Private health insurance provides access to private hospitals, shorter wait times, and tailored extras services that help maintain your health. Unlike the public system, private cover gives you the flexibility to choose your healthcare providers and receive treatment when you need it—without long waiting lists.

For those looking for the best health insurance for singles, private cover ensures that you are protected for unexpected hospital visits, elective surgeries, and everyday healthcare needs like dental, optical, and physiotherapy. Whether you’re prioritising preventative care, specialist treatments, or accident coverage, single health insurance provides peace of mind and greater control over your health.

Phoenix Health’s single health cover includes hospital and extras options designed to meet your individual healthcare needs. Depending on the level of coverage you choose, benefits may include:

~ Private hospital treatment – Cover for surgeries, and in-hospital care

~ Extras services – Benefits for dental, optical, physiotherapy, psychology, and alternative therapies

~ Preventative healthcare – Support for maintaining overall wellness, including remedial massage and dietetics

~ Emergency ambulance cover – Nationwide coverage for urgent and non-urgent transport

With Phoenix Health’s single health insurance, you can customise your plan to match your lifestyle and budget, ensuring you only pay for the services you need.

Yes! All Phoenix Health hospital covers include comprehensive ambulance cover, ensuring you are protected for both emergency and non-emergency ambulance transport across Australia.

Many people assume that ambulance services are free, but in most states, you may have to pay out-of-pocket for ambulance transport if you don’t have ambulance cover as part of your single health insurance plan. With Phoenix Health, you won’t have to worry about unexpected ambulance bills.

Waiting periods will vary depending on the type of hospital or extras cover you select:

~12 months for pre-existing conditions

~ 6 months waiting period for optical

~ 2 months for general hospital benefits

~ 2 months for extras services like dental, massage and physiotherapy

If you are switching to Phoenix Health from another provider, any waiting periods you have already served will count (no need to start over). Learn more about waiting periods.

Phoenix Health allows you to combine hospital and extras cover, so you can tailor a plan that meets your unique healthcare needs.

If you’re looking for the best health insurance for singles, mixing hospital and extras cover ensures that you’re protected for both major medical events and everyday health expenses. This gives you access to specialist treatment, dental care, and physiotherapy, all within a single health insurance policy that suits your lifestyle.

The Medicare Levy Surcharge (MLS) is an additional tax applied to individuals who earn over $97K per year and don’t have private hospital cover. By taking out single health cover with hospital insurance, you can avoid paying the surcharge while also gaining access to private healthcare services.

This makes private health insurance a smart financial decision for higher-income earners.

Phoenix Health offers 6 hospital covers and 3 extras covers across our Basic, Bronze, Silver and Gold product tiers. The difference between tiers is the clinical categories included in each level. Learn more about product tiers. You can mix and match covers to suit your needs and budget. 

If you’re switching to Phoenix Health from another health fund, we recognise waiting periods you’ve already served and ensure that any benefits you’ve accumulated are carried over.

This means you can switch to a better single health insurance plan without having to restart waiting periods, allowing you to start claiming benefits sooner. Our team makes the transfer process simple and stress-free. Contact Phoenix Health today.