Victoria cheapest for dental, dearest for everything else


Research group CANSTAR CANNEX has released a survey of health insurance funds comparing each state, and has found Victoria is the most expensive state for private health cover for families. The Northern Territory was the cheapest region, costing $2,896 to insure a family for a year.

Interestingly, the same survey found dental expenses far outweighed other extras such as optical, physio and chiropractic in payouts by health insurers, and that dental expenses were highest in the Northern Territory, where an average check-up would set you back $53.45, while the cost of a check-up was lowest in Victoria at $45.12.

In the June quarter, health insurers paid out $402 million on dental claims, more than double the $127 million paid for optical benefits.

In Victoria, an average annual family premium, including hospitals and extra cover, jumped 16 per cent to $3,432.99, up from $2959.43 in 2009, according to the 2010 CANSTAR CANNEX health insurance star ratings.

CANSTAR said private health insurance premiums were determined by the cost of medical care in each state, the number of funds and the number of claims made per state.

“We found the funds that offered outstanding value private health insurance across Australia were the same funds we identified last year – HCF, MBF and Medibank Private,” CANSTAR CANNEX head of research Steve Mickenbecker said.

“It was clear to us that these brands were much more consistent across the board and they stand out for the broad and deep value offered to consumers.”

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