Health insurance for singles

Singles health insurance means cover for you—no matter who you are. Wherever you are in life, we have cover to suit your needs.
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Find the right health insurance for you

Choose your life stage and we'll show health cover options that include the services people like you care about most.

Basic Hospital Plus & Basic Extras

You just want basic Hospital cover and a few Extras services

Basic Hospital Plus

  • Cover for a few basic services, including tonsils and appendix removal
  • Accident cover from the day after you join

Basic Extras

  • Includes General Dental, Optical, Physio and 4 more common services

Bronze Hospital Plus & Flex 50

You want budget-friendly cover for more than just the basics

Bronze Hospital Plus

  • Cover for common services including colonoscopies, chemotherapy and more
  • Choice of a higher excess to reduce your premium

Flex 50

  • Get 50% or more back at the provider of your choice1
  • Freedom to use your $800 combined annual limit how you want across your included services2

Cover to suit your needs

Tell us a little about yourself, and in 3 minutes we'll find our best cover to suit your needs.

Find my cover
Showing 2 combinations only. You can match your own health cover here.

Why trust HBF for your health insurance

Looking after Australians for over 75 years

We always put our members first

We're a not-for-profit organisation, so we focus on giving more back to members

HBF health members also get access to great discounts and health programs

  • Join the gym for less with discounts on gym membership6
  • Work out in style with discounts on fitness apparel6
  • We’ll help you get well with telephone health coaching and other free health programs7
  • Say goodbye to sniffles with a fully covered flu vaccination every year7

Switching to HBF is as easy as 1, 2, 3

Switching health funds is easier than you think. Follow these three simple steps to switch to HBF in just a few minutes.

  1. Choose health cover that suits your needs.
  2. Buy your health cover online. If you’d prefer to chat, visit your local branch or call 133 423.
  3. Tell us the name of your old insurer and we’ll do the switching paperwork for you.

Switch to HBF

Is couples health insurance cheaper than buying two singles health cover policies?

It depends on your health fund and the health cover you choose. With HBF, a couples health cover policy just costs double the price of a singles health cover policy (before applying the Australian Government Rebate on Private Health Insurance or Lifetime Health Cover loading).

Can my partner and I just get two single health cover policies?

Yes. As a couple, you have the option of getting couples health insurance (so you’re both covered on the same policy) or a singles health insurance policy each. It’s entirely up to you and what best suits your needs.

If you need maternity cover, you can buy a singles health insurance policy with maternity, and one without. When your baby arrives, you can then transition to family health cover, so you, your partner and your new baby can all be covered on the same policy.

When do singles need to leave family cover?

If you’re on your parents’ health cover, we will cover you on their policy until you turn 25 provided you’re not married or in a de-facto relationship and are either:

  • studying fulltime, or;
  • earning less than $24,500 per year.

Get in touch with HBF

We'll help you find our best cover that suits your needs.

Call
133 423
Email HBF
Book an appointment
Find a branch