Where do I find cheap health insurance for singles?

Look closely at the policies

Health insurance doesn't have to be a costly, mind maze. We know it's ironic coming from a health fund, but hear us out. At Frank, we believe that cheap health insurance for singles should be simple, affordable, and designed to your needs. It’s the reason we exist. Dealing with illness is hard enough, and we want to offer you cheap health insurance for singles that brings peace of mind and helps your budget deal with unexpected healthcare costs.

Accident Only Hospital (Basic) & Easy Extras

Minimum Basic cover with additional coverage available in the event of an accident plus extras cover for the essentials that's easy on the pocket.
$ 23.45
per week
  • 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

Private hospital cover with some exclusions to keep the costs down plus everyday extras cover for common services like majory dental and psychology.
$ 33.35
per week
  • Major Dental
  • 100% back on Optical
  • Health Maintenance
  • Emergency Ambulance Cover
  • Back, neck and spine
  • Lung & Chest

Silver Hospital (Silver) & More Extras

Private hospital cover with some exclusions to keep costs down, plus more extras cover for a wide range of services including podiatry and orthodontics.
$ 42.80
per week
  • 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

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.