• No additional cost to you
  • We can save you hours on research

Written by

|

Edited by

Updated 18/05/2023
What changed?
Update incorrect information: funds can now cover children up to 31; Can a single’s health insurance policy cover my children? What kind of waiting periods might my children have?
|
Fact checked
Our aim is to help you make better informed decisions. That’s why iSelect’s content is produced in accordance with our fact-checking and editorial guidelines.
|

Find out more about how we make money.

View our Privacy Policy.

Updated 18/05/2023

What changed?

Update incorrect information: funds can now cover children up to 31; Can a single’s health insurance policy cover my children? What kind of waiting periods might my children have?
Our aim is to help you make better informed decisions. That’s why iSelect’s content is produced in accordance with our fact-checking and editorial guidelines.

Edited by

Laura Crowden

Find out more about how we make money.

View our Privacy Policy.

Check out our range of private health funds

iSelect does not compare all providers or policies in the market and not all policies or special offers are available at all times, through all channels or in all areas. Not all policies available from our providers are compared by iSelect and due to commercial arrangements and customer circumstances, not all policies compared by iSelect are available to all customers. Learn more.

What is Single Parent Health Insurance?

In short, it’s all in the name – Health Insurance for single parents and their kids. A single parent family consists of one adult and dependant(s), including child/student dependants.

What’s the difference between Single Parents and standard Family Health Cover?

Many health insurers offer policies designed for single parent families, which generally have lower-rate premiums compared with standard family cover, which is designed to cover two adults and their kids.

Single Parents Health Insurance: get the facts

Do single parents pay more or less for Private Health Insurance?

According to the Private Health Insurance Act 2007, health insurers are able to offer single parents reductions in premiums.1Private Health Insurance Act 2007 – Chapter 2, Incentives 

Of course, single parent policies will cost more than just a single policy because you would be adding cover for your kids. However, they’re likely to cost less than a family policy as you would be choosing cover for one adult rather than two.

Will my Single Health Insurance policy cover my child?

An adult who holds Health Insurance as a single (a singles policy) will only have cover for themselves.  

Adults who have dependents need to let their insurer know that they want to include their children on their policy. The policy will then need to be upgraded to a single parent policy, or family policy, which will cost more than a single policy.

What rebates are available for single parents?

Many people in Australia are eligible for a Government rebate on their Health Insurance costs. The Australian Government Private Health Insurance Rebate is specifically designed to help cover some of the costs of Health Insurance, including for single parents. 

The rebate is income-tested and applies to both hospital and general treatment (Extras) cover. The rebate threshold is increased for each child after the first.

Read More

Does single parent Health Insurance cover pregnancy?

This will depend on the actual tier of coverage you take out. All Gold policies include pregnancy. So it’s important to check that the policy you are interested in is offered at a single parent scale before purchasing.

Read More

How users rated our service

Single Parents Health Insurance: your frequently asked questions

Do I need Private Health Insurance as a single parent?

Will my child always be covered under my policy?

What doesn’t single parent Health Insurance cover?

What if I separate from my partner?

Will my child be affected by waiting periods?

How can I find suitable Health Insurance for single parents?


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