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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.
anThere are four hospital tiers 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 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.
A health insurance policy that includes both extras and hospital cover is considered a 'combined' policy. Combined policies reduce your paperwork by having all your cover with one provider. That said, you are allowed to have hospital and extras cover with different funds – and it's often cheaper.
No, a couples health insurance policy isn't cheaper than having 2 single policies – it's typically the same price if you choose the same cover. 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.
Having 2 single health insurance policies may actually save you money, because one of you may be able to opt for a cheaper policy. For example, if only one person needs pregnancy cover, having a couples policy would have you unneccessarily paying for pregnancy cover for both of you.
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.
Couples health insurance affects tax in the following ways:
If you have children, then your best bet is to sign up for a family health insurance policy, rather than a couples policy.
On a family policy 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 on your own with kids, then single parent health insurance is what you should look for.
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