Can couples have different levels of health insurance cover?

If you have couples cover, then you'll have to both have the same level of hospital and extras cover. This can sometimes mean that you're paying for cover you don't need - for example if only one of you need cover for child birth. There's nothing stopping you from taking out two separate single policies. In fact, you can often save money by customising your cover like this.

What happens to couples health insurance if we have a child?

A couples health insurance policy won't cover children - you'll need to move to a family policy. This will cost slightly more than a couples policy, but it will cover your children at least up to their 18th birthday. Most health funds actually let you keep you children on your health policy until later than that though.

Do couples policies have separate limits on extras?

Yes, couples health insurance policies have separate limits on extras - that means no mixing and matching with your partner. You may be able to get more customised and cheaper cover if you opt for having separate extras policies.

What happens to a couples policy if we break up?

If you break up with your partner, contact your insurance company as soon as possible. It's likely you'll be able to switch to a single policy without re-serving waiting periods.