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*Prices are based on a single individual with less than $97,000 income, $750 excess 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.
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 2023 (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.
While the cheapest of its class, a Basic health insurance policy offers very little value for the price. It will help you avoid the Medicare Levy surcharge, but you may have to pay high out of pocket costs whenever you do need real medical care. On the other hand, a bronze policy covers will cover a wide range of common hospital treatments at an affordable price and is a great entry point for new private health customers.
The cheapest Basic hospital policy you'll find will be around $77.50 per month, while Bronze policies start at roughly $86.34 per month.
Want to know more about cheap health insurance? Check out our page on budget cover.
Don’t have private hospital cover? You could be paying more tax than you need to, due to the Medicare Levy Surcharge.
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