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Singles Health Insurance
Health insurance is available for singles, couples and families. Singles health insurance can be found from around $24
a week* for combined cover.
Who is this cover for?
No contact details required
Compare 30+ funds
Same price as going direct
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I'm Tim, your insurance expert.
Here to help you find the right cover for you!
Step 1/2 - About your cover
Which state do you live in?
QLD
NSW
ACT
VIC
TAS
SA
WA
NT
What's your age?
Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
rebate.
Under 65
65 - 69
70 or older
What's your household's taxable income?
This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
$93,000 and under
$93,001 to $108,000
$108,001 to $144,000
$144,001 and over
What kind of health insurance do you need?
Combined (Extras + Hospitals)
Extras
Hospital
What level of hospital coverage would you like?
You can change this at any time later.
Legend
Covered
Restricted cover, You may be partially covered for
this category.
Not covered. Optional for insurer to include.
*Prices updated July 2024, in line with Finder's database of health insurance policies. Prices reflect the cheapest available for a single individual with less than $97,000 income and living in Sydney with a $750 excess.
What extras cover do you need? (Optional)
Select as many as you want or move to the next step
Preventative & general dental
Major dental & implants
Optical
Physiotherapy
Podiatry
Non-PBS pharmaceuticals
Chiropractic
Emergency ambulance
Remedial massage
Email me my results (optional)
To get a copy of your results for later, add your email below
Singles health insurance is available for hospital and extras cover, or combined cover.
The cost of singles health insurance starts at $24
a week* for combined cover.
For couples without kids, getting 2 single health insurance policies is generally cheaper than a dedicated couples policy.
*Prices are based on a single person living in Sydney earning less than $93,000 per year.
Compare health insurance for singles
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.
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.
Finder survey: What kind of health insurance do Australians have?
Response
Male
Female
Combined
35%
30.46%
Source: Finder survey by Pure Profile of 1006 Australians, December 2023
How much does singles health insurance cost?
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).
The average cost of an extras policy was $67.65 per month
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.
What to look for in singles health insurance
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.
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.
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.
3 types of health insurance for singles
Best health insurance for singles looking to get pregnant
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.
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.
Singles health insurance for couples
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.
Why you can trust Finder's health insurance experts
You pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees.
You save time. We spend 100s of hours researching health insurance so you can sort the gold from the junk faster.
You can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.
Frequently asked questions
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.
If you're in your twenties, you may still be covered by your parents' health insurance policy, so you won't need your own singles policy just yet. You can usually stay on your parents policy until you're between 21 and 25, depepending on your parents' health fund. 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.
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 $93,000 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!
Tim Bennett is a Finder insurance & utilities expert. For over 10 years he's reported on news, politics, finance and other topics as a journalist and radio presenter. Tim's roles have included radio news reader and breakfast at the ABC, news producer for SBS and producer for Fairfax Media. Tim regularly appears as a health insurance expert on programs like Sunrise and SBS news, as well as in the Australian, The Daily Telegraph, The Courier Mail and more. See full bio
Tim's expertise
Tim has written 115 Finder guides across topics including:
Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio
Nicola's expertise
Nicola has written 237 Finder guides across topics including:
Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
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You pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees.
You save time. We spend 100s of hours researching health insurance so you can sort the gold from the junk faster.
You can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.