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Couples health insurance

Couples health insurance can be as cheap as $45 per week – a couples policy is less hassle than 2 single policies, but you won't save money by being on a shared plan.

What you need to know

  • Couples health insurance covers two people at the same level of cover.
  • Couples cover is really convenient, but you may be overpaying if you have different health needs.
  • You can often save money buying 2 single policies instead of a couples policy.
1 - 25 of 388
Name Product Treatments Price Apply
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +16 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Get 6 weeks free after 60 days + 2 weeks free after 12 months. For new joins on eligible hospital & extras by Dec 13. Find out how.
$205.74
per month
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +20 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
Get 6 weeks free on eligible combined Hospital and Extras cover. Domestic policies only. Terms and Conditions apply.
$207.78
per month
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +16 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +5 other treatments covered
Join AIA combined Hospital and Extras policy by 14 December to get a free e-gift card valued up to $600. On eligible products. T&Cs apply.
$212.85
per month
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +20 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Get 6 weeks free on eligible combined Hospital and Extras cover. Domestic policies only. Terms and Conditions apply.
$213.81
per month
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +20 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
Get 6 weeks free on eligible combined Hospital and Extras cover. Domestic policies only. Terms and Conditions apply.
$217.58
per month
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +16 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Get 6 weeks free after 60 days + 2 weeks free after 12 months. For new joins on eligible hospital & extras by Dec 13. Find out how.
$218.26
per month
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +16 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +5 other treatments covered
Join AIA combined Hospital and Extras policy by 14 December to get a free e-gift card valued up to $600. On eligible products. T&Cs apply.
$222.06
per month
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +20 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Get 6 weeks free on eligible combined Hospital and Extras cover. Domestic policies only. Terms and Conditions apply.
$223.61
per month
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +16 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Join AIA combined Hospital and Extras policy by 14 December to get a free e-gift card valued up to $600. On eligible products. T&Cs apply.
$226.72
per month
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +20 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +5 other treatments covered
Join AIA combined Hospital and Extras policy by 14 December to get a free e-gift card valued up to $600. On eligible products. T&Cs apply.
$227.85
per month
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +20 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +3 other treatments covered
Get 6 weeks free on eligible combined Hospital and Extras cover. Domestic policies only. Terms and Conditions apply.
$230.32
per month
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +22 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
$234.21
per month
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +16 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Join AIA combined Hospital and Extras policy by 14 December to get a free e-gift card valued up to $600. On eligible products. T&Cs apply.
$235.93
per month
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +20 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +5 other treatments covered
Join AIA combined Hospital and Extras policy by 14 December to get a free e-gift card valued up to $600. On eligible products. T&Cs apply.
$237.84
per month
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +20 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +3 other treatments covered
Get 6 weeks free on eligible combined Hospital and Extras cover. Domestic policies only. Terms and Conditions apply.
$240.12
per month
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +20 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Join AIA combined Hospital and Extras policy by 14 December to get a free e-gift card valued up to $600. On eligible products. T&Cs apply.
$241.72
per month
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +19 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
$243.59
per month
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +16 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +6 other treatments covered
Join AIA combined Hospital and Extras policy by 14 December to get a free e-gift card valued up to $600. On eligible products. T&Cs apply.
$243.97
per month
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +16 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +4 other treatments covered
$244.50
per month
Bronze Hospital $750/$1500 + Basic Extras
Bronze$750 excess
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +16 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Get up to $200 cash card + Waive 2-month waiting periods. Offer applies for new joins by 31 January. T&Cs apply. Promo Code: MYHIF
$247.81
per month
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +22 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
$248.91
per month
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +20 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +3 other treatments covered
Get 6 weeks free on eligible combined Hospital and Extras cover. Domestic policies only. Terms and Conditions apply.
$250.15
per month
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • +27 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
Get 6 weeks free on eligible combined Hospital and Extras cover. Domestic policies only. Terms and Conditions apply.
$251.51
per month
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +20 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Join AIA combined Hospital and Extras policy by 14 December to get a free e-gift card valued up to $600. On eligible products. T&Cs apply.
$251.71
per month
Bronze Plus Hospital $750/$1500 + Basic Extras
Bronze Plus$750 excess
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +20 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Get up to $200 cash card + Waive 2-month waiting periods. Offer applies for new joins by 31 January. T&Cs apply. Promo Code: MYHIF
$251.88
per month
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How does couples health insurance work?

Couples health insurance can help you and your partner with the cost of medical bills. You pay a regular premium and, in exchange, a percentage of your costs will be covered.

There are three types of policies to choose from: hospital, extras or combined.

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Hospital policies

There are four hospital tiers to choose from: basic, bronze, silver and gold. The higher the level, the better coverage you get. Both you and your partner need to be on the same level in order to qualify for couples health insurance.

Dental

Extras policies

Extras policies come with annual spending limits for specific benefits. These limits are per person. So if you have $200 each to spend on dental appointments, your partner wouldn't be able to use your portion and vice versa.

Health insurance

Combined policies

A health insurance policy that includes both extras and hospital cover is considered a 'combined' policy. Combined policies reduce your paperwork by having all your cover with one provider. That said, you are allowed to have hospital and extras cover with different funds – and it's often cheaper.

Is couples health insurance cheaper than 2 single policies?

No, a couples health insurance policy isn't cheaper than having 2 single policies – it's typically the same price if you choose the same cover. A couples policy can be more convenient because you only have to apply once and maintain one direct debit, but it won't cost any less than two individual policies.

Having 2 single health insurance policies may actually save you money, because one of you may be able to opt for a cheaper policy. For example, if only one person needs pregnancy cover, having a couples policy would have you unneccessarily paying for pregnancy cover for both of you.

Of course, if both partners want the benefits offered by a gold-tier policy, there's no harm in taking out a joint policy. In addition to pregnancy and childbirth benefits, gold-tier policies also cover weight-loss surgery, joint replacements and more.

Icon to represent the cost of health insurance
Did you know?
Finder surveyed 1,017 Aussies and just 36% knew two single policies were the same price as a couples policy.

How couples health insurance works with tax

Couples health insurance affects tax in the following ways:

  • Lifetime health cover loading: The lifetime health cover of both policyholders will be averaged and then applied to the policy. That means if your partner has a 10% loading fee, but you don't have any, your couples policy will be subject to a 5% charge.
  • Medicare levy surcharge: If you earn more than $180,000 as a couple, you'll be subject to a surcharge of between 1% and 1.5%. However, if you buy a health insurance policy with an excess of $1,500 or less you could save money.

Couples health insurance vs family insurance

If you have children, then your best bet is to sign up for a family health insurance policy, rather than a couples policy.

On a family policy your children can be covered at no extra cost, as long as you inform your insurer and officially add them to your policy. If you on your own with kids, then single parent health insurance is what you should look for.

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