What is the best basic hospital cover for singles?

How do I know where to start?

Hospital cover in Australia is about giving you peace of mind and flexibility. Our public hospital system is the envy of the world, and we know it can be there for us when we need it. Having private health cover can complement the public system and can help you get back on your feet faster. It can be hard to know where to start when asking yourself: ‘what is the best basic cover for me?’ A good place to kick things off is by recognising the benefits a basic hospital cover can bring. A basic cover doesn’t necessarily mean it is a bad or poor quality cover.

If you are single and after something that is affordable, that doesn’t give you all the bells and whistles but still provides you with choice and peace of mind, then there are plenty of options. Asking yourself ‘what is the best basic cover for me’ starts with understanding hospital insurance can cover you for admission to a private hospital, or a public hospital as a private patient. This choice alone can provide you with plenty of options. If you choose a cover that includes private hospital treatment, you can choose your doctor or specialist. That means you can stick with someone from start to finish if you wish. Make sure the private hospital you want to be treated at is on our comprehensive participating hospitals list. When you ask ‘what is the best basic cover for me’ you can be comforted in knowing that at GMHBA we pride ourselves on giving you flexibility of choice with policy options, and basic hospital covers that can suit most budgets.

Bronze Hospital & Bronze Extras Set Benefits

Entry level hospital cover. Includes preventative dental and optical.
$ 20.35*
per week
Select

Bronze Hospital & Silver Extras Set Benefits

Entry level cover. Cover for a range of popular services that suit your lifestyle.
$ 24.35*
per week
Select

Silver Hospital Plus & Bronze Extras Set Benefits

Moderate cover. Includes private hospital with some exclusions. Includes cover for preventative dental.
$ 29.90*
per week
Select

Bronze Hospital & Bronze Extras Set Benefits

Entry level hospital cover. Includes preventative dental and optical.
$ 20.35*
per week
Select

Bronze Hospital & Silver Extras Set Benefits

Entry level cover. Cover for a range of popular services that suit your lifestyle.
$ 24.35*
per week
Select

Silver Hospital Plus & Bronze Extras Set Benefits

Moderate cover. Includes private hospital with some exclusions. Includes cover for preventative dental.
$ 29.90*
per week
Select

* The price shown is per week and applies to a Single living in VIC with a $500 excess. It excludes LHC loading and includes a Base Tier Government Rebate.

Choose your own extras provider.*

*With GMHBA, you have the choice to use any extras provider with professional qualifications recognised by GMHBA.

What basic options are out there?

GMHBA can be a great place to come to when finding the answer to the question ‘what is the best basic cover for me’. This is because we offer a large range of hospital covers. We have three main hospital covers – Gold, Silver and Bronze. Our Gold cover is our most comprehensive cover and can give you total peace of mind. But when trying to find the ‘best basic cover for me’, the two better options could be Silver and Bronze. Our Bronze cover is our most basic hospital policy and can cover you for treatment at a public hospital as a private patient. Having public hospital cover means it is unlikely you will have the same doctor or specialist all the way through, and you won’t be able to avoid public hospital waiting lists. However, you will still be covered for most treatments and will have access to medical gap cover. You can even choose to vary your excess, which is the amount you pay before we do. Paying a higher excess means you can pay a lower premium, which can make things cheaper up front.

You only have to pay excess once a year, even if you are admitted to hospital multiple times. Like all health covers, there are waiting periods, which are usually about 2 months for most treatments and 12 months for obstetrics.  If you are after a policy that covers you for admission to a private hospital, but keeps premiums low, then our Silver cover could be the best option. It excludes a number of treatments so affordability is still a priority, but covers you for a raft of common hospital treatments. Being treated in a private hospital allows you to avoid public hospital waiting lists, and also makes it possible to choose the doctor or specialist you want. As you look for the ‘best basic cover for me’ you will realise that our basic covers have a lot to offer. As well as inpatient treatments, we offer a range of other health programs aimed at helping you recover as quickly as possible. They include hospital in the home and rehabilitation in the home programs, a care co-ordination service and chronic disease management support. We are dedicated to helping you as much as we can on your health and wellbeing journey.

How do I know which one to choose?

A key factor in your journey to find the ‘best basic cover for me’ can be to understand what you want and want you expect from your hospital insurance. If you are looking to find a basic policy, you may have to compromise on the treatments you are covered for. Ask yourself, and maybe even your GP, what treatments you think you might need to be covered for in the coming little while, and work backwards from there. If you are not overweight, then having a basic hospital cover that excludes gastric banding, for example, can be a smart move.

And if you are unlikely to have a baby anytime soon, you can also save on premiums by choosing a policy, such as our Silver plan, that doesn’t cover you for pregnancy or fertility treatments. At the same time if you are comfortable being treated in a public hospital and in a shared room, and are keen to keep your premiums low, then our Bronze cover might be what you are after. So work out what you expect from health cover and what you might need. It can be tough to look too far into the future when it comes to your health, but it is important to get as good a picture as you can. Also, when it comes to cost, there are tax incentives and rebates that might help you keep costs low. And if you are under 31, signing up to your ‘best basic cover for me’ as quickly as possible could also be a handy move for your budget in the long run.