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Singles Health Insurance
Get the best value from your health insurance with singles options.
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Looking for singles health insurance? This page will tell you everything you need to know - whether it's your first policy or you're on the hunt for a better deal.
You can choose from hospital cover (in-hospital treatment and hospital costs), extras cover (such as the dentist or physio), or you can get a combined policy which covers both.
Compare singles health insurance
The table below shows some combined hospital and extras policies from Finder partners. All prices are based on a single policy with a $750 excess, so you'll be able to avoid the Medicare levy surcharge.
These options looked at a mid-range level of cover and price, with inclusions for common treatments such as dental.
*Quotes are based on single individual with less than $90,000 income and living in Sydney.
Start your search for the best singles health insurance
Fill in your details below to compare health insurance policies for singles. Prices start at around $80 a month for a combined hospital and extras policy.
What's in this article?
Jump to...What makes a singles health insurance policy the best?
A singles policy that meets your specific needs is what makes it the best. However, there are some general features you may want to check:
- Does the policy have exclusions or benefit restrictions on treatments and services?
- Does the policy have Access Gap cover to help reduce or eliminate out-of-pocket expenses?
- Does the policy add value with member discounts and incentives for signing up?
- Does the policy allow you to claim government rebates and avoid government penalties?
How do you decide what kind of cover is right for you?
No matter your life stage, the right kind of health cover you need depends on your general health, your lifestyle, your income and your personal preferences. Some examples include the following:
- If you play contact sports or extreme sports, such as skiing or parasailing, your risk of injury will be higher. In this case, you may be able to claim for accident treatment with hospital cover and physical therapies with extras cover.
- If you have a physical condition such as poor eyesight or bad teeth, extras cover will be much more valuable to you. Depending on your level of cover, you may be able to claim for major dental procedures and eye therapy.
- If you are a full-time student under 25, you may already be covered if your parents have a family health insurance policy in place.
Health insurance tips for singles
- Don't be afraid to switch. If you find a better policy with another health fund, don’t be afraid to switch. In many cases, you can transfer your benefits and any waiting periods served to your new fund.
- Know what the excess is. Avoid policies that have both an excess and a co-payment, or you could be made to pay a lump sum on admission to hospital and then a further sum for every day you’re there.
- Know what the gap is. Try and join a health fund with Access Gap cover, and check that your practitioner participates in it prior to treatment. Access Gap cover reduces, or in some cases, removes any out-of-pocket expenses you may incur.
- Don’t choose based on price alone. With health insurance for singles, you generally get the cover you pay for, so if it’s noticeably cheaper than other policies, chances are it doesn’t cover you to the same extent.
- Read the product disclosure statement (PDS). This outlines the terms, conditions and any exclusions that apply to your policy. If you don’t read the fine print, you may get a nasty surprise later on if you ever need to make a claim.
How can young singles benefit from cover?
Out of the two types of health insurance available, young people tend to lean more towards extras cover, which provides a more immediate return on investment by allowing them to claim for optical, dental and physio fees, which aren't covered by Medicare.
On the other hand, young singles often view hospital cover as a waste of money since they feel it's unlikely they'll require any hospital treatment until later in life. However, the statistics below tell a different story:
Some people choose to pair a cheap basic hospital policy with a higher level of extras cover. That way they are covered in the event of accidental injury and also for the commonly used out-of-hospital services mentioned above.
Is it worth taking out health insurance early as a single?
In addition to the benefits outlined above, there are some other incentives for taking out cover that some singles may not be aware of. The benefits of getting the best* health insurance for singles earlier rather than later include the following:
- Lifetime health cover loading. This is a 2% loading for every year you don’t have private hospital cover after turning 31. If you don't take out cover before then, your health insurance costs will start to rise.
- Medicare levy surcharge. If you're a single earning over $90,000 p.a., the government will charge you an extra 1% in tax if you don’t have hospital cover, 1.25% if you earn over $105,000 p.a. and 1.5% over $140,000 p.a.
- Government rebate. If you earn less than the threshold amount, you will receive a rebate for having private cover, either in the form of a premium discount from your fund or as a tax rebate.
Why do the young and single need health cover?
One common choice young Australians make when looking for cover is to opt for the cheapest policy available, which invariably is an extras-only policy. While the young and single may not be as susceptible to illness as the very young or old, they are susceptible (like everyone) to injury ... and maybe even more accident-prone.
Those aged between 15 to 34 make up a bulk of the hospital admissions into emergency departments each year. According to a study conducted by the Australian Institute of Health & Welfare (AIHW), in 2014-15 Australians in this age bracket accounted for 2,045,943 visits to the emergency room. Of that 1,031,769 were aged 15-24 and 1,014,174 were aged 25-34. That means the young accounted for almost 28% of all emergency department admissions.
What should you be looking for in a singles policy?
There are a number of reasons why you should take out private health cover when you're young and find the best health insurance for young singles.
It’s important for all Australians to choose a policy that is suited to their life stage. So if you’re a young and healthy single with no medical concerns, you may want to choose a policy that provides cover for the services you need and excludes the service you don’t use.
However, settling on these benefits is not always easy. As the AIHW statistics showed, more than 2.04 million Australians between the ages of 15-34 needed treatment in an emergency room in 2014/15. This means these people may have been able to benefit from having cover for emergency ambulance transport and treatment after the accident. But how else can young singles benefit from having health insurance?
Hospital benefits
The main advantages of singles hospital insurance over the public system are that:
- You have the choice of your own doctor
- You can stay in a private room
- You don't have to join a public waiting list for an elective surgery
Extras benefits
If you're happy to rely on the public hospital system but still want access to extras such as optical and physio, an ancillary (extras) policy may be the better option for you. Extras policies can be taken out for under $10 a week and can provide you with access to a range of extras including:
- Gym membership subsidies
- Swimming lessons and training
- Optical
- Remedial massage
- Acupuncture
- Physio
- Yoga
There are a range of broader health programs available and these benefits differ from fund to fund, so make sure you review the policy before making a decision to make sure you're getting the most out of your cover.
Getting off your parents' policy
There are several reasons why you might have to leave your parents' health fund including:
- Turned 25? Once you've turned 25 you will no longer be able to be listed as a dependant on your parents' policy.
- Finished studying? If you've graduated from your full-time studies, depending on the policy, you may no longer be able to be covered by your parents' health insurance. Some funds offer cover to adult dependants (as opposed to student dependants) up until the age of 25.
- Got a full time job? If you've found yourself full-time employment you may no longer be able to be covered by your parents policy if you're over 25 and no longer living at home.
- Got married? To be classified as a child, student or adult dependant with most health funds you need to be unmarried.
Can single parents be covered by a singles policy?
Unfortunately, they can't. In the past, single parents were forced to get cover under a family policy, which meant they would pay double what a single would pay on only one income. Happily, changes to government legislation in 2007 enabled health funds to offer premium reductions to single parents, making health insurance more accessible.
Be aware that the size of the reduction is up to the health fund (one might offer 10% and another 25%), so be sure to shop around to find out which ones are offering the highest discount. If you're a single parent who took out cover prior to 2007, make sure to check that you are receiving a reduction and if not, consider switching to another fund.
Health insurance sign up deals for October 2020
ahm Deals
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Get 6 weeks free + any 2 & 6 month waits waived on extras
Offer applies to new joins on hospital & extras by October 29. Get 6 weeks free after first 60 days.
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Coupon code ends
Medibank Health Insurance Deals
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Get 6 weeks free + Waive 2 & 6 months waiting period on extras
Join eligible combined hospital & extras cover by 31 October 2020 for new members.
Last verified
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Coupon code ends
PeopleCare Health Insurance Deals
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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
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PeopleCare Health Insurance Deals
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Get 6 weeks free + Waive 2 & 6 months waiting periods
Join hospital only or combined hospital & extras cover by 31st October 2020 for new members.
Last verified
VERIFIED
Coupon code ends
Qantas Health Insurance Deals
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Get up to 120,000 Qantas Points when joining or switching to Qantas health insurance
Offer applies when joining with hospital and extras cover by 13 December 2020. T&Cs apply.
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Get deal
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Deal ends
Health.com.au deals
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Get 6 weeks free
Offer applies when joining selected combined cover. Get 6 weeks free after 90 days. T&Cs apply.
Last verified
Get deal
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CUA Health Deals
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Get a $250 digital pre-paid Mastercard
When signing up for combined hospital & extras cover. T&Cs apply.
Last verified
Get deal
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Deal ends
AAMI Health Insurance Deals
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Get 4 weeks free
Offer applies when joining hospital + extras cover before 31 October 2020.
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Get deal
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Deal ends
HCF Health Insurance deals
HCF members can get loyalty rewards and discounts across Australian stores
Health fund members can claim 10% off Rebel gift cards, 5% off Woolworths gift cards & more.
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Suncorp Health Insurance Deals
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Get 4 weeks free
Offer applies when joining hospital + extras cover by 31 October 2020. T&Cs apply.
Last verified
Get deal
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Deal ends
Latest headlines
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Read more:
*The products compared on this page are chosen from a range of offers available to us and are not representative of all the products available in the market. There is no perfect order or perfect ranking system for the products we list on our Site, so we provide you with the functionality to self-select, re-order and compare products. The initial display order is influenced by a range of factors including conversion rates, product costs and commercial arrangements, so please don't interpret the listing order as an endorsement or recommendation from us. We're happy to provide you with the tools you need to make better decisions, but we'd like you to make your own decisions and compare and assess products based on your own preferences, circumstances and needs.
Picture: Lucas Lenzi, Alexis Brown - Unsplash
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Ask an Expert
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
Hi Theo,
Thanks for your question.
Even if you are already overseas, you may still be able to get a travel insurance that already include overseas medical assistance and hospital expenses. You can check our comprehensive guide and your options for travel insurance while already overseas on this page. You may request for a quote and check the coverage period available by clicking the “get quote” button on our page.
Cheers,
Anndy
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.
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 to subscribe to our newsletter, you can sign-up here.
Cheers,
Liezl
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.
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 quote comparison tool, once you have done, you should consider your own cover requirements and review the different benefits covered for policies by clicking on ‘more info’ option prior to taking out cover.
Cheers,
Zubair