Couples health insurance

Couples health insurance can vary by as much as $300 per month. Avoid paying more - compare your options.

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A couples health insurance policy isn't actually cheaper than two singles — that's just a myth — but it can save you double the amount of time and paperwork.

Our comparison tool can speed things up too. You can quickly see how much a policy costs, compare features and avoid paying for benefits you don't actually want.

Compare couples health insurance

The table below shows a selection of budget offerings from Finder partners. We've highlighted some of the key benefits, but if you click "More Info", you can see an in-depth look at which medical categories are covered.

Name Product Hospital benefits Extras benefits Price per month Hide CompareBox Apply
HCF My Future Basic Plus
    • Dental surgery
    • Hernia and appendix
    • Joint reconstructions
    • Preventative & General dental
    • Physiotherapy
    • Remedial massage
HCF members can get loyalty rewards and discounts across Australian stores.
Frank Freedom Saver Flexi-Bundle (Basic+)
    • Joint reconstructions
    • Hernia and appendix
    • Dental surgery
    • Preventative & General dental
    • Physiotherapy
    • Remedial massage
Qantas Basic Hospital + Basic Extras
    • Dental surgery
    • Joint reconstructions
    • Hernia and appendix
    • Emergency Ambulance
    • Dental
    • Physiotherapy
Get up to 120,000 points + Skip the waits for 2 & 6 month waiting periods.
ahm essentials flexi basic plus
    • Dental surgery
    • Hernia and appendix
    • Joint reconstructions
    • Major dental
    • Optical
    • Physiotherapy
Want 1 month free? Plus, any 2 & 6 month waits on extras waived. Promo code: 1MFREEWW. T&Cs apply.
HBF Bronze Hospital Plus + Flex 50
    • Dental surgery
    • Hernia and appendix
    • Joint reconstructions
    • Unlimited cover for preventative dental
    • Optical
    • Physiotherapy
Medibank Bronze Everyday + Healthy Start Extras
    • Diabetes management
    • Palliative care
    • Joint reconstructions
    • Major dental
    • Optical
    • Therapies
Get up to 40,000 points + Waive 2 & 6 months waiting periods. Promo Code: LIVEBETTER. T&Cs apply.

Compare up to 4 providers

*All quotes are based on a couple living in Sydney with no lifetime health cover loading and a $750 excess. They do not include pregnancy cover.

Get a quote for couples health insurance

Enter your details below to see couples health insurance quotes from Finder partners. You can use the drop-down menu to filter policies that apply to your current needs.

Looking for a quick overview?

We get it, you're busy. So here's the 30-second summary:

Couples health insurance starts at around $40 a week for a basic hospital and extras policy.
Top tier cover, which covers pregnancy, will be around $100-$125 a week
You and your partner will still have separate limits for extras benefits
For a couples policy, both partners have to be on the same level of cover
Couples insurance won't be any cheaper than buying two singles policies.

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. A hospital policy will cover in-hospital treatment and an extras policy will help with more routine healthcare such as dental or optical appointments. A combined policy will cover both.

Hospital policies. You'll have four different levels 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.

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.

How do we compare couples health insurance?

There are some key features to keep an eye on when comparing couples health insurance.

  • Tier. Hospital policies come in four tiers. Each tier must cover specific health categories. The higher the level, the more categories covered. The tier of your policy is one of the most important factors to consider when choosing health insurance.
  • Benefits. If your hospital policy is a "plus" policy, it is essentially "in between" tiers and has extra benefits. Keep an eye on which benefits you're getting as you don't want to pay more for health categories you won't use.
  • Excess. All hospital policies come with an excess. This is the amount you have to pay before the insurer will start helping. The higher the excess, the lower the premium, but the more you'll be out of pocket if you have to claim.
  • Waiting periods. Both hospital and extras policies come with waiting periods. This is the length of time you have to wait between buying your policy and being able to claim on specific health categories. Look for shorter waiting periods or deals that waive them altogether.
  • Annual limits. Extras policies have annual limits on the amount you can claim per health service. Higher limits are great if you regularly use those services, but you'll also pay more.
  • Price. It goes without saying, but pay close attention to price. A basic hospital and extras policy should cost from $60-$90 while a top tier policy should cost from $150-190 a month.

Couples health insurance comparison

The table below is a quick way to compare couples hospital insurance across different tiers. The average cost displayed is for both people.

Categories covered3 restricted categories18 categories + 3 restricted26 categories + 3 restrictedAll 38 categories covered
Average cost$120 - $180$160 - $220$200 - $320$300 - $380
Any hot tipsahm Starter

(Basic) Base Hospital $500 Excess with Co-Payment

(Bronze plus)

CUA Health Limited Standard Hospital $500 Excess

(Silver plus)

HCF Hospital Gold $500 excess


Get quoteMore infoMore infoGet quote

*Hot tips were chosen by looking at Finder partners to see which policies offered the most value in treatments compared to price. Quotes were based on a single person with a $500 excess.

Is couples health insurance cheaper?

No. That's actually a big misconception. Couples health insurance will be the same price as two single policies as long as they're from the same insurer and exactly the same standard.

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.

In fact, couples health insurance might actually end up costing more money than two single policies. That's because both partners have to be on the same level of cover.

This means some people end up buying more comprehensive cover than they really need and ultimately paying more money for it too.

This typically happens when a couple is looking for pregnancy and childbirth cover. Only the partner planning on giving birth needs to have gold-level cover.

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 and pregnancy

If you want to have a baby through the private healthcare system, there is no requirement for both partners to have a gold-tier policy. Only the partner who is planning on getting pregnant and giving birth needs to have a gold-tier policy in order to claim money back.

That means one partner could take out a gold-tier policy while another had a lower level of cover, and you could save money. This isn't possible with couples health insurance as both partners have to be on the same level of cover.

However, there are some benefits if both would-be parents have gold-tier policies, including cover for assisted reproductive services.

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.

What if we're a family?

If you have health insurance, 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're looking for a health insurance policy that is particularly good for people with children, there are a few features to look out for, including the following:

  • No excess on child hospital admissions
  • How long your child can stay on your policy
  • Cover that includes orthodontics


Save on your health insurance

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8 Responses

    Default Gravatar
    PaulaDecember 4, 2018

    I am looking for health and dental cover for my husband and I please

      Avatarfinder Customer Care
      JeniDecember 10, 2018Staff

      Hi Paula,

      Thank you for getting in touch with finder.

      You’re currently at the right page. Kindly select the answer that suits your needs most. For example, if you require orthodontics health cover then you must choose hospital and extras then enter your postcode then click on the orange Search Policies button to start comparing your options. Please note that with most insurance policies, you can choose how basic or comprehensive you want your dental cover to be.

      I also suggest that you contact your top 3 chosen insurers for further assistance on choosing the policy for you and your husband.

      I hope this helps.

      Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!


    Default Gravatar
    JoApril 3, 2017

    I went on your website to compare the market but got confused.

    My husband is 70yrs old I am 60. We have cover with HCF paying 240.00per month. We rarely claim anything. I want to know is there a fund cheaper which will cater for senior

      Avatarfinder Customer Care
      ZubairApril 4, 2017Staff

      Hi Jo,

      Thank you for your question and sorry to hear you’re having trouble comparing your options. is a comparison and information service and we are not permitted to provide our users with personalized financial advice or product recommendations.

      If you would like to compare couple of policies from Australian health funds, please enter your details into the quote comparison tool on this page.
      Once you have done you can sort your search results for cheap policies by selecting the option ‘Price (low to high)’ under the ‘Relevance’ menu on the top right side of the screen.

      You may find our guide to seniors health insurance helpful.

      All the best,

    Default Gravatar
    AngelaMarch 9, 2017

    Join a restricted membership fund. If you are eligible, premiums are usually lower and benefits are higher.

    Who and what are a restricted membership fund?

      Avatarfinder Customer Care
      ZubairMarch 10, 2017Staff

      Hi Angela,

      Thank you for your question.

      Restricted health funds are the funds where membership is restricted to certain people. They are usually operated by industry or employment groups and are not-for-profit, being run solely for the benefit of their members. You can apply for cover to two restricted health funds, namely CBHS and Teachers Health Fund.

      You may find our restricted health fund guide helpful. The table on that guide lists all the restricted health funds and conditions for joining these funds.


    Default Gravatar
    JanMarch 30, 2016

    Quote for couple top hospital and top doctors. Price per month direct debit. Also names of hospital that is covered by your fund for etc St. vIncents private Lismore, Ballina PRivate Hospital and John Flynn Private Hospital Qld.

      Avatarfinder Customer Care
      RichardMarch 30, 2016Staff

      Hi Jan,

      Thanks for getting in touch.

      You may get top hospital cover from a selection of insurance brands that offers gold hospital policies.

      Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement PDS/T&C’s of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

      I hope this was helpful,

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