You can choose from extras, hospital or both in a couples policy.
You'll still have solo extras limits.
You both have to have the same level of cover.
We get it, it's probably easier to keep your adult admin in one place. Getting a joint health insurance policy can be
Looking for a benchmark price? These policies from Finder partners all offer great value for money if you're looking for a basic to mid-level health insurance policy. All quotes are based on a couple living in Sydney with $500 excess. They do not include pregnancy cover.
|Fund||Policy||Hospital Benefits||Extras benefits||Price||Apply|
|Essentials Flexi Basic Plus||$210.30||Go to Site|
|Basic Hospital + Basic Extras||$212.49||Go to Site|
|Basic Essential Hospital Plus and Core Extras||$215.02||Go to Site|
|Medibank Bronze Everyday + Healthy Start Extras||$215.80||Go to Site|
|Entry Hospital+ Active 60||$235.76||Go to Site|
|Hospital Silver + Mid Extras||$279.75||Go to Site|
Use our free tool to compare couples health insurance quotes from Australian health funds side by side.
For purposes of health insurance, a couple is considered any two people who are married, in a registered relationship or in a defacto relationship. You may be required to provide evidence of your status.
Unfortunately, most benefits have "per person" limits. So even on a dedicated couple’s policy, one partner can’t blow through their limits and then tap into the other person’s benefits. So if you were hoping you could both swap your extras around to make them go farther, you’re out of luck.
No. Your Medicare levy and Medicare levy surcharge obligations are calculated based on your official status as a couple and on your level of cover. It doesn’t have anything to do with how any particular insurer has decided to bundle their products.
So you’ve decided to go for it. Having the same level of cover as your partner makes sense, and you’ll take any little convenience you can get. Let’s look at some ways you can get the most bang for your buck:
There are a few things insurers don't tell you. When you dig into the details, you’ll find there isn’t much to a couples product that sets it apart:
Private health insurance in Australia hinges on the principle of "community rating", meaning insurers can’t charge one person more than another for the same policy. Offering you a discount just because you’ve joined someone else’s policy wouldn’t be fair to all the other singles out there.
A couples policy requires both people to have the same level of protection. If one of you needs a more expensive policy, then the other person will have to pay the same rate. Case in point: if one of you needs to be covered for pregnancy, the partner will also need to pay for pregnancy benefits.
Let’s see what you’ve gained:
If you’re wondering what you’re giving up, the answer is: not much. But if you’re still concerned, here are a few reasons why you shouldn’t be:
By joining a couples policy, you’ll automatically have authority to speak on each other’s behalf and make changes to the policy. But you can do something similar on separate policies. Simply fill out a delegated authority form for each policy, and you’ll be granted with many of the same authorisations.
A combined policy will conveniently send you one combined bill, payable via a combined direct debit. Although you can’t do exactly this with separate policies, you can get close. Just have both bills debited on the day using the same card by requesting that your individual providers change your payment date and funding sources.
Let’s say you’re more likely to visit the dentist while your partner visits a physio more than you do. It’s tempting to think a combined policy will let you tap into each other’s benefit limits to make them go farther. But that’s not the way it works. With a combined policy, the benefit limits are applied on a "per person" basis. Nothing to be gained here.
Remaining on two separate singles policies makes sense especially if you’re planning to start a family, so just wait after the baby’s born to sort everything out.
This will keep you from paying double for pregnancy cover. But more importantly, your baby’s insurance needs will be fully met from their date of birth even if you organise their cover later.
You or your partner’s existing insurer will let you wait until after your child’s birth (usually around two months after delivery) to add them as a dependent the singles policy or to upgrade everyone onto a family policy. They’ll backdate the baby’s start date to his or her date of birth so there’s no gap in protection.
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