Cheap health insurance for single parents
Looking for health insurance for one parent and any number of kids? Frank’s got plenty of cover options for single parents.
6 weeks free + skip 2 & 6 month waits on extras* when joining on combined cover.
*For new members who have not been a member during the last 12 months, joining on combined hospital and extras cover, paying by direct debit. Must pay first month to receive offer. Other waits (including hospital waits), annual and sub limits apply. Extras claims made with a previous fund count towards annual limits. Offer only available via Frank website or phone joins. Not available with any other offer or Frank OVHC. Frank may end this offer at any time without notice.
The lowdown on single parent private health insurance
We know families come in all shapes and sizes, just like family cover—single parent private health insurance offers the same great range of cover, but specifically for one parent and any number of kids. Frank’s flexible plans ensure that you and your little one/s have access to the care you deserve.
Affordable hospital cover for single parents
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Emergency ambulance
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Dental surgery
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Joint reconstructions
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Emergency ambulance
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Bone, joint & muscle
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Digestive system
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Emergency ambulance
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Heart & vascular system
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Implantation of hearing devices
* The price shown is per week and applies to a Single Parent, 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.
Single parent cover vs family cover
With single parent health insurance, you get the perfect balance of affordability and flexibility. Covering one adult and any number of kids, it’s designed to fit your family’s unique needs. With hospital cover this option skips the extra expense of insuring two adults, making it a great choice for one-parent households.
Single parent cover also suits two-parent families when the other parent needs a different level of cover to the rest of the family.
Frank's single parent cover
When you’re looking at choosing a single parent private health insurance, have a think about what cover you’ll need for you and your kids.
Are you looking for hospital cover to have just in case or is it more for tax purposes? Do you or your kids need any specific health issues covered? Would extras cover also suit your lifestyle and help pay benefits towards allied health services, like dental, glasses or physio? The outline of hospital and extras cover below may help you to decide what type of cover might be the right choice for you:
How to pick a hospital cover for your family
Single parent hospital cover helps with the cost of going to hospital as a private patient. When looking for the level of benefits that might best suit your family, consider if you’re looking to just cover the basics and to keep the price down, or if you’re looking for comprehensive cover to support you and your family through all of life’s bumps in the road.
Check out Frank’s range of hospital covers across all price levels to pick the one that ticks your boxes.
Extras cover – look for what suits you
Extras cover, also known as ‘ancillary cover’, pays benefits towards services not covered by Medicare, such as dental, optical, physio and chiro. Narrowing down the services your family needs will help you to get an idea of the level of extras cover that’s right for you. It’s also worth checking to see if waiting periods will apply to the services you are looking at.
Check out Frank’s range of extras covers and choose one that suits you and the kids.
The difference between single parent and family health insurance
Single parent private health insurance is a great option when you only want to cover yourself (one adult) as well as your dependants.
A family private health insurance policy covers two adults and any number of children, whereas a single parent health insurance policy covers one adult and any number of children. Because only one adult is covered, it’s a bit cheaper than a family policy.
We don’t pry - your relationship status doesn’t matter when you choose single parent health insurance. It can be a cheaper option if one parent and the kids need a different level of cover than the other parent.
Separation or divorce – options for single parent private health insurance
The last thing you need is more admin, and no-one wants to worry about private health cover when going through a separation or divorce. It’s good to explore options for your family to help you make an informed decision about how to provide private health insurance for your kids. The team at Frank can talk you through the best options for your situation
Reasons to love Frank
Frank health insurance is simple, easy, not-for-profit health insurance. We're here for our members, not shareholders. And because that's all we do, we do it well. We talk straight, and don't complicate.
Choose your own provider
Less overheads means you pay less
30 day cooling off period
Frank makes private health for single parents easy as
There’s enough to worry about when parenting so leave the health insurance admin to us. Whatever your circumstances, Frank makes health cover easy for single parents: just choose your plan and the family members you want covered. Check out Frank’s options for single-parents and find cover that suits you.
Frequently asked questions about single parent health cover
Private health insurance has four cover types, depending on who is included in the cover:
- Family - two adults plus any number of kids who meet dependant status rules
- Single parent – one adult plus any number of kids who meet dependant status rules
- Single - one adult
- Couple - two adults
The level of cover and the number of adults on the cover will impact your total premium. If you have family or single parent cover, the number of children doesn’t affect your premium.
It’s depends on your situation and needs. You don’t have to be a single parent to hold single parent health insurance. Many families split their cover if different family members have different cover needs.
Having cover for your kids is great for peace of mind. Consider your budget, your Medicare Levy Surcharge (MLS) obligations and everyone’s health needs. Waiting periods may apply, so be sure to check this before signing up to a policy. Need some guidance? We’re here to help.
Learn more about keeping your kids covered with Frank.
6 weeks free + skip 2 & 6 month waits on extras* when joining on combined cover.
*For new members who have not been a member during the last 12 months, joining on combined hospital and extras cover, paying by direct debit. Must pay first month to receive offer. Other waits (including hospital waits), annual and sub limits apply. Extras claims made with a previous fund count towards annual limits. Offer only available via Frank website or phone joins. Not available with any other offer or Frank OVHC. Frank may end this offer at any time without notice.
