 |
Simplicity | 5/5 |
Fees | 5/5 |
Reputation and longevity | 5/5 |
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.