Couple holding hands

Couples health insurance

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 a quick and easy way to minimise the amount of paperwork you and your partner have to do each year.

Let's jump in and explore your options.

Compare health insurance for couples in a few clicks

Use our tool to compare couples health insurance quotes and cover options from over 30 Australian health funds.

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.

Breakdown of singles vs couples health insurance costs and inclusions

ProvidersPolicy nameSingles Price*Couples PriceSavings
ACABare Essentials$90.99$181.99$0.01
AHMClassic$105.40$210.85$0.05
ApiaEssential Hospital$126.21$252.40-$0.02
Australian UnityMid Hospital$111.05$222.15$0.05
Budget DirectMid Hospital$91.20$182.45$0.05
Bupa HealthBudget Hospital$93.95$187.95$0.05
CBHS Health FundLimited Hospital 70$97.09$194.18$0.00
CBHS CorporateSilver Hospital$133.81$267.61-$0.01
CDHSilver Hospital Cover$126.31$252.62$0.00
CUAStandard Hospital$102.67$205.33-$0.01
Defence HealthValue Hospital 400$118.36$236.71-$0.01
Doctors Health FundSmart Starter$86.48$172.96$0.00
Emergency Service HealthLifelong Hospital$157.78$315.57$0.01
Frank Health InsuranceBest Hospital$138.63$277.26$0.00
GMHBAGold Hospital Level 2$145.32$290.64$0.00
GU HealthDiamond Hospital 500$101.51$203.02$0.00
HBFMid Family Hospital Cover$144.62$289.20-$0.04
HCFMid Hospital 500$101.25$202.50$0.00
Health CarePremier Hospital$170.61$335.48-$5.74
Health PartnersGold Value Hospital$137.27$274.53-$0.01
health.com.auCore Hospital$139.75$279.49-$0.01
HIFGoldVital Hospital$70.48$140.97$0.01
Latrobe HealthBasic hospital cover$100.02$200.04$0.00
MedibankHospital Essentials$74.62$149.24$0.00
Mildura Health FundBasic Hospital$97.93$195.86$0.00
Navy HealthCore Hospital 500$112.71$225.43$0.01
nibStandard Hospital 500$108.23$216.45-$0.01
Nurses and Midwives HealthMid Hospital 300$109.40$218.84$0.04
OnemedifundPrivate Plus Hospital$154.02$308.04$0.00
PeoplecareBasic Hospital$87.53$175.05-$0.01
Phoenix Health FindMid Hospital$119.41$238.83$0.01
Police HealthTop Hospital$153.40$306.80$0.00
Qantas AssureMid Hospital$109.44$218.87-$0.01
Reserve Bank Health SocietyGold Hospital$167.34$334.68$0.00
RT Health InsuranceStep Up Hospital$114.00$228.00$0.00
St. LukesHealthHospital 1000$125.53$251.05-$0.01
Teachers HealthMid Hospital 500$99.16$198.31-$0.01
TUHBudget Hospital$95.07$185.40-$4.74
Westfund HealthGold Hospital 500$157.80$315.82$0.22
ProvidersPolicy nameSingles PriceCouples PriceSavings
ACALite Cover$32.36$64.720.00
AHMLife Style$49.85$99.700.00
ApiaEssential Plus Extras$44.94$87.20-2.68
Australian UnityBronze Extras$30.55$61.150.05
Budget DirectBasic Extras 55%$32.90$65.850.05
Bupa HealthYour Choice Extras$37.35$74.700.00
CBHS Health FundIntermediate Extras$35.97$71.940.00
CBHS CorporateSilver Extras$47.00$93.98-0.02
CDHSupplementary Cover$72.95$145.900.00
CUAEssential Extras$22.12$44.250.01
Defence HealthEssentials Extras$22.01$44.020.00
Doctors Health FundEssential Extras$51.50$103.050.05
Emergency Service HealthLifelong Extras$97.30$194.59-0.01
Frank Health InsuranceSome Extras 80%$39.44$78.880.00
GMHBASilver Extras$39.08$78.15-0.01
GU HealthSilver Cover$101.44$202.87-0.01
HBFSaver Flexi Extras Cover$29.54$59.110.03
HCFSilver Plus Extras$28.75$57.510.01
Health CareActive Life Extras$27.82$55.60-0.04
Health PartnersSilver Extra$37.43$74.85-0.01
health.com.auExtras 50$52.59$105.190.01
HIFSpecial Options$39.83$79.36-0.30
Latrobe HealthBA: Basic Ancillary table$26.49$52.97-0.01
MedibankHealthy Start Extras$24.17$48.30-0.04
Mildura Health FundAncillary Plus and Dental$45.20$90.400.00
Navy HealthHealthy Living Extras$45.96$91.920.00
nibCore, Wellbeing and Young at Heart Extras$63.56$124.41-2.71
Nurses and Midwives HealthTop Extras$56.72$113.440.00
OnemedifundBasic Extras$37.70$75.39-0.01
PeoplecareMid Extras$48.00$96.010.01
Police HealthSureCover Extras$82.05$164.100.00
Qantas AssureLifestyle Extras$58.62$115.47-1.77
Reserve Bank Health SocietyExtras Cover$133.45$266.910.01
RT Health InsuranceSmart Extras$50.51$101.01-0.01
St. LukesHealthBudget Extras$22.67$45.350.01
Teachers HealthEssential Extras$36.55$73.110.01
Transport HealthHealthy Choice Extras$37.67$75.33-0.01
TUHMid Range Extras$44.46$88.03-0.89
Westfund HealthValue Extras$21.04$42.07-0.01

*Singles price is based on a single male living in the State of New South Wales in April 2018. Couples policy based on living in NSW in April 2018.

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.

Providers Policy name Couples Price Included Extras + Limits - Singles Included Extras + Limits - Couples (per person)
ACA Lite Cover $64.72 Physiotherapy:$300 Dental: $700 Optical:$200 Physiotherapy:$300 Dental: $700 Optical:$200
AHM Life Style $99.70 Physiotherapy:$350 Dental: $500 Optical:$200 Physiotherapy:$350 Dental: $500 Optical:$200
Apia Essential Plus Extras $87.20 Physiotherapy:$450 Dental: $700 Optical:$300 Physiotherapy:$450 Dental: $700 Optical:$300
Australian Unity Bronze Extras $61.15 Physiotherapy:$400 Dental: $600 Optical:$200 Physiotherapy:$400 Dental: $600 Optical:$200
Budget Direct Basic Extras 55% $65.85 Physiotherapy:$400 Dental: $500 Optical:$120 Physiotherapy:$400 Dental: $500 Optical:$120
Bupa Health Your Choice Extras $74.70 Physiotherapy:$450 Dental: $700 Optical:$260 Physiotherapy:$450 Dental: $700 Optical:$260
CBHS Health Fund Intermediate Extras $71.94 Dental:$730 Optical:$250 Physiotherapy:$300 Dental:$730 Optical:$250 Physiotherapy:$300
CBHS Corporate Silver Extras $93.98 Physiotherapy: $300.00 Dental: $730 Optical: $250.00 Physiotherapy: $300.00 Dental: $730 Optical: $250.00
CDH Supplementary Cover $145.90 Dental: N/A Optical: N/A Physiotherapy: $700 Dental: N/A Optical: N/A Physiotherapy: $700
CUA Essential Extras $44.25 Dental: $400 Optical: $150 Physiotherapy: $250 Dental: $400 Optical: $150 Physiotherapy: $250
Defence Health Essentials Extras $44.02 Dental:$500 Optical:$170 Physiotherapy:$450 Dental:$500 Optical:$170 Physiotherapy:$450
Doctors Health Fund Essential Extras $103.05 Dental:$1600 Optical:$500 Physiotherapy: $900 Dental:$1600 Optical:$500 Physiotherapy: $900
Emergency Service Health Lifelong Extras $194.59 Dental: N/A Optical: $300 Physiotherapy: $850 Dental: N/A Optical: $300 Physiotherapy: $850
Frank Health Insurance Some Extras 80% $78.88 Dental: $500 Optical: $120 Physiotherapy: $400 Dental: $500 Optical: $120 Physiotherapy: $400
GMHBA GMHBA Silver Extras $78.15 Dental: $1500 Optical: $200 Physiotherapy: $400 Dental: $1500 Optical: $200 Physiotherapy: $400
GU Health Silver Cover $202.87 Dental:N/A Optical: $200 Physiotherapy: $500 Dental:N/A Optical: $200 Physiotherapy: $500
HBF Saver Flexi Extras Cover $59.11 Dental: $500 Optical: $150 Physiotherapy: $300 Dental: $500 Optical: $150 Physiotherapy: $300
HCF Silver Plus Extras $57.51 Dental: $650 Optical: $200 Physiotherapy: $350 Dental: $650 Optical: $200 Physiotherapy: $350
Health Care Active Life Extras $55.60 Dental: $500 Optical: $220 Physiotherapy: $400 Dental: $500 Optical: $220 Physiotherapy: $400
Health Partners Silver Extra $74.85 Dental: N/A Optical:$200 Physiotherapy:$450 Dental: N/A Optical:$200 Physiotherapy:$450
health.com.au Extras 50 $105.19 Dental: $500 Optical: $200 Physiotherapy: $350 Dental: $500 Optical: $200 Physiotherapy: $350
HIF Special Options $79.36 Dental:$1000 Optical:$140 Physiotherapy:$450 Dental:$1000 Optical:$140 Physiotherapy:$450
Latrobe Health BA: Basic Ancillary table $52.97 Dental:$1000 Optical:$140 Physiotherapy:$450 Dental:$1000 Optical:$140 Physiotherapy:$450
Medibank Healthy Start Extras $48.30 Dental: $500 Optical: $150 Physiotherapy: $500 Dental: $500 Optical: $150 Physiotherapy: $500
Mildura Health Fund Ancillary Plus and Dental - A1D $90.40 Dental: $1000 Optical: $220 Physiotherapy: $540 Dental: $1000 Optical: $220 Physiotherapy: $540
Navy Health Healthy Living Extras $91.92 Dental:N/A Optical:$260 Physiotherapy:$600 Dental:N/A Optical:$260 Physiotherapy:$600
nib Core, Wellbeing and Young at Heart Extras $124.41 Dental: $600 Optical: $250 Physiotherapy: $350 Dental: $600 Optical: $250 Physiotherapy: $350
Nurses and Midwives Health Top Extras $113.44 Dental: N/A Optical: $260 Physiotherapy: $800 Dental: N/A Optical: $260 Physiotherapy: $800
Onemedifund Basic Extras $75.39 Dental: $550 Optical: $180 Physiotherapy: $350 Dental: $550 Optical: $180 Physiotherapy: $350
Peoplecare Mid Extras $96.01 Dental:$750 Optical:$200 Physiotherapy:$350 Dental:$750 Optical:$200 Physiotherapy:$350
Police Health SureCover Extras $164.10 Dental:N/A Optical:$330 Physiotherapy:$850 Dental:N/A Optical:$330 Physiotherapy:$850
Qantas Assure Lifestyle Extras $115.47 Dental:$600 Optical:$250 Physiotherapy:$350 Dental:$600 Optical:$250 Physiotherapy:$350
Reserve Bank Health Society Extras Cover $266.91 Dental: N/A Optical: $460 Physiotherapy: $1000 Dental: N/A Optical: $460 Physiotherapy: $1000
RT Health Insurance Smart Extras $101.01 Dental: $1000 Optical: $250 Physiotherapy: $450 Dental: $1000 Optical: $250 Physiotherapy: $450
St. LukesHealth Budget Extras $45.35 Dental: $500 Optical: $200 Physiotherapy: $500 Dental: $500 Optical: $200 Physiotherapy: $500
Teachers Health Essential Extras $73.11 Dental:$500 Optical:$165 Physiotherapy:$300 Dental:$500 Optical:$165 Physiotherapy:$300
Transport Health Healthy Choice Extras $75.33 Dental: $500 Optical: $225 Physiotherapy: $400 Dental: $500 Optical: $225 Physiotherapy: $400
TUH Mid Range Extras $88.03 Dental: $600 Optical: $200 Physiotherapy: $600 Dental: $600 Optical: $200 Physiotherapy: $600
Westfund Health Value Extras $42.07 Dental:$400 Optical:$160 Physiotherapy: $200 Dental:$400 Optical:$160 Physiotherapy: $200

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: Brooke cagle - Unsplash

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6 Responses

  1. 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

    • finder 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

  2. 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?

    • finder 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

  3. 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.

    • finder 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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