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Best Health Insurance for Singles

Purchasing health insurance when you’re single is a wise decision for several reasons. Firstly, having health insurance provides you with financial protection in the event of unexpected medical expenses. It safeguards you from bearing the full burden of healthcare costs, which can be substantial without insurance coverage.
Fact Checked

Updated: 22 May 2024

Secondly, health insurance gives you greater control and flexibility over your healthcare choices. You can choose your preferred doctors, specialists, and hospitals, ensuring that you receive personalized care. Additionally, health insurance allows you to bypass long waiting periods for elective surgeries, reducing the time it takes to receive necessary treatments.

Key facts

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Why You Need Health Insurance as a Single Person

While the public healthcare system in Australia provides essential medical services through Medicare, there are several reasons why having private health insurance is beneficial for singles:

Choice and Flexibility

Private health insurance allows you to choose your preferred doctors, hospitals, and specialists. It provides greater control and flexibility over your healthcare decisions.

Timely Access to Services

With private health insurance, you can often bypass long waiting periods for elective surgeries and receive prompt treatment. This can be particularly important if you value quick access to healthcare services.

Comprehensive Cover

Private health insurance offers additional coverage beyond what is provided by Medicare. It can include benefits such as dental care, optical services, physiotherapy, and alternative therapies, catering to your specific needs.

Extras Cover

As a single person, you may benefit from extras cover that includes services like dental, optical, and allied health treatments. These additional benefits can help you maintain overall well-being and manage specific health concerns.

Compare singles policies

Policy Type
Monthly Premium Range (Approx.)
Key Features
Basic Hospital Cover
$110.54
Essential hospital coverage for common treatments and procedures
Bronze Hospital Cover
$119.65 – $123.68
Higher level of hospital benefits, including rehabilitation and psychiatric care
Silver Hospital Cover
$157.08 – $219.25
Comprehensive hospital coverage, including joint replacements and major surgeries
Basic Extras Cover
$18.60 – $29.97
General extras coverage for dental, optical, and physiotherapy services
Mid-level Extras Cover
$46.21 – $100.12
Wider range of extras services, including major dental treatments and natural therapies

Source: Privatehealth.gov.au (Premium estimates for a single individual in NSW purchasing cover from nib)

Factors to Consider When Choosing a Health Insurance Plan

Frequently Asked Questions and Answers

No, health insurance is not mandatory for singles in Australia. However, having health insurance can provide peace of mind and additional benefits beyond what is covered by the public healthcare system.

Yes, you can typically retain your health insurance plan when changing jobs. Most private health insurance policies are portable and allow you to transfer your coverage seamlessly. However, it’s essential to notify your insurance provider about any changes to your employment status.

Yes, you can switch health insurance providers if you are not satisfied with your current plan. However, ensure you compare policies thoroughly and consider waiting periods and potential gaps in coverage before making the switch.

Health insurance policies may have waiting periods for pre-existing conditions, ranging from 12 months to several years. Once the waiting period is over, the insurance will generally cover treatments related to pre-existing conditions.

Yes, most health insurance providers allow you to adjust your level of coverage based on your changing needs. You can upgrade or downgrade your plan to match your requirements, but be mindful of waiting periods that may apply to new benefits.

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Specialist

Megan has extensive experience writing about health and life insurance in Australia. Megan has a special interest in health and wellness. She relies on her background in counselling psychology to convey the latest findings in a manner that is most beneficial to ComparingExperts readers. In every article she writes, Megan aims to uphold the standards of the Private Health Insurance Intermediaries Association (PHIAA) which ComparingExpert is part of.

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