Find the Best Health Insurance for Singles - Quick & Easy

Singles Health Insurance

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Finding the best health insurance for singles is easy. After all, you only have to choose what's right for you - not anybody else. This guide will help you do just that.

We'll explain the difference between hospital and extras cover, offer tips on getting a policy which fits your needs, and even share some deals so you can enjoy cheaper premiums.

Compare health insurance for singles

Every policy in this table will cover you for in-hospital and out-of-hospital healthcare. Plus, they all have a $750 excess, so you'll avoid the Medicare levy surcharge.

Data updated regularly
Name Product Hospital treatments Extras included Hide More Info Button Hide CompareBox Price per month Apply
Frank Freedom Saver Flexi-Bundle (Basic+)
    • 9 hospital services
    • Plus theatre surgery costs and shared or private room
    • Emergency ambulance
    • $700 combined extras limit
    • Plus 100% back on $150 Optical
$100.05
ahm lite flexi bronze plus
    • 24 hospital services
    • Ear, nose and throat
    • Joint reconstructions
    • Dental surgery
    • $800 Combined Routine dental
    • Physiotherapy
    • Chiropractic
$130.60
Get up to $100 off.
Medibank Bronze Everyday + Top Extras
    • 23 hospital services
    • Bone, joint and muscle
    • Eye (not cataracts)
    • Hernia and appendix
    • Ambulance services
    • $800 General dental
    • $200 Optical
$141.05
Get 6 weeks free + Waive 2 & 6 months waiting periods.
Peoplecare Bronze Hospital  & Mid Extras
    • 24 hospital services
    • Eye (not cataracts)
    • Pain management
    • Bone, joint & muscle
    • $200 Optical
    • $300 Pharmacy
    • Ambulance
$144
Qantas Silver Hospital + Lifestyle Extras
    • 32 hospital services
    • Emergency ambulance cover
    • Dental surgery
    • Palliative care
    • $600 General dental
    • $350 Physiotherapy
    • $300 Chiro & Osteo
$166.05
Earn up to 130,000 points when getting a combined health insurance policy.
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*Quotes are based on single individual with less than $90,000 income, living in Sydney and a $750 excess.

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How does health insurance for singles work?

Health insurance comes in two sections, hospital and extras. Hospital covers treatments performed in private hospitals, like a torn ACL or chemotherapy. Extras covers health treatments outside of hospital, such as dental appointments and prescription glasses.

You can buy these policies separately or together. So you can mix and match between different insurance companies if you like, or keep things simple and stay with one brand.

How much does singles health insurance cost?

That'll depend on the level of cover you get. The most basic hospital and extras policy will cost around $90 a month. More comprehensive policies could cost as much as $300 a month.

Individually, extras start at around $15 a month, reaching up to $135 a month. Basic hospital policies start at around $75 a month, reaching up to $195 a month.

Remember though, you can take advantage of deals and sign-up offers. For example, it's common for insurers to offer several weeks free if you sign up to a combined policy.

Is health insurance worth it for singles?

In lots of cases, yes. For extras policies, it's really easy to get more value out of your policy than you'd spend in premiums all year. You just have to be proactive about claiming.

With hospital insurance, you could actually save money by getting a policy. That's because if you're earning over $90,000 and don't have hospital cover, you're hit with the Medicare Levy Surcharge. That surcharge takes at least 1% of your salary or a minimum of $900 a year.

But it's possible to find a hospital policy which costs less than $900 a year. So you not only avoid the tax, you get cover too!

What to look for in singles health insurance

  • Benefits. Don't bother with benefits you won't use. You can use the tiers as a guide for hospital insurance but you have to dig a little deeper with extras.
  • Limits. For extras insurance, you'll have annual limits on the amount you can spend each year for different health categories. If dental is important to you, make sure there's a high limit.
  • Waiting periods. Waiting periods mean you won't be able to claim for a set period after buying your policy. They vary between extras policies, so look for shorter waiting periods where you can.
  • Cost. Cost shouldn't be your only consideration but it is an important one. Don't choose a policy that will over-stretch you. The most expensive isn't necessarily the best.
  • Gap Cover. Look for policies which offer gap cover. This means you're less likely to have huge out of pocket expenses for healthcare treatments.
  • Rebates. Check to see if your policy entitles you to government rebates. This could bring down the cost of your policy when it comes to tax time.
  • Discounts. Most funds offer sign-up deals for new customers. Keep an eye on these as it could reduce the overall cost of your policy or provide a decent incentive.
  • Flexibility. See if your insurer will let you pause premiums or set up a payment plan if you hit financial hardship. You never know what's going to happen

Tips for getting the best singles health insurance

  • Think about your needs. Do you need high-level cover or just the bare basics? Do you want pregnancy cover or anything that will exempt you from the Medicare Levy surcharge? Figure out what you really want before jumping in.
  • Shop around. Don't just choose a policy because it's the one your mum or best friend is on. Different health funds charge different prices. Compare online and you could find a better deal.
  • Mix and match. You don't have to get hospital and extras from the same fund. Splitting them up might take a little more time but you could create a package that's more customised to you.
  • Look for deals. Lots of funds offer sign-up deals to new customers. This could score you a reduction on your premium, a few weeks' free cover, or a decent gift card.
  • Read the PDS. There'll be terms and conditions in there that you should know. We know it's boring, but it's worth it. Plus, insurers have gotten better at writing them in consumer-friendly ways.
  • Don't be afraid to ask. If there's anything you're unsure of, get in touch with the health fund and ask. Most funds have Australian-based help centres or online chat systems where you can find an answer quickly.

Best extras insurance for singles

The best extras policy for you will be the one that matches your lifestyle. If you love the gym, look for a policy that covers membership costs. If you struggle with an ongoing injury, look for a policy with a high limit for physiotherapy.

Dental is consistently the most popular extras benefit. In the three months prior to September 2020, more than 11 million dental claims were made. Check out the table below to see which other extras benefits were particularly popular.

Treatment categoryNumber of claims
Acupuncture / Acupressure331,223
Ambulance48,359
Chiropractic2,364,222
Community, Home, District Nursing1,218
Dental11,093,106
Dietetics45,374
Preventative Health Products/Health Management Program112,907
Hearing Aids and Audiology19,570
Hypnotherapy455
Maternity Services1,818
Natural Therapies1,449,548
Occupational Therapy70,981
Optical2,566,869
Orthoptics (Eye Therapy)900
Osteopathic Services236,009
Pharmacy445,968
Physiotherapy2,929,551
Podiatry (Chiropody)686,481
Prostheses, Aids and Appliances95,634
Psych/Group Therapy110,013
Speech Therapy70,210
Theatre Fees188
Travel and Accommodation4,063

Best health insurance for singles - hospital

Gold hospital policies are the most comprehensive. They cover all 38 clinical categories, including pregnancy and weight loss surgery. But that doesn't mean gold is right for you.

Take a look at what's covered by the different health insurance tiers to get a better idea of which level of cover might be the most appropriate.

We couldn't find any data showing the number of claims per clinical category, but APRA does publish claims data by MBS block groupings. Take a look to get a better idea of which services are most often claimed.

MBS Speciality Block GroupingsNo gap agreementKnown gap agreementNo Agreement
Psychiatric attendances1,222,18531,47366,578
Intensive care and cardiopulmonary treatment150,9632,35720,740
Obstetrics and gynaecology obstetrics49,5097,6967,268
Anaesthesia1,628,433376,449112,793
General surgical operations200,57331,82488,692
Colorectal surgical operations123,42413,8519,611
Vascular surgical operations.17,0212,5262,500
Urology45,45715,8417,890
Cardio-thoracic surgical operations140,0799,14810,876
Neurosurgical surgical operations43,76126,5303,466
Ear, nose and throat surgical operations30,34623,5048,430
Ophthalmology surgical operations54,01413,3446,455
Plastic and reconstructive surgery25,6047,4427,405
Orthopaedic surgery57,07018,26513,923
Assistance at operations97,61225,58712,514
Diagnostic imaging services323,15157,707154,728
Pathology services3,279,86390,457317,697
All other items695,49629,36171,370
Total8,184,561783,362922,936

Best health insurance for singles looking to get pregnant

You'll need a gold level hospital policy for at least 12 months before you can claim fertility treatments such as IVF or benefits for pregnancy and childbirth.

Higher level extras policies may also include benefits for pre and post natal healthcare, such as birthing classes or lactation consultants.

You can read more about health insurance for pregnancy and childbirth here.

Best health insurance for single parents

Unfortunately, kids won't be covered under a single's policy. Instead, you have to look for a single parent or family policy.

Don't worry, you won't pay full price for a family policy if you're a single parent. Insurance companies reduce the price, but each brand reduces the cost by a different amount.

You can compare single parent policies from Finder partners using our search tool.

Best health insurance for singles with a pre-existing condition

All hospital policies have to cover pre-existing medical conditions after 12 months. You won't have to pay any more for your policy if you have a health condition either.

In some cases, pre-existing medical conditions might only have a two-month waiting period. This is typically reserved for mental health conditions, rehabilitation, and palliative care.

Cheapest health insurance for singles

Looking at Finder partners, the cheapest combined policy was ahm's starter flexi basic at $89.75 a month as of April 2021.

This policy comes with a $500 excess so it will exempt you from the Medicare Levy surcharge but does come with a relatively low level of cover.

Want to know more about cheap health insurance? Check out our page on budget cover.

Staying on your parents policy

If you're in your early twenties, check to see if you're still covered by your parents' health insurance policy. You might not need to buy your own just yet.

You can usually stay on your parents policy well past your childhood. For example, Medibank lets kids stay on their parents policy until they're 21 and CUA lets them stay until they're 23.

If you're in full-time study, you might be able to stay on even longer. In fact, from April 1, 2021, dependent kids will be able to stay on their parents' policy until they turn 31 - as long as they're not in a de facto relationship.

Deals for singles health insurance

Keep your eyes peeled for sign-up deals or offers. You could save hundreds of dollars just by joining a fund, or switching.

ahm Dealsahm Deals
VERIFIED

Get up to $100 when signing up to both hospital + extras

$100 for couples and families and $50 for couples. Offer applies for new joiners.

Last verified

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Coupon code ends

Medibank Health Insurance DealsMedibank Health Insurance Deals
VERIFIED

Get 6 weeks free. PLUS any 2 & 6 month waits on extras waived

Offer applies on eligible combined hospital & extras cover by 30 June. New members only. T&C's apply.

Last verified

VERIFIED

Coupon code ends

CUA Health DealsCUA Health Deals
VERIFIED

Get up to $400 e-gift card + Skip 2 & 6 month waiting periods

Offer applies when joining hospital + extras cover by 30 April 2021. New members only. T&C's apply.

Last verified

Get deal
VERIFIED

Deal ends

PeopleCare Health Insurance DealsPeopleCare Health Insurance Deals
VERIFIED

Get $100 gift card + 10% off on extras premium (with combined cover)

Join hospital only or combined hospital & extras cover for new members. T&Cs apply.

Last verified

Get deal
VERIFIED
Qantas Health Insurance DealsQantas Health Insurance Deals
VERIFIED

Get up to 130,000 Qantas Points

Earn up to 130,000 points on top policies, all policies earn Qantas Points. Offer applies for new joins only until May 24, 2021. T&Cs apply.

Last verified

Get deal
VERIFIED

Deal ends

AAMI Health Insurance DealsAAMI Health Insurance Deals
VERIFIED

Get $200 off when signing up to both hospital + extras

Offer applies for new joiners by 30 April 2021. T&Cs apply.

Last verified

Get deal
VERIFIED

Deal ends

HCF Health Insurance dealsHCF Health Insurance deals
VERIFIED

HCF members can get loyalty rewards and discounts across Australian stores

Health fund members can claim 10% off Rebel gift cards, 4% off Woolworths e-gift cards & more.

Last verified

Get deal
VERIFIED
HBF Health InsuranceHBF Health Insurance
VERIFIED

Get 4 weeks free

Get 4 weeks free after 60 days. Offer applies for hospital + extras combined policies.

Last verified

Get deal
VERIFIED

Deal ends

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6 Responses

    Default Gravatar
    TheoMarch 20, 2018

    Hi, I’m currently holidaying in Thailand and I would like to take out some health and accident insurance for 12 months.. I cant seem to find travel insurance because I’m already in Thailand.. Can you recommend anybody?

    Thanks

      Avatarfinder Customer Care
      DeeMarch 22, 2018Staff

      Hi Theo,

      Thanks for your question.

      Even if you are already overseas, you may still be able to get travel insurance that already includes overseas medical assistance and hospital expenses. You can check our comprehensive guide and your options for travel insurance while already overseas. You may request a quote and check the coverage period available by clicking the “Get quote” button on our page.

      Cheers,
      Anndy

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    KevaMay 18, 2017

    Hiya, I’m really glad I have found this info. Nowadays bloggers publish just about gossips and net and this is actually frustrating. A good blog with exciting content, that is what I need. Thanks for keeping this website, I’ll be visiting it. Do you do newsletters? Can’t find it.

      Default Gravatar
      LiezlMay 19, 2017

      Hi Keva,

      Thank you for your feedback. We are happy to hear about your positive experience with our website. Our team constantly endeavours to provide accurate and up to date information that will help our users make a more informed decision.

      Please feel free to browse around and have a good read. If you wish, you can also subscribe to our newsletter to receive important updates.

      Cheers,
      Liezl

    Default Gravatar
    JohnMarch 8, 2017

    Hello and I am with the Teachers health and my wife and I have top hospital and extras cover. I am over 65 and my wife is over 61. years of age. I am looking to have the same cover with as with Teachers Health but we do not need “pregnancy” cover that Teachers Health covers. but we do need all other cover options that Teachers Health does cover, eg. cardiac, glasses, acupuncture, massage , physio, knee /hip replacements etc.

      Avatarfinder Customer Care
      ZubairMarch 10, 2017Staff

      Hi John,

      Thank you for your question.

      finder.com.au is a comparison and information service and we are not permitted to provide our users with personalised financial advice or product recommendations.

      If you would like to compare policies from Australian health funds, please enter your details into the quote comparison tool. Once you have done this, you should consider your own cover requirements and review the different benefits covered for policies by clicking on the ‘more info’ option prior to taking out cover.

      Cheers,
      Zubair

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