Single health insurance comparison
Could You Get More for Less From Single Health Cover?
Complete the 60 second cover check to review single hospital, extras or combined cover with expert help from Health Deal.
- ✓9 participating health funds
- ☎Expert help by phone
- ✓No obligation to switch
Health Deal compares policies from a panel of participating health funds.
Compare suitable options from 9 participating health funds
Health Deal compares policies from participating funds, not every health fund or policy available in Australia.
Health insurance for singles
Cover built around one person: you
Single health insurance can be simpler than family cover, but the right balance still depends on your age, lifestyle, budget and the services you want. Health Deal helps you review suitable options without paying attention only to the headline premium.
Start my single cover check
Review your premium
Consider whether your premium, excess and included benefits still offer a suitable balance. Savings depend on your circumstances and are not guaranteed.
Choose useful benefits
Focus on the hospital categories and extras services that matter to you, rather than paying for benefits you are unlikely to use.
Get expert help
Speak with a Health Deal specialist who can explain suitable options from participating Australian health funds.
Hospital, extras and combined cover
Choose the type of single cover that fits your needs
You can hold hospital cover, extras cover, or both. Each option serves a different purpose, so the best starting point is understanding what you actually want your policy to do.
Hospital cover
Hospital insurance can contribute towards treatment as a private patient, subject to inclusions, restrictions, waiting periods and excess.
- Basic, Bronze, Silver or Gold
- Review clinical categories
- Compare excess options
Extras cover
Extras can pay benefits towards selected out of hospital services, with limits and recognised providers varying between policies.
- Dental and optical
- Physiotherapy and chiropractic
- Compare limits and rebates
Hospital and extras
Combined cover brings hospital and extras together. Value depends on balancing the premium with services you expect to use.
- One combined review
- Balance cost and benefits
- Compare suitable panel options
What to compare
Look beyond the monthly premium
- Hospital categories, restrictions and exclusions
- Excesses and any co-payments
- Extras limits, rebates and recognised providers
- Waiting periods when adding or upgrading cover
- Your income, age and possible government incentives
- Whether the policy suits your lifestyle and future plans
A cheaper policy is not automatically better, and broader cover is not automatically more suitable. The right balance depends on your individual needs.
How Health Deal works
From single cover check to comparison call
Tell us what matters
Complete the guided cover check with your current fund, cover preferences and the services important to you.
Speak with Health Deal
A specialist calls to understand your needs and discuss suitable single cover options from participating funds.
Review the differences
Compare relevant premiums, benefits, excesses, limits and policy terms before deciding whether to switch.
Single health insurance questions
Single cover FAQs
What is single health insurance?
Single health insurance is a policy covering one adult. It may include hospital cover, extras cover, or both, depending on the policy you choose.
Do I need both hospital and extras cover?
Not necessarily. Hospital and extras cover different types of services. Your choice should reflect the services you value, your budget and any tax or Lifetime Health Cover considerations relevant to you.
Can private hospital cover help with the Medicare Levy Surcharge?
An appropriate level of private patient hospital cover may help eligible taxpayers avoid the Medicare Levy Surcharge. Eligibility depends on income, family circumstances and whether the policy meets Australian Government requirements. Seek tax advice for your circumstances.
What is Lifetime Health Cover loading?
Lifetime Health Cover loading may increase hospital premiums if you first take out hospital cover after the relevant age. The rules depend on your age and previous cover history.
Will I serve new waiting periods if I switch?
Waiting periods already served are generally recognised when you switch to an equivalent or lower level of cover. Waiting periods may apply to new or upgraded benefits. Confirm the applicable terms before switching.
Does Health Deal compare every Australian health fund?
No. Health Deal compares suitable policies from a panel of participating health funds, not every policy or health fund available in Australia. Available options depend on your circumstances and panel availability.
Is the Health Deal comparison free?
There is no charge to request a comparison through Health Deal. Health Deal may receive a commission from a participating health fund if you purchase a policy.
Ready to review single health cover?
Complete the 60 second cover check or call Health Deal on 1300 369 399.