Singles health insurance

Singles private health cover helps protect you against life's surprises – like sudden illness, accidents, or the need for unexpected surgeries – while also supporting your everyday healthcare needs. Depending on your policy, you can access private hospitals, choose your preferred specialist, and can reduce costs for services like dental, optical, physio, and more. Plus, it can even help you save at tax time.

Eligible nib members receive a 2% discount for every year that you’re aged under 30 years old up to a maximum of 10% off your policy if you’re aged between 18-25. Learn more about discounts for people under 30, opens in a new tab. 

You can stay covered on your parents' family policy at no extra cost if you're a full-time student and not married or in a de-facto relationship, up until you turn 31. If you're not studying full-time, you may still be added to the policy, but it could come at an additional cost. Once you turn 31 you’ll need to take out your own health cover which you can do in minutes either online, opens in a new tab or over the phone by calling 13 16 42, opens in a new tab.

Private health insurance is beneficial at any age, but it's a good idea to get private health insurance before you turn 31. If you get cover after you turn 31, you’ll  pay extra on your premium – 2% more for every year you delay, up to a maximum of 70%. This is called Lifetime Health Cover, opens in a new tab (LHC) loading, and it stays on your premium until you’ve had hospital cover for 10 years in a row. 

Another reason to consider private health insurance is if you’re earning above a certain income. Without hospital cover, you could end up paying extra tax, called the Medicare Levy Surcharge, opens in a new tab (MLS). Having private health insurance may help you avoid this. 

Whether you join nib online, opens in a new tab or by phone, opens in a new tab, we’ll handle everything and recognise waiting periods that you’ve already served. Just give us your previous fund details, and we’ll take care of contacting them and managing the paperwork. We’ll guide you through the process, let you know about any waiting periods, and ensure switching to nib is hassle-free so you can start claiming on your healthcare and taking advantage of our health and wellbeing services, opens in a new tab.