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Best Health Insurance for Singles

Megan Fraser Fact Checked Updated: 20 November 2023
Types of Health Insurance

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.

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

  • Health insurance is crucial for singles to gain financial protection and control over healthcare decisions.
  • Premiums vary based on policy type, coverage level, age, location, and government rebates.
  • Evaluate coverage options, premiums, excess amounts, waiting periods, and extras cover when choosing singles health cover.

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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:

Best Policy Options for Singles

When it comes to choosing the best health insurance policy for singles, it’s important to consider your specific requirements and budget. As a single person, you may not require coverage that is as comprehensive as what a family would need.

Hospital Cover Options for Singles:

Extras Cover Options for Singles:

How much does singles cover cost?

The cost of health insurance for singles can vary based on factors such as the chosen policy type, level of coverage, age, location, and government rebates. Basic hospital cover tends to have lower premiums compared to comprehensive cover, and age can influence the cost, with premiums often increasing as you get older. Your location and the chosen excess amount can also affect the cost. It’s important to obtain personalized quotes from different providers to compare costs and consider the value and benefits provided by the policy. Regularly reviewing your coverage ensures it aligns with your needs as a single individual.

Compare singles policies

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

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

Factors to Consider When Choosing a Health Insurance Plan

When selecting a health insurance plan as a single individual, several factors warrant careful consideration:

Frequently Asked Questions and Answers

  • Is health insurance mandatory for singles in Australia?

    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.
  • Can I keep my existing health insurance plan if I change jobs?

    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.
  • Can I switch health insurance providers as a single individual?

    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.
  • Will health insurance cover pre-existing conditions?

    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.
  • Can I change my level of coverage within my health insurance plan?

    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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