Blog article

Do you need private health insurance in your 30s?

By HBF
4 minutes
1 July 2024
A young man smiling after exercise by the water
Is the future on your mind? Here’s what HBF members in their 30s claim for the most on hospital and extras insurance.

Your 30s are stage of life where you might be becoming more conscious of your health, the future and potentially starting a family.

Whether or not you choose to have private health insurance is an individual decision – but for many people, it can help you feel more prepared for the future.

Plus, there are some tax and financial benefits to having private hospital cover that might apply to you, so it’s worth considering if it’s a good choice for you.


In this article:


Your health in your 30s

So what might you need private health insurance for? The reality is, anything can happen.

But when deciding what you might want to be covered for, it can be helpful to look at the common claims among people in your age group.

Based on HBF claims data, some top health considerations for people in their 30s may include mental healthpregnancy and accidents and injuries.1

Let's take a closer look.

Popular hospital claims

For HBF members in their 30s, some of the most common hospital claims include:1

Other benefits of private hospital cover

Of course, you can access these treatments in a public hospital too, and this can be a good option in many cases.

However, there are a few advantages to being treated in a private hospital, such as:

Plus, having private hospital insurance can give you some financial benefits, depending on your age and how much you earn:

Popular extras claims

Outside of hospital, extras cover can help you with the cost of some other health services that are generally not covered by Medicare.

For HBF members in their 30s, some of the most commonly used extras services include:1

For parents

If you have kids, private health insurance can also provide extra choice and convenience for some treatments that may be needed.

Popular hospital claims

At HBF, some of the most popular hospital claims for children and teenagers include:1

Extras cover claims for things like dental, optical, physio and chiro are also common for children and teenagers.1

It’s important to know that not all levels of hospital cover and extras cover include the treatments and services described in this article. To find out more about levels of cover, check out HBF cover options.


Please note: This blog was originally published on 10 January 2022 and has been updated to include the latest information.


1 HBF claims data, 2019-2021

2 Australian Government Department of Health – The mental health of Australians 2 (2009)

3 HealthDirect – Irritable bowel syndrome (IBS) (2020)

4 Australian Institute of Health and Welfare – 1 in 2 Australians affected by eye problems (2015)

* For the treatment of included services at Member Plus hospitals only.

 



This article contains general information only and does not take into account the health, personal situation or needs of any person. In conjunction with your GP or treating health care professional, please consider whether the information is suitable for you and your personal circumstances.