Not every insurance policy is built for families. If youâre on your own, you donât want to pay for cover that doesnât make sense for your lifestyle. Singles health insurance is designed to give you the right balance of protection and cost, without the services youâll never use. Konkrd makes it simple: our AI scans thousands of singles policies and explains them in plain talk, so you can choose confidently.
Singles health insurance is health cover designed for people who arenât on a couples or family plan. Itâs tailored for one person and can include hospital cover, extras cover, or both. In short, it helps you:
Hospital cover helps you access private hospital care when you need it most. For singles, this means you donât have to rely on public waiting lists and you can choose your own doctor. Hospital cover usually includes:
Extras cover gives you benefits for everyday health needs that Medicare doesnât fully pay for. Think of things such as:
If youâre active and regularly use these services, extras can save you money. If not, a hospital only singles policy might be a smarter choice.
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.
“I donât 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 âwhat ifsâ 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.
Stay prepared for lifeâs surprises with health insurance that can cover unexpected surgeries.
Take out health cover before 31 to avoid Lifetime Health Cover (LHC) loading. If youâre over 31, health insurance can stop your LHC from rising.
If you earn over the income threshold, having private health insurance helps you avoid the Medicare Levy Surcharge.
Lower your costs for everyday healthcare needs including dental, optical, and physio treatments.
Health insurance helps reduce or eliminate waiting times when surgery is needed.
Having private health insurance gives you access to specialists who may not see patients without cover.
Any waiting periods youâve already served under your current health insurance plan will carry over, so you wonât have to start them again when you switch.
Switching health funds doesnât mean starting over-your waiting periods remain valid even if you change or stay with the same fund.
Tailor your policy to suit your current stage of life, ensuring youâre only paying for the cover you need.
Switching plans wonât affect your Lifetime Health Cover-youâll keep your status and wonât be charged additional loading.
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.
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Premiums as of April 2026
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 |
Be aware that singles policies can exclude:
The answer depends on your situation. For many people, Singles Cover is worth it if:
If these factors matter to you, then the answer is yes. If not, keeping or taking out cover remains a personal choice.
Our AI makes choosing singles health insurance simple
Compares policies from multiple insurers in seconds
Explains benefits and exclusions in plain English
Matches policies to your budget and lifestyle
Highlights tax and rebate savings you might miss
With Konkrd you can:
