Where do I find cheap health insurance for singles?
Are you single and ready to mingle with affordable singles health cover?
Today’s your lucky day. At Frank, we believe that cheap health insurance for singles should be simple, accessible, and suited to your needs. It’s the reason we exist.
There’s a cheap singles cover to suit you
Accident Only Hospital (Basic) & Easy Extras
- Dental
- Physiotherapy
- Remedial Massage
- 100% back on Optical
- Emergency Ambulance Cover
- Upgraded cover in the event of an accident
Bronze Plus Hospital (Bronze+) & Everyday Extras
- Major Dental
- 100% back on Optical
- Health Maintenance
- Emergency Ambulance Cover
- Back, neck and spine
- Lung & Chest
Silver Hospital (Silver) & More Extras
- Major Dental & Orthodontics
- 100% back on Optical
- Health Maintenance
- Podiatry
- Emergency Ambulance Cover
- Heart and vascular system
- Implantation of hearing devices
* The price shown is per week and applies to a Single, aged 30, living in VIC. It excludes LHC loading and includes a Base Tier Government Rebate
| Extras services (when included on cover) |
|---|
| All extras benefits except as specified below. Waiting Period: 2 Months |
| Optical, home and domestic aids and medical aids. Waiting Period: 6 months |
| Major dental services (including full & partial dentures, orthodontics, crown & bridgework, endodontic services such as root canal, gold fillings, indirect restorations, surgical extractions of a tooth/teeth including wisdom teeth). Waiting Period: 12 Months |
| Health appliances including nebuliser pump, blood glucose monitor, pressure garments, sleep apnoea monitor, extremity pump, hearing aids, orthopaedic appliances (GMHBA approved), prostheses (GMHBA approved non-surgical), tens monitor, podiatry surgical procedures and orthotic appliances (foot). Waiting Period: 12 Months |
| Hospital services (when included on cover) |
|---|
| Accidents - bodily injuries resulting from accidents which occur after the date of joining GMHBA or upgrading to a higher cover. Waiting Period: No |
| Obstetrics and maternity. Waiting Period: 12 months |
| Pre-existing ailment, illness or condition (other than psychiatric, rehabilitation and palliative care). Waiting Period: 12 months |
| Any other benefit for hospital (or hospital substitution) treatment. Waiting Period: 2 months |
A pre-existing condition is one where signs or symptoms of your ailment, illness or condition, in the opinion of a medical practitioner appointed by GMHBA (not your own doctor), existed at any time during the six months preceding the day on which you purchased your hospital insurance or upgraded to a higher level of hospital cover and/or benefit entitlement.
A special waiting period applies to obtain benefits for hospital treatment for new members who have pre-existing conditions. The waiting period also applies to existing members who have recently upgraded their level of hospital cover. If the ailment, illness or condition is considered pre-existing:
New members
New members must wait 12 months for any hospital benefits (other than psychiatric, rehabilitation and palliative care).
Existing members (transferring or upgrading)
Members transferring/upgrading to a higher hospital cover must wait 12 months to get the higher hospital benefits (other than psychiatric, rehabilitation and palliative care).
Existing members (with at least 12 months membership)
Existing members with at least 12 months membership in total across their old and new cover are entitled to the lower benefits on their old cover.
Silver Hospital cover provides the same single room coverage as Gold Hospital, but co-payments of $100 per day up to a maximum of $700 per admission apply. Co-payments are not the same as hospital excess. Please note: Some private hospitals only have single rooms and co-payments will apply.
Co-payments do not apply.
Policies for singles don't have to drain your wallet. When it comes to cheap health insurance for singles, value means different things to different people. Simply going for the cheapest policy you find may not give the best bang for your buck. The trick is to choose the policy that suits both your needs and your budget. Take a look at both hospital and extras cover, ask yourself a bunch of questions about your health, your family's health, your lifestyle, and your expectations from health insurance. Consider waiting periods, excess, annual limits, benefits, out-of-pocket expenses, and dive into the details of the treatments on offer. This will give you a head start in finding real value.
Discover the benefits of hospital cover
Waiting in a long public queue is probably the last thing you want to do when you need elective hospital treatment. Our public hospital system is commendable, but having health insurance could help you bypass lengthy public waiting lists by choosing treatment in a private hospital. Three of our hospital policies cover treatments in private hospitals. Different policy levels will offer varying degrees of coverage. Health funds, including us, can provide cheap health insurance for singles that only covers treatment as a private patient in a public hospital. This can be an affordable option with low up front premiums.
When looking at cheap health insurance, think about any future medical needs you may have and make sure they are covered in your plan. For example, maternity coverage is a must if you're thinking about starting a family, especially considering the usual 12-month waiting period, which not all policies offer. If you have a family history of heart disease, you might want coverage that includes heart-related services. It's key to ask the right questions when comparing different policies and make sure that the policy fits with your individual lifestyle and budget.
Don’t forget about extras
When it comes to extras, cheap health insurance for singles doesn't mean settling for bad coverage. There's plenty of health cover options for singles which means you have choices, but it also means you'll need to wade through them all to find the best one for you.
Extras offer benefits for treatments and services outside of hospitals, such as dental, physiotherapy, chiropractic care, and optical needs. Frank's extras range makes it easy for you to choose between getting the same fixed amount back or a set percentage back each visit, up to your annual limits. This gives you simplicity and choice. Do your homework to understand which treatments are covered by each of our extras policies and what the waiting periods are on each of them.
Once you have done that, look at the annual limits and try and work out what treatments you think you will use most. From all this, you should be able to get a pretty good picture of which of our cheap health insurance covers for singles suits you best.
Single, young and penalty-free
Remember, the Australian Government wants as many young people as possible to take out private health insurance. They start by offering a rebate when you take out hospital cover. They have also created Lifetime Health Cover which results in a 2% penalty loading on top of your hospital premium if you don’t take it out before you are 31. Learn more here.
Want to find great value health cover for singles? Start looking here.
We get that you don’t want to pay any more than you have to. Being covered by Frank will give you peace of mind without breaking the bank.
Get extras cover and save 15% - 40%* off dental treatments with smile.com.au
*Savings may vary between dentists. It is recommended that members obtain a quote prior to treatment.
