If you’re in the process of separating from your partner, here are a couple of things you should keep in mind regarding health insurance:
Luckily, you can compare a range of cover options in one convenient place. We present the options, and you can decide what matters most to you and your family. Whether it’s extras, hospital or combined cover, we can help you compare in just minutes.
Your health insurance can cover your children, but you’ll have to change to a single parent policy if you currently have singles health cover. If you’re looking to switch over, an easy way is by using our free health insurance comparison service.
Some health funds might offer policies just for your children. However, you should consider including yourself in any policy you purchase since your health is also important to your family. What’s more, most health insurance providers offer policies for single-income families, so it would probably be a simpler option than children-only cover.
Yes, private health insurance policies for single parents cost more than single adult policies. This is where single parent health insurance differs from a family policy, since couples can often add dependents at no additional cost. However, health insurance for single parents still typically costs less than a two-parent family policy.
This will depend on your policy, but your children can often stay on your single parent health insurance cover until they turn 21. However, some health funds allow dependants to stay on their parent’s policy for free until they’re 25+.
In some cases, your dependant child has to be studying full-time to be covered for the maximum age limit, so it’s a good idea to check with your health fund for the terms and conditions that apply to you.
By taking out private hospital or extras cover), you may be eligible to claim the Private Health Insurance Rebate, depending on your income. This rebate allows you to either receive a lower premium for your health insurance or claim a percentage of your premiums back at tax time.
To be eligible for the full rebate, you’ll have to earn less than $93,000 per year as a single (From 1 July 2023).