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Health lifestyle guide

Health Insurance for young singles

Looking out for your health needs

If you’re single and aged between 18 and 30, you may be looking for cover that’s simple and affordable, without paying for things you don’t need. Whether you just want peace of mind or you’re looking for tax savings, Suncorp Health Insurance have got you covered for the essentials.

Choosing the right cover for you

Basic Hospital Plus

If you need to go to hospital

Going to hospital isn’t usually the first thing on your mind if you’re young and healthy, but it’s important to be prepared for the unexpected.

Get a quote

 Download PDS

Medicare Levy Surcharge

The Medicare Levy Surcharge (MLS) is a government tax on top of the normal Medicare Levy and impacts singles with a taxable income of over $90,000 or families (including couples and single-parents) with a taxable income of over $180,000 who don’t have an appropriate level of private hospital insurance for the full financial year.

Holding any Suncorp Health Insurance Hospital Cover product means you won’t pay the MLS if your income is above the government threshold and you maintain your hospital cover for the full financial year.

Read the Suncorp Health Insurance Policy Booklet for more information.

  • Choose which specialist treats you, when and where.
  • Avoid public hospital waiting lists for services covered by your policy.
  • Avoid the Medicare Levy Surcharge if eligible.

Starter Extras

If you live an active lifestyle

Even if you’re fit and healthy, your body can take on a lot of stress when active — whether you’re lifting weights or doing yoga. So make sure you're covered for things like a visit to the physio by adding Extras to your health cover.

Get a quote

 Download PDS

  • Physio, chiro and osteo cover with annual limits.
  • General dental cover.
  • Emergency Ambulance transport*.

This is just a summary. Waiting periods apply. For full details about what is and isn’t covered, read the Policy Booklet.

*Residents of QLD and TAS have ambulance services provided by their State Ambulance Schemes.

When things don’t go to plan

You may want to keep your private Health Insurance as simple and affordable as possible.

But, while it’s important to be healthy and active during your 20s and 30s, you’re not invincible. Unexpected sickness and accidents can happen at any stage of life. That’s why it’s worth having the right level of cover, regardless of your current health situation.

Avoiding public hospital waiting lists and being able to go to your chosen hospital are great benefits of having Basic Hospital Plus.

Set yourself up for a healthy future

Getting on top of Health Insurance when you’re young can help you plan for a healthy future. It doesn’t need to be too complicated or expensive.

Save up to 10% on Hospital Cover

Affordable

You shouldn’t have to pay for heath services you don’t need. Basic Hospital Plus is designed to cover you for the essentials at an affordable price.

You’ll also receive a rebate from the government on your insurance premium as long as you’re earning less than $140,000 per year.

Plus, if you’re between 18 and 29, you could save up to 10% on Hospital Cover until you’re 41.

Get that extra peace of mind

With hospital cover like Basic Hospital Plus or Bronze Hospital Plus, you can rest easy knowing you’re covered for things like dental surgery and accidental injuries. **

Health Insurance to keep you healthy

Suncorp Health Insurance doesn’t just cover you when you’re sick. You could get money back on your dentist appointments, optometrist visits and more. Plus if you take out Mid or Top Extras you could also claim money back on your gym membership or personal training sessions^.

Lifetime Health Cover

Lifetime Health Cover (LHC) loading is a government charge which adds 2% on to the price you pay for Hospital Cover if you sign up after 30 June following your 31st birthday. The loading increases by 2% for every year you don’t join, up to a maximum of 70% and can only be removed after 10 years of continuous Hospital Cover.

For example, if you sign up at the age of 40 you’ll pay an extra 20% for your Hospital Cover compared to someone who joined aged 31.

Visit the ATO for more information.

Skip paying a levy

Avoid being hit with Lifetime Health Cover loading by taking out hospital cover before July 1 following your 31st birthday.

*Residents of QLD and TAS have ambulance services provided by their State Ambulance Schemes.

**Availability and level of Accidental Injury Benefit dependant on chosen Hospital product. Relevant products provide extra coverage for services ordinarily excluded or restricted for 90 days where a Suncorp member seeks treatment with a medical practitioner or attends a hospital emergency department within 72 hours of an accident and is then admitted to hospital. Additional T&Cs apply, refer to the Policy Booklet.

^60% or 75% back dependent on Extras product. Subject to your annual limits and applicable waiting periods. Recognised Extras providers only. T&Cs and exclusions apply. Fitness centre/gym or personal training services recognised where: i. the membership of a fitness centre, visits to a fitness centre or sessions with a personal trainer is required to enable the member to undertake a health management program for the treatment of a health related condition; and ii. the health management program has been recommended to the member by a medical practitioner or provider who has the member under their care for the treatment of the health related condition; iii. all supporting documentation required in relation to the health management program has been completed in the manner requested; and iv. the membership is not provided as part of a corporate membership program. Chat to a Suncorp Health Insurance expert or see the Policy Booklet for details.

Suncorp Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib), a registered private health insurer, and is marketed by Platform CoVentures Pty Ltd ABN 82 626 829 623 (PC), a Suncorp Group company. PC is an authorised agent of nib and receives commission from nib. Read the policy booklet before buying this insurance.

Lifetime Health Cover

Lifetime Health Cover (LHC) loading is a government charge which adds 2% on to the price you pay for Hospital Cover if you sign up after 30 June following your 31st birthday. The loading increases by 2% for every year you don’t join, up to a maximum of 70% and can only be removed after 10 years of continuous Hospital Cover.

For example, if you sign up at the age of 40 you’ll pay an extra 20% for your Hospital Cover compared to someone who joined aged 31.

Visit the ATO for more information.

Save up to 10% on Hospital Cover

Medicare Levy Surcharge

The Medicare Levy Surcharge (MLS) is a government tax on top of the normal Medicare Levy and impacts singles with a taxable income of over $90,000 or families (including couples and single-parents) with a taxable income of over $180,000 who don’t have an appropriate level of private hospital insurance for the full financial year.

Holding any Suncorp Health Insurance Hospital Cover product means you won’t pay the MLS if your income is above the government threshold and you maintain your hospital cover for the full financial year.

Read the Suncorp Health Insurance Policy Booklet for more information.