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Whether it's your first policy, or you're looking to switch - there are plenty of choices for singles health insurance.
You can choose from a Hospital Cover (in-hospital treatment and hospital costs), Extras Cover (such as the dentist or physio), or you can get a package that includes both.
Here you can find a few singles health insurance options from Finder partners. All prices are based on a single policy with a $750 excess. These options looked at a mid-range level of cover and price with inclusions for common treatments such as dental.
Compare singles quotes in just a few clicks.
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:
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:
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.
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:
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.
There are a number of reasons why you should take out private health cover 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?
The main advantages of singles hospital insurance over the public system are that:
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:
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.
There are several reasons why you might have to leave your parents' health fund including:
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.
Medibank Health Insurance Deals
Get 6 weeks free + Waive 2 & 6 months waiting period on extras
Join eligible combined hospital & extras cover by 31 July 2020 for new members.
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nib Health Insurance Deal
Get a Visa gift card up to $300 + Skip 2 & 6 month waiting periods
Offer applies when joining hospital + extras cover. Ends July 31, 2020.
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PeopleCare Health Insurance Deals
Get 6 weeks free + Waive 2 & 6 months waiting periods
Join hospital only or combined hospital & extras cover by 31 July 2020 for new members.
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AAMI Health Insurance Deals
Get 1 month free + Waive 2 & 6 month waiting periods
Offer applies when joining hospital + extras cover by 31 July 2020.
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Qantas Health Insurance Deals
Get upto 130,000 Qantas Points when joining or switching to Qantas health insurance
Offer applies when joining with hospital and extras cover by 31 July 2020. T&Cs apply.
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Suncorp Health Insurance Deals
Get 1 month free + Waive 2 & 6 month waiting periods
Offer applies when joining hospital + extras cover by 31 July 2020.
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Health.com.au deals
Get an eGift card upto $200
Offer applies on selected combined covers. Ends on July 31, 2020.
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ahm Deals
Get 1 month free + Skip 2 & 6 month waiting periods
Get 1 month free after 60 days. Offer applies for hospital + extras combined policies.
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*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.
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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