Single parent health insurance comparison
Could You Get More for Less From Single Parent Health Cover?
Complete the 60 second cover check to review hospital, extras or combined cover for you and your dependants, 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 single parents
Cover for you and the people who depend on you
Single parent cover can protect one adult and eligible dependants under one policy. The right balance depends on your household budget, preferred hospitals and the services you and your children are likely to use. Health Deal helps you review suitable options without focusing only on the headline premium.
Start my single parent cover check
Review your household premium
Consider whether your premium, excess and included benefits still offer a suitable balance. Savings depend on your circumstances and are not guaranteed.
Choose benefits your household may use
Focus on hospital categories and extras services that reflect your needs and those of the children or other dependants covered.
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 parent cover that fits your needs
You can choose hospital cover, extras cover, or both for yourself and your eligible dependants. Each option serves a different purpose, so start with the protection and everyday services that matter to your household.
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 household income and Australian Government rebate eligibility
- Eligibility and age limits for children and adult dependants
The cheapest single parent policy is not automatically the best value. Check that important services are included and that the policy structure suits you and every dependant you need to cover.
How Health Deal works
From single parent 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 parent cover options from participating funds.
Review the differences
Compare relevant premiums, benefits, excesses, limits and policy terms before deciding whether to switch.
Single parent health insurance questions
Single parent cover FAQs
What is single parent health insurance?
Single parent health insurance is a policy that can cover one adult and eligible children or other dependants. It may include hospital cover, extras cover, or both, depending on the policy selected.
Is single parent cover different from family cover?
Yes. Single parent cover generally includes one adult and eligible dependants, while family cover commonly includes two adults and eligible dependants. Definitions, eligibility rules and pricing can vary between health funds.
Can I add a newborn to a single parent policy?
Yes, but health funds have rules and timeframes for adding a newborn. Contact your insurer as early as possible so the baby can be added correctly and you can understand any waiting period implications.
How long can my children remain on the policy?
Age limits and eligibility for adult dependants vary between funds and may depend on whether the dependant is studying, working, married or otherwise eligible under the fund's rules. Confirm the current rules with the insurer.
Are single parents assessed under family rebate thresholds?
Single parents are generally subject to the family income tiers for the Australian Government private health insurance rebate. Your entitlement depends on income and other circumstances, so check the current rules or obtain tax advice where needed.
Do we need both hospital and extras cover?
Not necessarily. Hospital and extras cover different types of services. Consider your needs and the services your dependants may use, including dental, optical, physiotherapy, speech therapy and other eligible treatments.
Will we serve new waiting periods if we switch?
Waiting periods already served are generally recognised when moving to an equivalent or lower level of cover. Waiting periods may apply to new people, new benefits or upgraded cover. 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 parent health cover?
Complete the 60 second cover check or call Health Deal on 1300 369 399.