Health insurance for singles explained

Everyone’s different and everyone changes. And your health insurance should change with you. So what is there to know about choosing the best health insurance for singles? 

Youth discount, Lifetime Health Cover (LHC) loading, Medicare Levy Surcharge (MLS) and hospital cover

We've got you're back with this rundown of discounts, loadings, surcharges and other things you need to know about the cost of your private hospital cover.

Youth discount

If you’re aged 18 – 29 and a Principal member (that’s the first person listed on your membership, the person responsible for the payment of premiums and you have full authority to make changes to your membership), you can get a discount on your hospital cover. So it’s a good idea to set up private health insurance while you’re young. Learn more about the youth discount. 

Different people showing the youth discount scale with age and %

Lifetime Health Cover (LHC) loading

Health insurance acronym #234, the LHC loading is a government initiative that’s designed to encourage people to take out and maintain private hospital insurance once they turn 31.

If you don’t have hospital cover by 1 July following your 31st birthday and you choose to take it out later in life, a loading of 2% will be applied to your hospital cover premium (up to a maximum of 70%) for each year you’re over the age of 30 without hospital cover. This is called the LHC loading.

But, if you take out hospital or hospital and extras cover on or before 1 July following your 31st birthday, you don’t need to worry about it as long as you maintain your hospital cover. Find out more about LHC.

Person sitting on sand clock (hourglass)

Medicare Levy Surcharge (MLS)

If you earn more than the specified income threshold, having private hospital cover could possibly mean that you don’t have to pay the Medicare levy surcharge (MLS).

The MLS is a levy you may need to pay if you don't have an appropriate level of private hospital cover for you and all your dependants and earn over $90,000 (for singles) and $180,000 (couples, families and single parents). (The income threshold for families goes up by $1,500 for each child born after the first child.) Find out more about the Medicare Levy Surcharge.

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Using your cover

As you go about claiming and using your cover, there’s a few things to keep in mind.


For most services, you can claim on-the-spot at your provider with your member card, or by logging in to your online account or via the ahm app. You’ll need to have paid for the service before you can claim online or via the ahm app. Easy!

Learn more about claiming.
Person walking with money in back pocket


If you’re a TAS or QLD resident. Your Ambulance services are covered by your state schemes — for everybody else, Australia-wide unlimited emergency Ambulance is included on all ahm extras products after a 1 day waiting period. So that means you’re good for emergency ambulance from day two with us.


Annual Limits

When you’re using your extras cover it’s good to keep your annual limits in mind. Different services (dental, optical etc) have different annual limits, and may be subject to per person limits.

Find out more about limits

Switching cover

You’ll change. You might get a new job, you might start a family, you might get sick, you might need glasses. Make sure your cover changes with you, but keep an eye on a couple of things as you do.

Waiting Period

There are waiting periods on some private health treatments and services. They vary depending on the cover and the treatment, but it’s best to set up your private health insurance at a time when you don’t urgently need any treatments. If you switch cover and there’s a significant change in what’s included you may have to re-serve some waiting periods for included services. But if you switch to ahm from a different insurer you don’t have to re-serve waiting periods if the cover is comparable to your previous cover. 

Hour glass

Lifetime limits

A lifetime limit is the total amount any insurer can help with the bill for an item or service over your lifetime. At ahm, lifetime limits only apply to orthodontics and laser eye surgery. When you reach this limit, we can’t help with the bill for those services ever again, even if you change your cover. It’s important to remember that lifetime limits carry across providers. That means if you were to reach your lifetime limit at ahm, it would not reset if you switch to another insurance fund.

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Common questions

Find extras and hospital cover that suits your needs

Want both? We’ve got a range of extras and hospital cover options.