You can choose from extras, hospital or both in a couples policy.
You'll still have solo extras limits.
You both have to have the same level of cover.
We get it, it's probably easier to keep your adult admin in one place. Getting a joint health insurance policy can be
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. They do not include pregnancy cover.
Quotes are based on single individual with less than $90,000 income and living in Sydney.
Use our free tool to compare couples health insurance quotes from Australian health funds side by side.
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.
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.
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.
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:
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:
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.
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 one of you needs to be covered for pregnancy, the partner will also need to pay for pregnancy benefits.
Let’s see what you’ve gained:
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:
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.
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.
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.
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.
finder.com.au is one of Australia's leading comparison websites. We compare from a wide set of banks, insurers and product issuers. We value our editorial independence and follow editorial guidelines.
finder.com.au has access to track details from the product issuers listed on our sites. Although we provide information on the products offered by a wide range of issuers, we don't cover every available product or service.
Please note that the information published on our site should not be construed as personal advice and does not consider your personal needs and circumstances. While our site will provide you with factual information and general advice to help you make better decisions, it isn't a substitute for professional advice. You should consider whether the products or services featured on our site are appropriate for your needs. If you're unsure about anything, seek professional advice before you apply for any product or commit to any plan.
Products marked as 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money here.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labelling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan, we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.