Singles Health Insurance

Find a great private health insurance policy that fits your needs by comparing providers today. Multiple options to choose from without having to spend hours doing all the leg work.

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    Written by Clint Robinson, GoSwitch CEO
    Published 18 November 20247 mins read

    How does health insurance for singles work?

    Health insurance comes in two types, hospital cover and extras. Private hospital cover is for treatments performed in private hospitals, whereas extras cover is for treatments outside of hospital, such as physiotherapy, remedial massage, and general dental work. The two policy types can be combined for personalised health insurance cover. There are a range of private health cover options available for singles, making a GoSwitch health insurance comparison a smart first step. Questions worth asking GoSwitch include:

    • What is the level of hospital cover?
    • What extras services are available?
    • Is a private room included?
    • Are there waiting lists for new members?
    • Does health insurance cover out-of-pocket costs?
    • Are there aged-based discounts?

     

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    How much does singles health insurance cost?

    The cost of private health insurance in Australia varies according to the level of cover you choose. Below are examples of different levels of cover based on single hospital policies with a $750 excess and no surcharges or Australian Government rebates.

    Gold hospital policies had an average cost of $228.36 per month
    Silver hospital policies had an average cost of $179.72 per month
    Bronze Plus hospital policies had an average cost of $119.96 per month
    Basic Plus hospital policies had an average cost of $98.89 per month
    The average cost of an extras policy was $67.65 per month

    For up-to-the-minute health insurance prices from highly regarded health industry professionals, use the GoSwitch price comparison service. If you’re upgrading from the public system or switching providers as a private patient, it’s worth keeping an eye open for special deals and sign-up offers.

     

    What to look for in singles health insurance

    As an Australian single, you’ll need to consider a range of factors to decide if a particular policy is right for you.

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    The value of Benefits

    The value of Benefits

    Although sign-up incentives are attractive, it’s not worth paying for benefits you don’t expect to use. Reputable health insurers offer tiered options for all needs and budgets. GoSwitch singles health insurance can include hospital insurance, emergency ambulance cover, lifetime health cover loading, and your choice of health services provider for complete peace of mind.
    Health Insurance Limits

    Health Insurance Limits

    With extras health insurance, you have annual limits on the amount you can spend. If you have pre-existing conditions, make sure there is a high annual limit to cover your health needs.
    Waiting Periods

    Waiting Periods

    Use the GoSwitch search to look for the right cover with shorter waiting periods where you can. Waiting periods mean you won’t be able to claim for a set period after buying your policy.
    Health Insurance Cost

    Health Insurance Cost

    Your health is a valuable asset, making the right health cover a good investment. However, the most expensive health insurance isn’t necessarily the best for you. Don’t choose a policy that will over-stretch your finances. Consider gap cover to cover out of pocket expenses.
    Contract Flexibility

    Contract Flexibility

    Ask about setting up a new payment plan if you experience financial hardship. Find an insurer that provides flexible and upgraded public hospital services in regional Australia.

    Tips for getting the best singles health insurance

    Think about your needs

    Think about your needs

    Do you need high-level cover or just basic hospital cover? 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

    Shop around

    Don't just choose a policy because it's a name you’re familiar with. Different health funds charge different prices for hospital treatment. Compare online with GoSwitch health insurance and find a better deal.
    Mix and match

    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.
    Read the fine print

    Read the fine print

    There'll be terms and conditions in there that you should understand. Reading the fine print of the health insurance contract could save you money in the long run.
    Don't be afraid to ask

    Don't be afraid to ask

    If there's anything you're unsure of about a health fund or insurer, speak to a professional GoSwitch consultant. Most insurers also have Australian-based help centres or online chat systems where you can find an answer quickly.

    FAQs

    The best health cover depends on your individual needs and the insurance premiums (cost) and excess required to pay when making a hospital claim. Some health insurance products might be great for families, while others are better suited to seniors, singles or couples. GoSwitch can help you compare different policies to find the perfect fit for you.

    The cost of private health insurance varies depending on your age, the level of cover, and the for-profit health fund you go with. Some funds offer basic cover for a few hundred dollars a year, while others can cost a few thousand. It’s always best to compare different health funds and policies with GoSwitch to find the one that suits your budget and needs.

    You can split your health cover between two providers if you prefer. This could mean having hospital cover with one insurer and extras cover with another. GoSwitch can help you compare and combine different hospital policies to find the right mix for you.

    Dental coverage depends on your specific policy and level of extras cover. Many policies cover routine checkups and basic treatments, while some also cover major dental work like orthodontics. Use GoSwitch to compare policies and see what’s included in each.

    The best health insurance company for you will depend on your individual needs and the specific health services you’re looking for. Some companies excel in hospital cover, while others offer better value for extras. GoSwitch makes it easy to compare different companies and their offerings so you can find the one that’s right for you.

    Three types of health insurance for singles

    Best health insurance for singles looking to get pregnant. For childbirth in a private hospital, or pregnancy health insurance with post-natal healthcare, you'll need a gold level hospital policy. You will also need to wait at least 12 months before you can claim for childbirth or fertility treatments.
    Best health insurance for single parents. Kids and other dependents won't be covered under a single's policy. Instead, single parents should look for a single parent health insurance policy. Single parent policies generally cost a little more than a singles policy, but only for your first child. There's no additional cost for extra children. The overall cost will also be less than a family health insurance policy.
    Singles health insurance for couples. Couple’s health insurance policies don’t necessarily offer the best value. You can potentially save money by getting two separate singles policies, so you don't pay for cover you don't need. If you have kids, you're probably better off getting a family policy. Your children will generally be covered for free this way. Singles health insurance offers comprehensive hospital and treatment cover for complete peace of mind. Make the switch to singles health insurance with GoSwitch today!

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