Is it cheaper to get single or couples health insurance?

Whether it is cheaper to get single or couples health insurance depends on the specific plan and provider. Single parent health insurance is tailored for one adult and their dependents, while couples insurance covers two adults, potentially without covering dependents.

What is single parent health insurance?

Single parent private health insurance are policies made for single parents with dependent children. These policies tend to be cheaper than a standard two-adult policy, however, shopping around is key to get the best deal. You can take out either a single parent policy for hospital cover, extras cover or both.

Are my children automatically covered?

If you purchase a single parent private health insurance policy, children should be automatically covered. Most funds cover children up to age 21, or up to age 25 (sometimes higher) if they are full-time students or financially dependent on you. Some funds have slightly different rules, so it’s good to confirm the age limit and dependency definition. If you have another baby later, you’ll usually need to notify your insurer to add the baby to the policy, as they’re not automatically included.