Health Lifestages Guide

Health insurance for young singles

Get set up for a healthy future

If you’re single and aged between 18 and 30, chances are that you’re feeling pretty good most of the time. The decade of your 20s is perfect for expanding your horizons as you’ve probably got endless freedom and adventures balancing out your work life. You may want to take advantage of having few responsibilities – and who could blame you? Away from all the fun, you could be starting to make plans about your future.

What kind of work do you want to do? Will you find someone to settle down with? How are you going to make your savings goals work while maintaining a social life? You might not know all the answers yet, but you can still do a good thing for future you by making your health a priority today.

What health cover could be best for you?

Think about common health considerations that you may not expect:

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You could get ill and need to go to hospital.

You’re young and healthy, so hospital is probably the last place on your mind. But health issues and accidents can come up when we least expect them to. It’s a smart move to make sure you’re insured with Hospital Cover, even if you’re fit and healthy.

More about Basic Hospital Plus

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  • Choose which specialist treats you, when and where

  • Avoid public hospital waiting lists for services covered by your policy

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If you’re playing sports or you’re physically active

Whether you’re lifting weights, running a marathon or taking up yoga, your body takes on a lot of stress when it comes to the demands of getting active. Be prepared and protected by adding Extras to your Health Cover for these benefits and more.

More about Starter Extras

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  • Physio, Chiro & Osteo cover with annual limits

  • General dental cover

  • Emergency Ambulance transport**

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This is just a summary. For full details about what is and isn’t covered, read the Policy Booklet. It's dry, we know, but it's essential reading.

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

What to look for in singles health cover

Looking for the right health cover as a young single? Private health insurance can offer different benefits depending on the level of cover you choose to take on. If you’re young, healthy and living an active life, you might want to keep your private health cover simple and affordable. As we learn through our 20s and 30s, being young doesn’t make us invincible.

Unexpected sickness and accidents are sometimes a fact of life and it’s well worth having health cover on your side regardless of your current health situation.

Avoiding public hospital waiting lists and having access to your chosen hospital if you have an accident are just two great benefits of being covered with AAMI Health Insurance Basic Hospital Plus Cover.

With a basic level of hospital cover like AAMI Health Insurance Basic Hospital Plus, you won’t be paying for things you’re less likely to need as a young, single person but you’ll have the security of knowing that you’re covered for your insured basic hospital services.


Getting on top of the important stuff while you’re young can help set you up for a healthy future. It doesn't need to be too complicated or expensive.

  • Budget-friendly

    When you don’t need cover for much, you don’t need to pay for too much. A basic hospital cover like AAMI Health Insurance Basic Hospital Plus is designed to keep things simple and affordable if the basics are all you need.

  • Secure

    Life doesn’t always go to plan, but with a hospital cover like AAMI Health Insurance Basic Hospital Plus or Bronze Hospital Plus, you’ll rest easy knowing you’re covered for things like dental surgery and accidental injuries.***

  • Simple

    Looking to cut down the complicated? AAMI Health Insurance helps you easily switch from another fund and will also honour applicable waiting periods served with an existing fund. We’ll also handle the paperwork.

***To be covered for any necessary treatment required as a result of an accident you must provide documented proof that you have sought treatment at a hospital emergency department within 24 hours of the accident. If further treatment in hospital is needed as an admitted patient, you will need to be re-admitted to a hospital within 90 days of the initial visit. Refer to the Policy Booklet for full details.

Accidental Injury Benefit

Seek treatment at a hospital Emergency Department within 24 hours of an accident and if you need to be admitted, you'll receive benefits in line with our top hospital cover for the next 90 days.

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 $93,000 for singles and $186,000 for families. 

Holding any AAMI 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 AAMI Health Insurance Policy Booklet for more information.