Finder makes money from featured partners, but editorial opinions are our own.

Single parent health insurance

Single parent health insurance is a type of private health policy that comes with equal cover for one or more of your kids. You pay the same rate regardless of how many dependants you have.

Single parent health insurance covers you and all your kids on the same convenient policy, helping you protect your children's health.

As your family grows, you can even add additional children onto your policy for free and it'll usually cover them up until the age of 21, or 25 if they're a full-time uni student.

Why compare health insurance with Finder?

  • We don't ask for your phone or email to see prices.

  • With 1 click, you can open your results to nearly every fund in Australia.

  • You pay the same price as going direct – we charge no fees.

Start comparing for freeStart comparing for free

What you need to know

  • If you already have insurance, there will be a small bump in your premium for the first child and the rest are covered for free.
  • The kids are covered for what you are covered for and they will not usually have to serve waiting periods if you have already served them.
  • You can get single parent hospital cover, extras cover or both.

What is single parent health insurance?

Single parent health insurance refers to a singles health insurance policy that also includes equal cover for one or more dependants. It can help pay the bills for:

Hospital cover

Hospital treatment

As well as covering you for everything that Medicare includes, private hospital insurance can let you and your kids get treated for non-urgent conditions quicker, allow you to choose the doctor that treats them and give them access to a private room in a private hospital.

General dental

Extras treatment

Childhood is also the time for fixing crooked teeth and imperfect vision. Extras cover gives your kids a head start in both areas. Most extras policies will cover basic dental work, eye exams, glasses and even therapies like physio. Dreading the day your little one needs orthodontics? Higher level policies can help out there.

Ambulance cover


Unfortunately, ambulance services are not covered by Medicare in Australia (except in Queensland and Tasmania) so you'll need to take out health insurance if you want to avoid expensive fees for you or your child. Luckily, you can get covered for as little as $3 a week with a basic extras policy.

Does single parent health insurance cover pregnancy?

Yes, all gold tier policies are required to provide pregnancy cover. Keep in mind there's a 12-month waiting period before you can claim for pregnancy. That means you'll have to get pregnancy cover well before you start trying to conceiv, unless your previous policy also covered pregnancy.

If you don't plan to have more children, opt for a policy that excludes pregnancy cover since there's no point paying for a service you're unlikely to need.

Finder survey: How many people worry about being able to pay for medical bills?

Source: Finder survey by Pure Profile of 1006 Australians, December 2023

What are the waiting periods on a single parent health insurance policy?

Waiting periods for single parent health insurance are generally as follows:

  • 2 months for most hospital treatments (except pregnancy which is 12 months) and extras services e.g. general dental, physio and chiro.
  • 12 months for pre-existing conditions and some more expensive extras treatments like major dental and orthodontics.

What does single parent health insurance not cover?

Even with comprehensive hospital and extras policies, there are a few services and treatments a single parent health policy will not cover. Some of these include:

  • Outpatient blood work and testing. Private hospital cover piggybacks off Medicare, which covers mainly inpatient treatments. Outpatient services like bloodwork and testing aren't typically covered on extras policies either.
  • GP and specialist visits. These are two types of outpatient services that Medicare will cover but your private health insurance won't.
  • Non-emergency ambulance rides. Most private health insurance policies cover ambulance rides but only for emergency situations. If paramedics or doctors say it's not an emergency, your insurance won't cover you.
  • Hospital treatments that Medicare doesn't cover. The Australian healthcare system is designed to get you the health care you really need but not necessarily services you merely want. So neither Medicare nor private health will cover you for many services that aren't medically necessary, like a face lift.

Best sign up deals for April 2024 from Finder Partners

Check the deals below before buying health insurance and you could save money on your premium - or get a reward for signing up.

Name Product

Join and earn up to 120,000 Qantas Points

Ends 28 May 2024

Plus, get 60-75% back on Extras (up to your annual limit) for tihngs like dental, physio and glasses costs. Eligibility criteria and T&Cs apply.

Get up to 8 weeks free

Ends 30 June 2024

When you join eligible cover by 30 June and stay with HCF. T&Cs Apply.

Get up to 8 weeks free

For new joins who maintain eligible combined hospital & extras. T&Cs apply. Learn more.

Want 6 weeks free and $500 in gift cards (couples/families) or $250 in gift cards (singles/single parents)?

When you join & maintain eligible Bronze Hospital+Extras or above. New members only. T&Cs apply.

Want a $50 gift card when you join & maintain eligible Extras?

Plus, get 2&6 month waits waived on extras. New members only. T&Cs apply.

Earn up to $760 in cashback and shopping rewards

Ends 28 March 2024

Improve your health and wellbeing and earn up to $760 in cashback and shopping rewards each membership year with AIA Health with AIA Vitality. T&Cs apply.

Get up to 8 weeks free + Waive 2 & 6 months waiting periods

Ends 30 April 2024

Join combined hospital & extras cover by 30 April 2024 for new members. T&Cs apply.


Why you can trust Finder's health insurance experts


We're free

Our health insurance engine is completely free to use. You pay the same as buying directly from the health insurer. Better still, we regularly run exclusive deals that you won't find on any other site.
expert advice

We're experts

We've researched and rated hundreds of policies as part of our Finder Awards. We've published 250+ guides and our in-house experts regularly appear on Sunrise, 7News and SBS News.

We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and you can compare nearly every health fund in Australia on the site (and find a better deal).

We're here to help

Since 2014, we've helped 350,000+ people find health insurance by explaining your options simply. We'll never ask for your number or email to see prices. We're here to help you make a decision.

More guides on Finder

  • Health insurance premium rates 2024

    Get the lowdown on what's happening, so you can get a better deal on your health insurance.

  • Frank Overseas Visitor Health Cover

    Frank Health Insurance provides Overseas Visitor Health Cover (OVHC) for 457, 482 and 485 visas. Find out if it has a policy that's right for you.

  • Health insurance for gastroscopy

    Need health cover for gastroscopy? Find out how private health insurance and Medicare cover treatment and compare the costs for the most affordable option.

  • ahm Health Insurance Review

    Review the various ahm health insurance options available and helps you decide whether any of its policies are what you need.

  • Medibank Health Insurance Review

    Medibank offers policy options to suit people with a wide range of needs and budgets.

  • Frank health insurance review

    Frank Insurance, owned by GMHBA, aims to make health insurance simple, easy to understand and affordable.

  • HCF health insurance review

    Looking for health cover? This article helps you by looking at HCF's health insurance options and lets you decide whether any of its policies are what you need.

  • Mental health: Medicare and private health insurance

    This guide looks at the cover that’s available for treating mental illness and how to shop for insurance when you have a mental health issue.

  • Health Insurance Victoria

    If you’re looking for private health insurance in Victoria, compare the most popular health funds in your state and how much it costs to take out cover.

  • Bupa health insurance review

    Bupa health insurance offers different levels of cover for better health services but also provides tax benefits and prevents government penalties.

Go to site