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Singles Health Insurance

What's the best* health cover for singles? Find out what you need to know to help you find the right cover.

This article discusses the factors that make a singles policy the best*, tips for getting maximum value out of your cover, how life stage can impact your singles health insurance requirements and the government incentives and penalties to be aware of.

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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 that all good singles policies should include:

How do you decide what kind of singles cover you need?

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 of could include:

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 your benefits and any waiting periods served can be transferred to your new provider.
    • 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.

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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, hospital cover is sometimes viewed as a waste of money since young people feel it's unlikely they'll require any hospital treatment until later in life. However, the statistics below tell a different story:

With this in mind, it could be worth pairing a cheap basic hospital policy with a higher level of extras cover. This way you are covered in the event of accidental injury and also for the commonly used out of hospital services mentioned above.

Health insurance features young singles should look out for

Health insurance typeFeatures
Extras cover
  • Access to no-gap dental or optical programs.
  • Healthy lifestyle benefits for services such as gym classes, yoga, pilates and natural therapies.
  • Cover for physical therapies (e.g. physiotherapy, chiropractic, remedial massage).
  • Cover for emergency ambulance transport (if taking out a standalone extras policy).
Hospital cover
  • Cover for accidental injuries that require hospitalisation.
  • Cover for emergency ambulance transport.
  • Ability to choose your own doctor.
  • Ability to avoid waiting queues for elective surgery.

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:

    • Lifetime Health Cover loading. This is a 2% loading for every year you don’t have private hospital cover after turning 31. If you take out cover before then, you will pay less for your health insurance for life.
    • Medicare Levy Surcharge. If you're a single earning over $90,000 pa, 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 pa and 1.5% over $140,000 pa.
    • 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 insurer or as a tax rebate.

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 mean't 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 could offer 10% and another could offer 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 provider.

Health insurance articles for other life stages

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* The offers compared on this page are chosen from a range of products finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.
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2 Responses to Singles Health Insurance

  1. Default Gravatar
    John | March 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.

    • Staff
      Zubair | March 10, 2017

      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.


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