Singles Health Insurance

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

Here are a few policies from Finder partners that 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.

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Name	Product	Hospital treatments	Extras included	Hide More Info Button	Hide CompareBox	Price per month	Apply
ahm lite flexi bronze plus		24 hospital services Ear, nose and throat Joint reconstructions Dental surgery	$800 Combined Routine dental Physiotherapy Chiropractic			$130.60	1300 670 233 Go to Site More Info	Get 6 weeks free. PLUS any 2 & 6 month waits on extras waived.	Compare	loading Fetching your data...
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	Go to Site More Info	Compare	loading Fetching your data...
HBF Bronze Hospital Plus + Flex 50		28 hospital services Ear, nose and throat Joint reconstructions Dental surgery	$800 Combined extras limit Physiotherapy Chiropractic			$111.77	Go to Site More Info	Join HBF by 30 June 2021 on eligible Hospital and Extras cover and get 6 weeks free after 6 months. T&Cs apply.	Compare	loading Fetching your data...
HCF My Future Basic Plus		14 hospital services Ear, nose and throat Joint reconstructions Dental surgery	$600 Combined extras limit Physiotherapy Chiropractic			$94.45	Go to Site More Info	Get discounts on gift cards from Myer, Woolworths, Rebel & more.	Compare	loading Fetching your data...
Medibank Bronze Everyday + Top Extras		19 hospital services Bone, joint and muscle Eye (not cataracts) Hernia and appendix	Ambulance services $800 General dental $200 Optical			$141.05	1300 179 942 Go to Site More Info	Get 6 weeks free + Waive 2 & 6 months waiting periods.	Compare	loading Fetching your data...
Peoplecare Bronze Hospital & Mid Extras		24 hospital services Eye (not cataracts) Pain management Bone, joint & muscle	$200 Optical $300 Pharmacy Ambulance			$144	1300 717 481 Go to Site More Info	Finder Exclusive: Get 6 weeks free + Waive 2 & 6 months waiting periods.	Compare	loading Fetching your data...
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	1300 641 719 Go to Site More Info	Earn up to 110,000 points + Skip the waits for 2 & 6 month waiting periods.	Compare	loading Fetching your data...

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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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Get instant quotes for health insurance, just by entering a few details. Don't worry, we won't ask for any contact information, you'll simply get to compare policies with the click of a button.

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 December 2020, more than 11 million dental claims were made. Check out the table below to see which other extras benefits were particularly popular.

• Source

  Australian Prudential Regulation Authority (APRA) Private Health Insurance and Membership Benefits report December 2020.

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.

• Source

  Australian Prudential Regulation Authority (APRA) Quarterly Private Health Insurance Medical Services report December 2020.

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 Deals

VERIFIED

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

Offer applies for new joins on hospital and extras after the first 60 days by June 30. T&Cs apply.

Last verified 15 Jun 2021

Show code

VERIFIED

Coupon code ends 30 Jun 2021

Medibank Health Insurance Deals

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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 1 Jun 2021

Show code

VERIFIED

Coupon code ends 1 Jul 2021

CUA Health Deals

VERIFIED

Get up to $500 e-gift card + Skip 2 & 6 month waiting periods

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

Last verified 1 Jun 2021

Get deal

VERIFIED

Deal ends 30 Jun 2021

PeopleCare Health Insurance Deals

Exclusive

Get 6 weeks free + Waive 2 & 6 months waiting periods

Join hospital only or combined hospital & extras cover by 30th June 2021 for new members.

Last verified 3 Jun 2021

Show code

Exclusive

Coupon code ends 30 Jun 2021

PeopleCare 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 3 Jun 2021

Get deal

VERIFIED

Qantas Health Insurance Deals

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Get up to 110,000 Qantas Points + Skip the waits for 2 & 6 month waiting periods.

Get 60-75% back on extras up to your annual limit. Offer applies for new joins only until July 8, 2021. T&Cs apply.

Last verified 1 Jun 2021

Get deal

VERIFIED

Deal ends 8 Jul 2021

HCF Health Insurance deals

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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 1 Jun 2021

Get deal

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HBF Health Insurance

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Get 6 weeks free on eligible Hospital and Extras cover with HBF

Join HBF by 30 June 2021 on eligible Hospital and Extras cover and get 6 weeks free after 6 months. T&Cs apply.

Last verified 7 Jun 2021

Get deal

VERIFIED

Deal ends 30 Jun 2021