Compare couples health insurance to save yourself heaps of time and admin.
We get it, it's probably easier to keep your adult admin in one place. Getting a joint health insurance policy can be
Couples policies don't always work out cheaper as you normally get a per person (rather than a combined) limit - but it's a lot easier to figure out when you are both on the same level of cover.
Compare health insurance for couples
Use our tool to compare couples health insurance quotes and cover options from over 30 Australian health funds in just a few clicks.
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 or 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:
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.
You could end up paying for protection you don't need
A couples policy isn’t very flexible and 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. You know, in case he ever needs to use them!
There are some administrative conveniences, but they’re not everyone
If you’re cool with not saving money and you both have the same insurance needs, then maybe you can eek out some logistical conveniences like receiving only a single bill and having mutual authority over the policy. But as you’ll see in the next section, you can use some workarounds to achieve similar results with two separate policies.