*Prices are based on a single person living in Sydney earning less than $93,000 per year.
Below are a range of singles health insurance policies from Finder partners. Each tab lists extras, hospital or combined policies starting from the cheapest. All prices are based on a single individual with less than $93,000 income and living in Sydney.
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Health insurance comes in two types, hospital and extras. Private hospital insurance covers treatments performed in private hospitals, like a torn ACL or chemotherapy. Extras health insurance 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.
| Response | Male | Female |
|---|---|---|
| Combined | 35% | 30.46% |
The cost of private health insurance varies on the level of cover you need. Below are the average prices of a few different levels of cover, based on our analysis from January 2022 (based on single hospital policies from all states, $750 excess, with no surcharges or rebate applied).
If you're taking out a new policy or switching providers, you should check what health insurance deals and sign-up offers are available. For example, it's common for insurers to offer several weeks free if you sign up to a combined policy.
There's no one best health insurance that will suit all Australian singles. Instead, you'll need to consider a range of factors to decide if a particular policy is right for you.
For childbirth in a private hospital, you'll need a gold level hospital policy. You'll need it for at least 12 months before you can claim for childbirth, or for fertility treatments such as IVF.
Pregnancy health insurance is also found in higher level extras policies. They may include benefits for pre- and post-natal healthcare, such as birthing classes or lactation consultants.
Unfortunately, kids won't be covered under a single's policy. Instead, you have to look for a single parent health insurance policy.
Single parent policies will generally cost a little more than a comparable singles policy, but only for your first child. There's no additional cost for extras children. The overall cost will also be less than a comparable family health insurance policy.
While couples health insurance policies are available to purchase, they don't always offer the best value. You can generally save money by getting two separate singles policies instead, so that you don't pay for cover you don't need. For example, most men don't need cover for pregnancy, which you would be paying for with a couples policy.
If you have kids, you're probably better off getting a family policy. Your children will generally be covered for free this way.
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.
SPONSORED: If you're paying for health insurance, you want to make sure that you're getting the most out of your policy.
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