Life stages in health insurance policies are all about finding the most suitable cover of value to you. So whether you’re young and single, or mature aged and married with kids – there are health insurance options for each stages of life.

As our needs and priorities change throughout our lives, why shouldn’t our health insurance? Our team of experts frequently speak to everyday Aussies who are under or over insured, and help them find the right cover for their circumstances.

What are the life stages in health insurance?

There are some key life stages most Aussies can be categorised into, and their individual needs vary considerably. The main life stages in health insurance are:

Young singles

Private health insurance for young singles gives you peace of mind, and may cost as little as a weekly gym membership. In an event where you injure yourself playing sport, having an appropriate level of cover may protect you from being left with hefty out-of-pocket expenses. Rather than potentially being stuck on a hospital waiting list, private health cover may give you access to quicker treatment in private hospitals, ensuring a speedier recovery for you to get back to what you love doing.


Health insurance options for cover on extras like dental checkups or low level cover hospital cover. Singles health insurance varies from basic cover to comprehensive, depending on your age and medical circumstances. Taking out cover before your 31st birthday will ensure you are not slapped with a 2% lifetime cover loading on health premiums every year after (capped at 70%)  provided you maintain continued health cover . When life continues to mature, so does your health, so taking out comprehensive cover may be an option to give you access to an array of features like treatment in private hospitals (depending on your level of cover).


Ideal cover options for Aussie couples who want the simplicity of being under one single policy, as opposed to two separate policies. While there are no guarantees your premium will be cheaper under one policy, the advantages of taking out couples health insurance are that you can be covered for common extras such as optical and dental, without claiming through two different policies. Each year after your 31st birthday, your health premiums will increase by 2% (capped at 70%) if you don’t already have private hospital cover and decide to take it out in the future.

Starting a family

Taking out a suitable level of cover in advance is always a good idea, especially when kids are on the horizon. This life stage of private health insurance may enable you to start claiming on things like prenatal classes and obstetrician fees, provided you have served your waiting periods. So if you’re keen on having a private hospital room with your choice of obstetrician, or claiming on doctor’s fees and labour ward costs, then choosing the right level of cover is a smart move before you start planning.


Family cover can give you the benefits of treatment in private hospitals. Having families extras cover can also ensure your loved ones have access to private benefits like orthotics from a podiatrist, or glasses from an optometrist, and subsidised medications or vaccinations.

Single parent families

Taking care of your family as a single parent can be less worrisome if you choose the right cover. Single parent health cover usually comes at a slightly lower price to family cover, so it’s important to focus on the cover with features your family needs, at a reasonable price. Hospital cover may help pay for things like private hospital accommodation, while extras cover may enable you to claim on your child’s glasses, physiotherapy, or orthodontics.

What is the difference between each life stage?

The difference between life stages depend on the level of cover you choose to take out. Some health insurance life stage choices that may be relevant to you:

If you are close to the age of 31 and don’t take out health insurance by 31 you may have to pay an extra loading if you require cover later on in life.
If you are planning on starting a family, you may want to consider adding obstetrics cover well before you fall pregnant. There’s a 12 month waiting period you’ll need to sit before you can be covered for obstetrics related services.
Young Aussies receive a government rebate on health insurance premiums, if you earn under $140,000 as a single or $280,000 as a family you are eligible for between 8.644%-34.579% depending on your age and income tier.
If your children’s eyesight is of concern, you may want to look into taking out an extras policy that covers them for optical.
If you’re over the age of 31 who requires medical treatment such as major dental, you may want to consider an appropriate level of cover that can contribute to the cost, reducing any out-of-pocket expenses.

Ultimately, everyone’s situation is different, but being able to choose the right level of private health cover that fits within your lifestyle (and budget) is important. That’s why you should always review your health policy according to your life stage, so that you can maximise value for services and treatment you (or your family) need.

Why you should compare policies with us

Compare the Market understands every Australian has different goals and circumstances, so matching the right level of private health cover is an important decision to make, regardless of your situation. For that reason, we give you a hand finding a policy that caters to your needs.

If you are confident you know which life stage you’ve reached, use our free health insurance comparison tool to explore a range of great value policies suitable to you. In just minutes you’ll be able to select a range of options that matter to you the most so you can compare the results, or alternatively, give one of our experts a call on 13 32 32. Simples.

So, what are you waiting for?

Call us on1800 304 709   or Compare Now