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Health Insurance for Singles


You’re single, you’re busy and comparing your health insurance is probably not at the top of your priority list. You might not have the time to call different health insurers to compare policies, or the inclination to deal with confusing terminology on health insurance websites for the sake of saving a few dollars on your premiums.

Maybe you’re building up your career, or maybe you’re comfortably established and have a full life with friends, family, social life and work. While it might seem like a hassle, taking the time to find the best health insurance for singles is important if you want to safeguard your health and finances in the future.

Choosewell can help you find the best health insurance for singles, whatever your personal circumstances, age and medical history. We understand that you’re busy and you may have better things to do than spending hours on the phone talking about health insurance.

Give us a call and let us do the work for you. All it takes is a quick chat with one of our experienced advisors and we will compare health insurance for singles and find the policy that’s best for you.

I’m healthy – why should I review my private health insurance?

Australians are lucky enough to live in a country with access to free health care at any age but Medicare has limitations. Whilst there are a number of benefits, the scope of cover provided by Medicare is very basic and waiting lists can be long for hospital treatment and specialist care.

Most of us know this and that’s why we have private health insurance but many people neglect to review their policy on a regularly.

Health insurance shouldn’t be a set and forget process. While you may be healthy now, things can change very quickly, failing to update your cover to suit your current situation could leave you vulnerable to rising medical costs and availability of treatment.

If you find yourself facing an unexpected health issue, and you aren’t covered by health insurance, the costs can mount up, even for relatively minor medical treatment.

Ask yourself; Does the policy you took out five years ago match your health situation and needs now? Could you get better value by changing providers?

Many health insurance providers don’t take care of their customers. If it’s been some time since your insurer got in touch you may feel as if they’ve forgotten about you. Switching to an insurer who puts their customers first means that should you experience a medical crisis, there’s someone there to speak to you immediately.

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Safeguard your health over the long term

Taking a proactive approach to your health is essential if you want to ward off future problems and keep your medical costs lower over the long term. Did you know that as well as hospital cover, many policies offer extras cover to help you maintain a healthy lifestyle?

Depending on your policy you may be able to claim for:

  • Alternative therapies
  • Physiotherapy
  • Dental treatment, including cosmetic dentistry
  • Psychology
  • Occupational therapy
  • Optical, such as glasses and contact lenses

The right extras cover can save you money and give you access to preventative health care options you may not otherwise have so you can stay healthy and happy for longer.

Safeguard your finances

The right private health insurance can help you safeguard your finances in the future. Getting the best value for your premiums you can free up more cash now and ward off expensive medical bills if something should happen in the future.

While it may seem unlikely, if you do experience a significant medical issue, you may be unable to work for a period of time. Paying for the cost of treatment at a time when your income is also reduced can leave you financially vulnerable.

The right health insurance policy will give you the confidence of knowing that if the unexpected does happen, you won’t be financially crippled with medical costs at a time when you least need it.

How much coverage do I need?

While it can be tempting to buy the cheapest singles health insurance coverage you can find while you are healthy and don’t have any dependents, going without the right cover could leave you vulnerable in numerous ways.

Because so much is unknown in life it can be difficult to know exactly what type of cover will be right for you. If you’re young and healthy and not planning to start a family in the near future you may be able to get away with basic hospital cover and a few extras.

If you’re older or have some ongoing medical issues you might want to look at getting a more comprehensive policy so you can be confident knowing that you’re covered for any medical expenses and have access to any care you might need in the future.

While a more comprehensive policy will cost you a higher premium, if you need medical treatment than out of pocket expenses will be lower.

When you’re evaluating your medical insurance needs it’s important to plan for the future. Whatever policy you end up with there will be a 12-month wait for obstetrics which means that if you’re planning to start a family in the future you will need to sign up early. Waiting periods are usually in place for other treatments including dental, some therapies, optical and pre-existing medical conditions.

Remember, if you’re switching funds, you won’t need to re-serve waiting periods when you transfer to a cover with equivalent benefits… even if you have a pre-existing condition.

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I’m in a relationship – is a singles policy right for me?

You can stay on a singles policy if you are in a relationship or married. As a person in a recognised relationship you have the choice of taking out a couple’s policy or keeping your own separate singles policies.

While a couple’s policy is sometimes cheaper than two individual singles policies, you will need to look carefully at your options and shop around before making a decision.

It can be complicated evaluating your health insurance needs and finding the best policy for you. It’s always a good idea to do your research and compare as many policies as possible but this takes time.

Here at Choosewell, we can help you find the best private health insurance for singles so you don’t have to spend hours comparing policies. Call to speak to one of our advisors today!

  • Health insurance for singles
  • Health insurance for families
  • Health insurance for pregnancy
  • Health insurance for seniors
  • Health insurance for critical illness
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