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Life Stages in Health Insurance
Whatever stage of life you’re in. Find a Health Insurance policy that suits you.
→ What life stage are you in?
→ Singles Health Cover
→ Couples Health Cover
→ Pregnancy Insurance
→ Family Health Cover
→ Single Parent Health Cover
→ Empty Nesters Health Cover
→ Seniors Health Insurance
→ What about Lifetime Healthcare Loading?
→ Where can I find and compare Health Insurance?
What life stage are you in?
Each stage of life has its distinct pleasures. Maybe you’re 35 and training for a marathon? Or perhaps you’re 65 and getting a fabulous new knee after all those marathons? Whatever stage you’re in, there’s an Insurance Policy to support you.
Broadly speaking, you can take out Private Health Cover for Hospital treatments, Extras, or both. Hospital-only cover comes in Basic, Bronze, Silver and Gold tiers, which are standardised across providers. For Extras Cover, providers have more flexibility around what they offer. Different levels of Hospital and Extras Cover will be appropriate for the different phases of life you enter.
Young Adults Health Cover
Becoming an adult is exciting, but it also means saying goodbye to your parent’s cover. Getting your own health insurance as a young adult could give you peace of mind and help you look after your health now, rather than making up for it later.
Singles Health Cover
When you want cover for priority number one (you!), Singles Health Cover could be where you find it. You’re young and healthy, but it never hurts to have additional peace of mind. Plus there are financial incentives from the government to take out a policy early.
Couples Health Cover
Choosing Couples Health Cover could make balancing your budget simpler plus look after yours and your partner’s health. If you’re in a serious relationship, you might be doing some kind of planning for a joint future, and Health Insurance could be a part of that.
Pregnancy Cover
If you’re thinking about starting a family, you’ve probably got a lot on your mind. Is the house big enough? Will I ever sleep again? What about Health Insurance? While we can’t tell you what to name your kid, we can help with that last one.
Family Health Cover
A family can take a lot of different shapes – but for the purpose of Health Insurance, it’s one or two parents plus their dependent children. Having children can mean having less flexibility in other areas of life, so you might appreciate the greater flexibility afforded by Private Health Insurance.
Single Parent Health Cover
No one works harder than a single parent and Single Parent Health Cover could work hard for you and your health.
Kids and Teens Health Cover
Family health insurance policies are a way to include your kids and teens on your cover without the extra hassle or cost of another policy.
Empty Nesters Health Cover
With the kids out of the nest, it could be time to check in on your Health Insurance and your changing needs.
Seniors Health Insurance
Growing older could mean more trips to the doctor and needing harder working Health Insurance as a result. If you’re 65 years or older, you can also get a higher rebate on your Policy.
What about Lifetime Healthcare Loading?
Lifetime Health Cover (LHC) Loading is designed to incentivise people to take out appropriate levels of hospital cover earlier on. It adds an extra 2% onto your Health Insurance premium (up to a maximum of 70%) for every year you don’t have Private Health Insurance from the first financial year after you turn 31. This can really add up and make your health insurance pretty pricey down the track!
So if you take out Hospital Cover when you’re 31, you won’t pay the LHC at all. But if you take out Hospital Cover for the first time when you’re 40, you might be paying 20% more on your premiums than if you’d taken it out when you were 31.
But if you’re in it for the long haul, there’s a benefit. Once you have paid LHC loading for 10 years of continuous hospital cover, the loading will be removed!
Where can I find and compare Health Insurance?
Need help finding Health Insurance for your stage in life? We’re here to help. Save time and effort by comparing a range of Australia’s Health Funds with iSelect, either online or by phoning 1800 784 772.
Compare health insurance policies the easy way
Save time and effort by comparing a range of Australia’s health funds with iSelect
iSelect does not compare all health insurance providers or policies in the market. The availability of policies will change from time to time. Not all policies available from its providers are compared by iSelect and due to commercial arrangements, your stated needs and circumstances, not all policies compared by iSelect are available to all customers. Some policies and special offers are available only from iSelect’s contact centre or website. Click here to view iSelect’s range of providers