Health insurance for singles

Looking for the best health insurance for singles? You can use the comparison table below to find the singles private health cover that best suits you.

GM, Research
Senior Content Production Specialist
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Basic+
$750
$103
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Join Directly On Eligible Cover & Get Up To 12 Weeks Free T&Cs apply. New members only. Ends 31 July. 12 weeks free applied over 2 years (3 years for annual payers).
Psychiatric services
Rehabilitation
General dental
Physiotherapy
Bronze+
$750
$146
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Earn up to 130,000 Qantas Points on sign-up. Points will be awarded over 6 months. Ends 15 August. Eligibility criteria and T&Cs apply.
Psychiatric services
Rehabilitation
General dental
Physiotherapy
Basic+
$750
$105
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Want up to 8 weeks free? For new joins by Aug 28 who maintain eligible combined hospital & extras. T&Cs apply. Learn more.
Psychiatric services
Rehabilitation
General dental
Physiotherapy
Bronze
$750
$135
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Waits on Dental? No way! 2&6 month waits waived on extras on combined hospital and extras cover.* Offer ends 17 August 2025. *T&C's apply.
Psychiatric services
Rehabilitation
General dental
Physiotherapy
Basic
$750
$109
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Want up to 12 weeks free & up to $500 in gift cards? Offer ends 15 July 2025. New members only. T&Cs apply.
Psychiatric services
Rehabilitation
General dental
Physiotherapy
Basic+
$750
$109
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Get up to 14 weeks FREE. For new members who join by 17 July and maintain hospital and extras cover. T&Cs apply.
Psychiatric services
Rehabilitation
General dental
Physiotherapy
Bronze+
$750
$110
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Winner of Canstar's Outstanding Value Health Insurance 9 years running and winner of more Canstar Awards than any other Health Fund in 2024.
Psychiatric services
Rehabilitation
General dental
Physiotherapy
Basic+
$750
$106
Psychiatric services
Rehabilitation
General dental
Physiotherapy
Basic
$750
$109
Psychiatric services
Rehabilitation
General dental
Physiotherapy
Bronze
$750
$123
Psychiatric services
Rehabilitation
General dental
Physiotherapy

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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.

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Get up to 14 weeks FREE. For new members who join by 17 July and maintain hospital and extras cover. T&Cs apply.
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Mix and match hospital & extras cover to suit your needs
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Australian Financial Services Licence 227681. See Terms & Conditions.
Australian Financial Services Licence 227681. See Terms & Conditions.

What is singles health insurance?

Health insurance for singles is a policy that covers only one person. It differs from couples, single parent and family health insurance policies, which cover multiple people under the one policy.

Unlike a couples, single parent or family policy, where all people are covered for the same things, a singles policy can be chosen based on one person’s specific needs. If you are a couple, there is also the option to consider taking out two separate singles health insurance policies so that each policy can be tailored to each person’s needs and desired level of coverage.

What are the different types of singles health insurance policies?

There are three different types of health insurance in Australia:

  • Hospital cover: allows you to be treated as a private patient in a private or public hospital. Hospital cover is offered in four main ‘tiers’, Gold, Silver, Bronze and Basic.
  • Extras cover: helps cover the cost of other health services, or ‘general’ services, such as dental, physiotherapy and optical (classes and contact lenses).
  • Combined hospital and extras cover: includes both hospital and extras cover in the one policy.

Frequently Asked Questions about Health Insurance for Singles

Since a singles health insurance is only for one person, you can be more selective when comparing and choosing your health insurance policy. This means you can look for and choose a cover that specifically includes what you want and don’t want to in your policy.

The cost of your singles health insurance will depend on your individual circumstances and policy needs. The cost of hospital cover generally increases as you age, but the cost of extras cover may not necessarily change with age.

Here are some factors that will affect the cost of the health insurance policy for singles:

  • Your age
  • Where you live
  • The health insurance fund/provider
  • The hospital cover tier level (from highest to lowest: Gold, Silver, Bronze and Basic)
  • The extras covers (instead of tier level, this will depend on the policy and provider chosen)
  • The health insurance excess amount

If you’re looking for the best health insurance for singles that suits you, it’s important to consider your own personal needs when comparing policies. As well as thinking about your life stage, you might also want to consider questions such as:

  • What level of hospital cover do you want (Gold, Silver, Bronze or Basic)?
  • Do you want extras cover? And what services do you want to cover for?
  • Do you have any pre-existing conditions insurers need to be aware of?
  • What’s your budget for premiums and any excess you choose?

Although costs are important, it’s equally essential to consider whether a policy has the right level of coverage for you. Cheaper policies might be tempting, but their level of cover can be less extensive and exclusions and restrictions can apply. When comparing health policies, it’s worth checking whether any restrictions apply to coverage and reading the terms and conditions carefully before committing to a policy.

Whether a couples health insurance will be better than taking out two separate singles policies will depend on your own individual circumstances. You may find that cost wise, the two options could be quite comparable. So you’ll likely find the decision to take out a policy for couples or singles to be ultimately circumstantial.

However, it’s worth factoring in the private health insurance rebate. The rebate is income tested and different thresholds apply depending on whether you are a single or a family (including couples).

Learn more: A guide to the private health insurance rebate

If you’re young and considering private health insurance, it could be worth considering some of the benefits of going private over public.

For example, with a private health insurance, you may be able to:

  • Avoid potentially long public hospital waitlists
  • Select a doctor, surgeon or specialist of your choice
  • Claim rebates on some non-Medicare covered extras (such as dental, optical and physiotherapy)

There may be other financial incentives to getting private health insurance too. These potential benefits mainly include:

  • Not paying Lifetime Health Cover loading: if you have not taken out a hospital policy by the time you turn 31, you are charged a premium loading if you decide to take out cover in the future.
  • Not paying the Medicare Levy Surcharge: a tiered charge is applied to Australian taxpayers who earn above a certain income and don’t have private hospital cover.
  • Policy discounts: some health insurers offer young Australians aged between 18 and 29 a private health insurance discount.
  • Government rebates: you might be given a rebate for having private health insurance if you earn less than a certain threshold amount.

Another factor to consider is whether you could stay on your parents’ private health insurance policy. Although you are allowed to stay on your parents’ health policy up to the age of 31, the federal government didn’t make this mandatory for health funds. So it may be worth checking with the health fund and weighing up the costs before committing.

Learn more: How long can I stay on my parents’ private health policy?

It’s also important to weigh up the potential drawbacks of getting private health insurance, including:

  • Overall cost: private health insurance can be expensive and premiums typically increase each year.
  • Out-of-pocket costs: your policy may only cover part of the cost of a treatment or service. This means you may still need to pay out-of-pocket.
  • Excluded treatments: policies may not cover every type of hospital treatment, procedure or service, and some may be offered on a restricted basis.

If you’re happy to be treated as a public patient in a public hospital and don’t think you would make regular claims on extras services, you may decide you do not need private health insurance right now.

Latest in health insurance

Canstar Star Ratings and Awards

Looking for an award-winning product or to switch providers or brands? Canstar rates products based on price and features in our Star Ratings and Awards. Our expert Research team shares insights about which products offer 5-Star value and which providers offer outstanding value overall. We also reveal which providers have the most satisfied customers in our dedicated Customer Satisfaction Awards.

Health Insurance Star Ratings and Awards

About the authors

Karen Yang, Senior Content Production Specialist

Karen Yang
Karen is a Content Producer at Canstar, working to help the company produce informative yet easy-to-digest financial content for Australian consumers. Karen has a background in allied health, having completed a Bachelor of Podiatry from the Queensland University of Technology. Karen recently embarked on a second career to rekindle her childhood passion for writing, while still maintaining her earnest intentions from her health professional background — to help the general public. In 2023, she completed a Graduate Certificate in Writing, Editing and Publishing at the University of Queensland. Karen strives to bring a fresh perspective and accurately represent the average consumer. When she’s not honing her writing skills or catching up on the latest world news, you may find Karen obsessing over her next potential mechanical keyboard build. You can connect with Karen via Linkedin.

Joshua Sale, GM, Research

Joshua Sale

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 Reviewnews.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.

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Canstar is not providing a recommendation for your individual circumstances. We cannot and do not recommend that any particular product is suitable for you. 

We provide links to our Online Partners. These are brands that may pay Canstar a fee for referring you. Our tables default to display only our Online Partners’ products initially, you can adjust the Online Partner Filter to see all of the products available for comparison on Canstar’s website. We provide these links so that you can click through to the product provider’s website to get more information. The provision of these links does not constitute a recommendation by Canstar.

Any advice on this page is general and has not taken into account your objectives, financial situation or needs. Consider whether this general advice is right for your personal circumstances. You may need advice from a qualified adviser. Canstar is not providing a recommendation for your individual circumstances. If you decide to apply for an insurance policy, you will deal directly with the provider, not with Canstar.  It’s important you check product information directly with the provider. Consider the Product Disclosure Statement before making a purchase decision. For more information, read our Detailed Disclosure.

The Health Insurance Star Ratings were awarded in November 2024 and data in the table is current as at that date, updated from time to time to reflect product changes notified to us by product issuers. The results don’t include every provider in the market and we may not compare all features relevant to you. You can find a description of the initial sort order below the table. You can use the sort buttons at the top of each column to re-order the display. Learn more about our Health Insurance Star Rating Methodology. The rating shown is only one factor to take into account when considering products.

The products and Star Ratings in the table might not match your exact inputs in the selector. Sometimes the methodology uses profiles with categories or bands (e.g. income, loan amount or monthly spend), but sometimes a single methodology, without any categories or bands, is applied. The results will show the products that most closely match your selection, based on our profiles. If you are unsure about any terms used in the comparison table please refer to the glossary.

Companies listed in the table, or in ads, may use or be used by another company to arrange, issue, distribute or sell its insurance policies to customers. For more information on the issuer of the policy, please read the Product Disclosure Statement.

If you are seeking to replace an insurance policy, you should consider your personal circumstances, including continuing the existing cover until the replacement policy is issued and cover confirmed. Your current policy may have different features to products currently on the market. Please consider what features are right for you when comparing insurance products and refer to the provider for further details on a policy.

What is a Target Market Determination?

A Target Market Determination (‘TMD’) is a document that explains which people particular financial products may be suitable for (the target market) and sets out any conditions around how financial products can be distributed to consumers.

Why do product issuers provide Target Market Determinations?

From 5 October 2021, TMDs are compulsory for most financial products.

Issuers and distributors of financial products must take reasonable steps that are likely to result in financial products reaching consumers in the target market defined by the product issuer.

We recommend that you consider the TMD before making a purchase decision. Contact the product issuer directly for a copy of the TMD.