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Looking for couples health insurance? You've come to the right place. This guide will explain how to find a policy for two, which fits the needs of both you and your partner.
In just a few minutes, you'll know how much a joint policy costs, how to compare features and how to avoid paying for benefits you don't actually want.
Psst! Have you heard the little rumour that a couples policy is cheaper than two singles? It's actually just a myth! They're exactly the same price.
Compare couples health insurance
If you're looking for a low-cost policy, 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.
*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:
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 covered||3 restricted categories||18 categories + 3 restricted||26 categories + 3 restricted||All 38 categories covered|
|Average cost||$120 - $180||$160 - $220||$200 - $320||$300 - $380|
|Any hot tips||ahms Starter |
|Health.com.au Base Hospital $500 Excess with Co-Payment|
|CUA Health Limited Standard Hospital $500 Excess|
|HCF Hospital Gold $500 excess|
|Go to Site||Go to Site|
*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
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