Compare Single Parent Private Health Insurance
Looking for the right health insurance policy for your needs? The table below displays health insurance policies for single-parent families from our Online Partners.

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The initial results in the table above are sorted by Star Rating (High-Low) , then Monthly premium (approx) (Low-High) , then Provider Name (Alphabetical) . Additional filters may have been applied, which impact the results displayed in the table - filters can be applied or removed at any time.
What is single parent health insurance cover?
Single parent health insurance is a type of private health insurance designed specifically for one adult and their child or children. It differs from singles, couples, and family health insurance policies, in that it provides cover specifically for one adult and their dependent or dependents. It typically offers the same type of hospital and extras cover as a family policy, but is designed for households with one parent. This means you can access benefits for both yourself and your children—without paying for an additional adult on the policy.
What are the different types of single parent health insurance policies?
There are three different types of health insurance you can purchase in Australia:
Hospital cover: This type of cover allows you to be treated as a private patient in a private or public hospital. You’ll typically find four main ‘tiers’ to choose from when purchasing a hospital cover, Gold, Silver, Bronze and Basic.
Extras cover: An extras cover can help cover your out-of-pocket expenses for other health services, or ‘general’ services, such as dental, physiotherapy and optical (classes and contact lenses).
Combined hospital and extras cover: This includes both hospital and extras cover in the one policy.
How to find the best single parent health insurance?
There’s no one-size-fits-all policy when it comes to health insurance. The ‘best’ option for you will depend on your lifestyle, budget, and the level of cover you need. Here are a few key things to consider when comparing single parent policies:
- Consider what kind of cover you need: Decide whether you want hospital cover, extras cover, or a combined policy. Hospital cover helps with in-patient care, while extras cover can include things like dental, optical, and chiropractic visits.
- Consider whether you need ambulance cover: Not all policies include ambulance services. When comparing options, think about whether you need additional cover for emergency or non-emergency transport.
- Consider the annual limits: Some single parent or family policies have shared annual limits for extras. This means the total claimable amount is shared between you and your dependents. It’s worth reading the fine print to make sure these limits match your family’s needs.
- Check how long your children can stay on the policy: Many health funds let children stay on until they’re between 21 and 25, depending on whether they’re studying or financially dependent.
- Look for added incentives: Some insurers may also offer added perks like no-gap dental check-ups or, say, discounted glasses for kids. These extras can offer good value depending on your child’s age and needs. When taking out insurance, you could even ask the provider if they are willing to waive any of the two and six-month waiting periods on extras for you.
It’s worth remembering that different health funds offer varying levels of cover and features in a health insurance policy. Taking the time to compare options can help you find a policy that best suits your needs. It can also help to read the Product Disclosure Statement (PDS) carefully to avoid any surprises at a later stage.
If you’re looking for a single parent health insurance cover, the comparison table at the top of this page can be a good place to start. You may also find Canstar’s latest Health Insurance Star Ratings and Awards helpful to see which insurers have delivered ‘outstanding’ value to customers across Australia.
Frequently Asked Questions about Single Parent Private Health Insurance
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About our finance experts
Nina Rinella, Editor-in-Chief

Joshua Sale, GM, Research

As Canstar’s Ratings Manager, Josh Sale is responsible for the methodology and delivery of Canstar’s Health Insurance Star Ratings and Awards. With tertiary qualifications in economics and finance, Josh has worked behind the scenes for the last five years to develop Star Ratings and Awards that help connect consumers with the right product for them.
Josh is passionate about helping consumers get hands-on with their finances. Josh has been interviewed by media outlets such as the Australian Financial Review, news.com.au and Money Magazine.
You can follow Josh on LinkedIn, and Canstar on Twitter and Facebook.
Important information
For those that love the detail
This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.