Health insurance for single parents

Average customer rating: 4.3/5
Written by Joshua Malin
Reviewed by Steven Spicer
Updated 9 May, 2024

Do I need single parent health insurance?

Health insurance for single parents can ensure that you and your children have access to both private hospital services and out of hospital extras services. With a health insurance policy, you can take advantage of great benefits such as:

  • Cheaper private hospital visits and the ability to avoid public waiting lists
  • A choice of treating doctor and your own private room (subject to availability)
  • Claiming a rebate on a range of out of hospital services that Medicare doesn’t pay a benefit towards

Choosing cover as a single parent

If you’re a single parent looking for the right cover for you, one of the best things you can do is compare your options. With that in mind, here are some things you might want to look for while you browse:

  • There are some policies that have added benefits for children, like no excess hospital admissions or no gap dental for kids.
  • If you don’t already have a separate ambulance cover policy or subscription, you may want to consider whether you need a policy that includes cover for non-emergency and/or emergency ambulances.
  • Some family policies include annual policy limits for certain extras. This means the claim limit is shared by everyone covered on the policy.

Expert tips for finding the right single parent health insurance

Our health insurance expert, Steven Spicer, has put together some tips on how to find great value cover for single parent policies.

Steven Spicer
Executive General Manager – Health, Life & Energy

Shop around and do your research

Prices vary from fund to fund and there are plenty of cover options to choose from. If you need assistance, speak to one of our experts, as they’re here to help.

Tailor your excess

An excess is an amount that you agree to pay towards the cost of hospital treatment in exchange for lower premiums. The great news is some products don’t charge an excess for a dependant if they’re admitted to hospital. This is only available on eligible hospital policies, so it’s best to speak to an expert or your health fund for more information.

Check how long dependants can be covered

Some health funds will allow your dependants to stay on your policy longer than others, with a few covering your dependants until they’re 31, even if they’re not studying full time. Depending on your dependents’ age and situation, keeping them on your policy may cost more.

Types of health insurance

Hospital cover

Extras cover

Costs and rebates

Do single parents pay extra for health insurance?

Can I get rebates for my single parent health insurance?

More information

What should I do if I’m separating from my partner?

Are my children covered under my singles health insurance?

Can I get health insurance just for my children?

How long does my single parent health insurance cover my children?

Meet our health insurance expert, Steven Spicer

Steven Spicer
Executive General Manager – Health, Life & Energy

As the Executive General Manager of Health, Life and Energy, Steven Spicer is a strong believer in the benefits of private cover and knows just how valuable the peace of mind that comes with cover can be. He is passionate about demystifying the health insurance industry and advocates for the benefits of comparison when it comes to saving money on your premiums.

1 Australian Government Department of Human Services. Child Dental Benefits Schedule.