Not every insurance policy is built for families. If you’re on your own, you don’t want to pay for cover that doesn’t make sense for your lifestyle. Singles health insurance is designed to give you the right balance of protection and cost, without the services you’ll never use. Konkrd makes it simple: our AI scans thousands of singles policies and explains them in plain talk, so you can choose confidently.
What is Singles Health Insurance?
Singles health insurance is health cover designed for people who aren’t on a couples or family plan. It’s tailored for one person and can include hospital cover, extras cover, or both. In short, it helps you:
- Avoid long waits in the public system
- Get money back on everyday health services, like dental, optical, etc
- Reduce tax bills if you earn over the Medicare Levy Surcharge threshold
- Helps you take care of those unexpected life events when you need it
Hospital Cover for Singles
Hospital cover helps you access private hospital care when you need it most. For singles, this means you don’t have to rely on public waiting lists and you can choose your own doctor. Hospital cover usually includes:
- Private hospital accommodation
- Certain surgical and medical treatments, matched to your needs
- Access to elective surgery without long delays
- Protection against big, unexpected bills
Extras Cover for Singles
Extras cover gives you benefits for everyday health needs that Medicare doesn’t fully pay for. Think of things such as:
- Dental check-ups and treatments
- Glasses, contact lenses, and optometry
- Physio, chiro, and other allied health services
- Psychology and wellbeing services like massage and acupuncture
If you’re active and regularly use these services, extras can save you money. If not, a hospital only singles policy might be a smarter choice.
Benefits of Singles Health Insurance
Singles health insurance gives you flexibility and peace of mind, knowing you are protected if the unexpected happens. With private hospital cover in place, you have a safety net to avoid long public waiting lists and get treatment when you need it.
Daniel, 36, Sportsmen
The Situation
Daniel injures his knee during weekend footy and needs surgery
Without insurance: Wait months for surgery.
With Health Insurance
- Surgery within weeks
- Reduces stress during medical emergencies.
- Affordable protection with simple management.
"I don't pay for insurance because I enjoy spending money. I value having protection when something goes wrong. With my private cover, I can get back to the gym and footy faster instead of waiting months."
Singles do not take out health insurance for the sake of it. They do it to protect themselves against the “what ifs” of life and to make sure they are covered when they need it most.
Singles often have different health needs, so taking out two singles policies can sometimes be smarter than both paying for the same cover.
Unexpected surgery cover
Stay prepared for life's surprises with health insurance that can cover unexpected surgeries.
Avoid or reduce LHC
Take out health cover before 31 to avoid Lifetime Health Cover (LHC) loading. If you're over 31, health insurance can stop your LHC from rising.
Save on extra tax
If you earn over the income threshold, having private health insurance helps you avoid the Medicare Levy Surcharge.
Lower everyday health costs
Lower your costs for everyday healthcare needs including dental, optical, and physio treatments.
Reduce surgery wait times
Health insurance helps reduce or eliminate waiting times when surgery is needed.
Access more specialists
Having private health insurance gives you access to specialists who may not see patients without cover.
Waiting periods carry over
Any waiting periods you've already served under your current health insurance plan will carry over, so you won't have to start them again when you switch.
Keep waits when switching
Switching health funds doesn't mean starting over-your waiting periods remain valid even if you change or stay with the same fund.
Tailor cover to needs
Tailor your policy to suit your current stage of life, ensuring you're only paying for the cover you need.
Maintain Lifetime Health Cover
Switching plans won't affect your Lifetime Health Cover-you'll keep your status and won't be charged additional loading.
How Much Does Singles Cover Cost?
The cost of singles health insurance varies depending on your age, state, and level of cover. Basic hospital only policies can start from under $20 a week, while more comprehensive hospital + extras policies cost more.
- Hospital only: Cheaper, covers hospital stays and surgery.
- Extras only: Affordable, but doesn’t protect you in hospital.
- Combined: More expensive, but broader protection.
Average Premium by State
Premiums as of May 2026
How Much Does Hospital Cover Cost?
Average monthly hospital cover premium for single
Singles Cover vs Couples Cover
Singles cover is designed for one. Couples cover is simply two singles policies bundled together, sometimes with a small discount, sometimes not.
Key Differences
| Aspect | Singles Cover | Couples Cover |
|---|---|---|
| Who it covers | One person only | Two people |
| Policy management | Individual policy | Joint policy |
| Premium cost | Standard rate | Potential discount |
| Coverage flexibility | Full personal control | Shared management |
Premiums as of May 2026
Common Exclusions in Singles Policies
Be aware that singles policies can exclude:
- Some elective or cosmetic procedures
- Specific extras services if you pick a budget plan
- Ambulance cover (not always included by default)
Do You Need Singles Health Insurance?
The answer depends on your situation. For many people, Singles Cover is worth it if:
- You want protection against life’s unexpected events.
- You plan to claim on extras services to reduce out-of-pocket costs.
- You want to avoid additional taxes and penalties like the Medicare Levy Surcharge or Lifetime Health Cover loading.
If these factors matter to you, then the answer is yes. If not, keeping or taking out cover remains a personal choice.
✧ Konkrd AI