What is the best extras cover for singles?

Choice can be important

Value for money is important when you are single, and it is extra important when you are looking for your best extras cover for singles. That is why at GMHBA, we believe in choice and flexibility when it comes to health cover. Looking after yourself should be a priority no matter how old you are, and having as few barriers as possible to finding the best extras cover for singles can be the key. Fitting the cost of health cover into your budget alongside the cost of living, the cost of rent, the cost of cars and the cost of phone bills can be a challenge. But when you choose the right health fund, it can be easier than you think. Health funds and governments do what they can to encourage single people of all ages to take out cover. They understand the benefits of getting in early, both on the public health system and on your health and lifestyle. There are two kinds of health cover in Australia – hospital and extras. Hospital insurance provides cover for when you are admitted to a private hospital or to a public hospital as a private patient. It can help you get back on your feet sooner by helping you avoid public hospital waiting lists, if you choose private hospital admission, and can also allow you to choose the doctor or specialist you want. And that peace of mind can be important when wanting to stay on top of your health, or manage whatever life can throw at you. The other type of cover is what you are looking for today – the best extras cover for singles.

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

Join GMHBA on Combined cover for your chance to be at the 2017 Toyota AFL Grand Final*

* For new health insurance members on direct debit. Must pay first month to be eligible. Prize does not include flights or transfers. Promotional period 4 August 2017 - 24 September 2017. Valued at $1000. View Full Terms and Conditions

NSW Permit No. LTPS/17/16360

AFL Authorised GF Promotion: GFAFL 17/94

There can be lots of options

Finding the best extras cover for singles starts with an understanding of how extras works. Extras cover provides benefits for treatments and services outside of hospital, ones often not covered by Medicare. These treatments can be the popular ones like dental, optical or physiotherapy, but can also be the less familiar ones like remedial massage, podiatry or travel vaccinations. Either way, these treatments can be expensive, especially if you have to pay them in full. Discovering your best extras cover for singles can be about finding one that fits your budget and could help you make ends meet if you are faced with an unexpected treatment cost. At GMHBA we have three main singles policies – Gold, Silver and Bronze. They all offer either set benefits or allow you to claim a percentage back for each treatment. Like all health cover, the higher level of cover, the higher the benefits. Our Gold cover can provide percentage back benefits of 75%, our Silver 65% and our Bronze 55%.

They all offer different premium levels and are designed to meet most budgets. They also have different annual limits, which can be important when comparing to find your best extras cover for singles. Annual limits are like a cap on the amount you can claim back on specific treatments in a calendar year. Finding your best extras cover for singles also means taking into account waiting periods. Most health policies will have waiting periods for various treatments or services, and extras cover is no different. Waiting periods usually range between 2 months for most treatments, to 12 months for things like major dental treatments or health appliances and monitors.

Be proactive with your health and health care

At GMHBA we believe in working with you to be healthier together, and finding your best extras cover for singles can be an important part of that. There are links between things like preventative dental treatment and the prevention of decay, and having a health cover that provides benefits for services like dental examinations and teeth cleaning can help you keep on top of your oral health. Being able to treat niggles with physiotherapy or remedial massage can also help to keep you on the go, and our comprehensive range of wellbeing programs can help you take proactive health care further.

There are more incentives when it comes to the budget side of things. You will notice when you view our covers we ask you to tell us your age and your income. This isn’t so we can find out how likely you are to need any treatments, it’s so we can assess whether or not you could be eligible for government tax incentives or rebates. If you take out your best extras cover for singles option you could be eligible for the Australian Private Health Insurance Rebate. This rebate is designed to encourage people to take out cover, and can reduce the cost of your premium. The rebate is tiered, and is based on your income level and your age. Rebates can be as much as 35%.  You may also be eligible for a further tax incentive if you take out one of our hospital covers. You can mix and match our Gold, Silver and Bronze hospital covers with our three extras covers as well. If you are under 31, you could also avoid the Lifetime Health Cover loading, which is another incentive for young people to sign up to health cover.