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.

Find the right health insurance 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 & Saver Flexi Extras

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

Saver Flexi Extras

  • Cover for General Dental and Urgent Ambulance, plus 2 more services of your choice
  • Swap your 2 services at any time8
Showing 2 combinations only. You can mix & match your own health cover here.

Why you can trust HBF with your health cover

  • Stay in a private room

    All our Hospital cover options include cover for a private room at a private or public hospital1.

  • Have your loved one stay with you

    If you need someone to stay with you while you’re in hospital, we’ll cover the cost of their meals and accommodation2.

  • Avoid the Medicare Levy Surcharge

    Taking out any one our Hospital cover options will help you avoid the Medicare Levy Surcharge tax.

  • Higher annual limits for loyal members

    On most of our Extras cover options, we reward our loyal members by increasing the amount you can claim the longer you stay with us3 4.

  • Unlimited preventative dental

    Claim as many times as you like during the year for preventative dental services like scale & cleans and dental x-rays with HBF Extras cover3 4.

  • Unlimited urgent ambulance

    Urgent ambulance cover by road for as many trips as you need. Available on most Hospital and Extras cover options3.

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

  • Get fit for free with group fitness sessions run by qualified Personal Trainers
  • Save at Friendlies Pharmacies with 15% off5
  • 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 free flu vac 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

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).

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.

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.

HBF is a not-for-profit health fund, which means we’ll always be there for you, not shareholders.