Singles health insurance
Singles cover is made for individuals - offering support at every stage of life.
Whether you’re looking to save some extra cash at tax time with private hospital cover, stepping off a family or couples plan or simply flying solo - singles health cover helps you stay protected against the unexpected.
Get 8 weeks free and skip the 2 & 6 month wait on Extras
Choose a combined Hospital + Extras cover online by 31 January.
New members with Australian residency. Offer fulfilled in month 3 of membership.T&Cs apply., opens in a new tab
What’s included in singles health insurance?
Hospital vs Extras cover - let's help you compare and choose what fits your lifestyle best.
Hospital cover
Hospital cover helps pay for costs like surgeries, private rooms and emergency treatments. It acts as a safety net for unexpected hospital visits and helps you avoid extra costs like the Medicare Levy Surcharge (MLS) and Lifetime Health Cover (LHC) penalties, which can save you at tax time.
Extras cover
Extras cover helps with your everyday healthcare needs, outside of hospital. It covers services like dental, optical, physio, natural remedies, chiro and more. Whether it’s for regular check-ups or ongoing treatments, Extras cover helps keep you feeling your best.
Plus, no matter which plan you choose – Extras, Hospital or both – all our options include unlimited emergency ambulance cover^ for added peace of mind.
Not sure where to start?
Get the information you need to choose the Singles cover that's right for you.
- I’m new to health insurance
- I’m switching health insurers
- I’m an Overseas student or worker
When and why should I get private health insurance?
Getting private health insurance really depends on where you’re at in life, but it can help you:
Avoid extra tax: If you earn above a certain amount, having health cover helps you avoid the Medicare Levy Surcharge.
Save money by acting sooner: Lifetime Health Cover is a government initiative that encourages you to get private hospital insurance before you turn 31. If you wait, your premium goes up by 2% for every year you delay - so getting in early means paying less later.
Get more than Medicare: Medicare covers the basics, but private health insurance gives you access to private hospitals, shorter surgery wait times, your choice of doctor and helps cover everyday health services like dental, optical and physio.
Why choose us?
We’re more than just insurance – offering a range of benefits to support your health and wellbeing
Save with our health provider network
Enjoy no gap or discounted rates on optical, physio and dental services within our exclusive network. Plus, you can easily search for doctors, specialists and health centres that partner with us to find the right care near you.
Be rewarded for being a member
Get rewarded for looking after yourself with nib Rewards! Enjoy discounts on major brands, earn points on selected offers, and unlock even more savings on the things you love - whether it's food, entertainment or saving for something special.
Manage your health anytime, anywhere
The nib App lets you manage your cover on the go - letting you claim instantly with your digital card, search your claim history, check your Extras limits and more.
Easily access health services and tools
Keep your health in check with telehealth consults with a medical doctor or nurse practitioner, treatments delivered if recommended by a clinician, and medical certificates.*
How private health insurance can help you save
Make tax savings
If you earn above a certain amount, getting health insurance helps you avoid the Medicare Levy Surcharge and gives you access to the Australian Government Rebate.
Discount for under 30s
Aged 18-29? You can get up to 10% off your Hospital cover premiums. Helping keep more money in your pocket while staying covered.
Avoid higher premiums later
Not yet 31? With Lifetime Health Cover, 2% is added to your Hospital cover premium for every year you delay getting it. So if you hold off until 40, you’ll pay 20% more than someone who joined at 31.
Frequently asked questions
Disclaimers
^Not available to: (i) QLD residents who have ambulance services provided by their State ambulance schemes; (ii) TAS residents who are covered under state ambulance schemes in TAS and when travelling in mainland Australia except SA or QLD; or (iii) pensioner, concession or health care card holders who have ambulance services provided by State ambulance schemes (check entitlements with Centrelink if unsure).
Benefits for ambulance transportation is only payable where the provider describes the transportation as an ‘Emergency’.
*The provision of a medical certificate is not guaranteed and will depend on the information provided during your consultation and whether the clinician deems it to be appropriate.