Couples health insurance

Compare couples health insurance to save yourself heaps of time and admin.

Smiling couple

We get it, it's probably easier to keep your adult admin in one place. Getting a joint health insurance policy can be a quick and easy way to minimise the amount of paperwork you and your partner have to do each year.

How much does health insurance for couples cost?

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.

Fund Policy Hospital Benefits Extras benefits Price Apply
nib helath insurance logo Basic Essential Hospital Plus and Core Extras
  • Dental surgery
  • Hernia and appendix
  • Joint reconstructions
  • Major dental
  • Optical
  • Physiotherapy

$106.02 Go to Site
Essentials Flexi Basic Plus
  • Dental surgery
  • Hernia and appendix
  • Joint reconstructions
  • Major dental
  • Optical
  • Physiotherapy

$210.30 Go to Site
nib helath insurance logo Basic Hospital + Basic Extras
  • Dental surgery
  • Joint reconstructions
  • Hernia and appendix
  • Emergency Ambulance
  • Dental
  • Physiotherapy
$212.49 Go to Site
Hospital Silver + Mid Extras
  • Dental surgery
  • Palliative care
  • Joint reconstructions
  • Major dental
  • Optical
  • Therapies
$279.75 Go to Site

Quotes are based on single individual with less than $90,000 income and living in Sydney.

Compare more health insurance for couples options in a few clicks

Use our free tool to compare couples health insurance quotes from Australian health funds side by side.

Things you need to know

1
You can choose from extras, hospital or both in a couples policy.
2
You'll still have solo extras limits.
3
You both have to have the same level of cover.

What counts as a couple for health insurance?

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.

Is it possible to combine benefit limits?

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.

Will combining our policies have any effect on our Medicare Levy Surcharge?

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.

What to look for in your couples policy

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:

  • Dig for some deals. Save some cash or grab some other perks by taking advantage of sign-up bonuses. Insurers will offer discounts, a free month of cover, waived waiting periods and other perks just to get your business. Tell them it’s for a couple and you may get double.
  • Eyeball your extras. If you go for an extras package, make sure it has something for both of you. You don’t want your partner going without her eyeglasses while you sit back and enjoy your remedial massages.
  • Pay upfront. If the two of you can scrounge up enough money to pay for a full year in advance, you might get some love from the insurer in the form of a discount.
  • Look closer to home. If you love your current policy, there’s no use giving up on it. Check if they have a couple’s policy, and try to negotiate a discount or other perks in return for bringing your partner to the party.

A few things to know about couples health insurance

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:

Money bag A couples health policy is no cheaper than two singles policies

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.

Thumbs down You could end up paying for protection you don't need

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 the woman needs to be covered for pregnancy, the man will also need to pay for his own pregnancy benefits.

Taking out two singles policies

Let’s see what you’ve gained:

  • You can be more nimble. If either one of you need extra protection down the road, that person can easily upgrade without the other having to wiggle out of a policy that’s suddenly become too expensive for them.

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:

You can still act on each other’s behalf

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.

You can streamline your charges

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.

You’re not missing out on the mythical “combined extras”

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.

What if we are planning to start a family?

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.
Picture: GettyImages

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8 Responses

  1. 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!

      Cheers,
      Jeni

  2. 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.

      finder.com.au is a comparison and information service and we are not permitted to provide our users with personalised financial advice or product recommendations.

      If you would like to compare couple policies from Australian health funds, please enter your details into 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 ‘Relevance’ menu on the top right side of the screen.

      You may find our guide to seniors health insurance helpful.

      All the best,
      Zubair

  3. 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 through finder.com.au, 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.

      Cheers,
      Zubair

  4. 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. finder.com.au is a comparison service and not an insurer. If you would like to receive a quote from an advisor for the funds in our panel, please complete the contact form at the top of the page.

      I hope this was helpful,
      Richard

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