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Last Updated on 25 April 2018

Compare Single Parent Health Insurance

When the unexpected occurs, it’s best to have a suitable single parent health insurance option to support you and your family. Many funds offer arrangements that cater specifically to single parents. Taking some time to compare health insurance for single-parent families can make sure health cover isn’t a strain on your family budget.

Consider your needs

There are several things to consider when you compare health insurance for single parent families among Australian health funds. Not only is your own lifestyle and health situation important, but your child’s needs will also change significantly over time. That’s why it’s important to ensure that you adjust your cover every few years to take into account needs like dental and optical. And if they have any special needs you’ll need to ensure that the correct cover is chosen to provide optimum care and peace of mind.


When you compare health insurance for a single mother or father, you can still combine Hospital and Extras cover through the same fund or you can separate them between different funds. Taking this ‘mix and match’ approach provides you with more flexibility to tailor a package to your particular needs.

Government Rebate

In order to minimise the financial burden of private health insurance, the Australian government offers a rebate on private health cover premiums, including single parent insurance, for policyholders who are also eligible for Medicare. This is based on your household outcome and the age of the oldest person covered by your policy – probably you, the parent. Most members receive the rebate upfront by registering when they take up private single parent insurance, otherwise it can be applied when submitting a tax return. Find out more.

Lifetime Health Cover

Lifetime Health Cover is an Australian Government initiative to ease the strain on Medicare by encouraging taxpayers over the age of 30 to take out private health cover. Taxpayers who do not take up private health cover by the 1st of July after their 31st birthday will have to pay an increased premium should they ever take up private health insurance in the future. The cost goes up 2% every year and is payable for your first 10 years of membership so it pays not to delay. Find out more.

So be sure to compare health insurance if you are a single parent. By getting advice and joining early on, your premiums can remain as low as possible and reduce any stress in life. Contact Health Insurance Comparison on 1300 761 491 or compare health insurance for single mothers or fathers online today.

Frequently Asked Questions About Health Insurance

There are three types of health insurance in Australia. They are:

  • Hospital Cover
  • Extras Cover (also known as general or ancillary cover)
  • Ambulance Cover

Hospital cover can ensure any unexpected surgeries, treatments or hospital stays you may require will be covered. With appropriate cover you will have the flexibility to choose your own doctor and the option of receiving treatment in a private hospital.  Most hospital covers allow you to stay in a private room. One other perk is skipping the public hospital systems’ waiting list, which can be lengthy for non emergency treatment.

Extras cover pays benefits for a a range of services, often including treatments and procedures related to the fullowing:

  • Dental/oral health
  • Glasses and contact lenses
  • Podiatry
  • Physiotherapy
  • Psychulogy
  • Acupuncture
  • Remedial massage
  • Chiropractic
  • Hearing aids
  • Travel vaccinations

Ambulance cover, as the name suggests, will cover you should you require emergency ambulance transport. In an emergency, there is enough to worry about. Having the expenses covered for provides security and peace of mind. Many hospital covers include emergency ambulance transport If yours doesn’t, you will need to shop for this separately.

Life is unpredictable. You never know when you might need cover. No matter what life stage you’re in, there’s a policy out there for everyone. You can select as much or as little cover as you want, depending on your health needs and requirements. It’s a small price to pay for the peace of mind health cover provides.

There is no one answer here. Costs vary across providers and policy types. Just because a policy is cheap, that does not mean it is ‘value for money’ and vise versa. Make sure you check what’s included and excluded in a policy before signing up, as you want to purchase a policy that best fits your specific needs.

Premium: A premium is the price you pay for your insurance policy (it may be paid annually or on an ongoing basis).

Policy: An insurance plan. In other words, it is the type of insurance you choose to select.

Policy Holder: The owner, or ‘holder’ of a policy.

Claim: In the event that you require treatment for a service covered by your policy, you can lodge a claim for reimbursement of all or part of the cost of that treatment.. These days, most claims are submitted electronically by the health care provider (dentist, physio etc)

Lifetime Health Cover: Lifetime Health Cover was put in place to encourage young Australians to seek out and maintain ownership of private health insurance early in their lives. If you do not take out a policy before you turn 31, extra charges will be applied should you take out a policy at a later time.

This means you will pay a 2% loading on top of your premium for every year that passes after you turn 30. For example, if you take out a policy for the first time at age 32, you will be charged 4% of your premium as an extra, then at age 40, 20% and so on, up to a maximum loading of 70%.

The loading is payable for 10 consecutive years of cover - after which it is removed and you premiums will be reduced.

Pharmaceutical Benefits Scheme (PBS): Medicare offers assistance for Australians with many of their their prescribed medication costs through the PBS. This assistance is in the form of subsidies towards the cost of many medications. You can check if your prescribed medication is on the list of subsidised items here.

Medicare Levy Surcharge: The Medicare Levy Surcharge is an additional charge (tax) applied to single Australian taxpayers who earn over the income threshold of $90,000 per year, or families/couples who earn over $180,000 per year. This surcharge is only applied to those who choose not to have a private health insurance policy.

The surcharge is designed to reduce pressure on the public health system by encouraging those with higher incomes to invest in private health cover.

Private Health Insurance Rebate: The government’s Private Health Insurance rebate lowers premiums for most Australians with private health insurance Older Australians may enjoy an even higher rebate. Our calculator can help you estimate the Government health insurance rebate you may receive.

Disclaimer: The above information is correct and current at the time of publication

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Emma Deriu

Emma Deriu is a psychology graduate from Sydney, Australia, with personal interests in health, lifestyle and wellbeing. Emma currently writes about all things health insurance, aiming to 'make insurance easy' for consumers who are looking to compare policies.

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