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The Best Health Insurance for Couples

Megan Fraser Fact Checked Updated: 27 November 2023
Types of Health Insurance

Understanding health insurance options for couples in Australia can be challenging, with many nuances to consider. Opting for a combined policy can offer benefits over managing separate ones. It’s crucial to be well-informed about specifics like Hospital and Extras policies and ambulance cover across different states. Take your time navigating health insurance.

If you’re currently researching or comparing various insurance options, this guide will provide you with a detailed overview of couples health insurance. Our goal is to explore the benefits, coverage expectations, and provide expert insights to help you make the best decision for your future together.

Key facts

  • A combined policy ensures that both partners receive the same level of coverage, offering uniformity in treatments and services.
  • For couples, it’s essential to compare various plans, consider the range of coverage options, evaluate premiums, and read customer reviews to make an informed decision.
  • For those seeking a comprehensive health insurance solution, a combined policy that merges the benefits of both Hospital and Extras Cover would be ideal.

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Understanding couples cover

Joint health insurance for couples can be a convenient and cost-effective option, but it’s important to weigh the costs and benefits of separate policies as well. Make sure to carefully compare your options to ensure both you and your partner’s health needs are met.

Benefits of couples health insurance 

Types of Couples Health Insurance

Choosing the right health insurance is crucial for couples, as it ensures both partners receive the care they need while potentially offering cost savings. To make an informed decision, it’s essential to understand the different types of couples health insurance available:

Hospital Cover

Hospital Cover is divided into different tiers: Basic, Bronze, Silver, Gold, and ‘Plus’. Each tier is designed to meet various health needs with varying levels of coverage. Hospital Cover offers the benefit of private treatment for couples in either a private or public hospital. This allows them to avoid long public waiting lists and choose their preferred doctors for greater flexibility.
However, being aware of any waiting periods associated with certain treatments is crucial. Additionally, understanding the specific treatments and services covered by the policy and any exclusions can prevent surprises.

Extras Cover

Although Medicare offers basic health coverage, medical services are still not covered. This is where Extras Cover becomes important. It offers insurance for necessary out-of-hospital services such as dental treatments, optical care, physiotherapy, and chiropractic treatments. Similar to Hospital Cover, there may be waiting periods for certain services under Extras Cover before they can be claimed. Becoming acquainted with the specific services covered and any possible exclusions is also crucial.

Combined Policy

A combined policy would be your best option if you want an all-encompassing health insurance solution. It merges the benefits of Hospital Cover and Extras Cover, providing couples with comprehensive coverage for various medical needs.

Compare couples health insurance policies

Provider/Insurer NameCombined Hospital CoverageMedium ExtrasKey Features/Unique OfferingsPrice Range
AHMClassic Flexi Silver PlusDental, Optical, Physio, Chiro, Natural TherapiesFlexi Limit, No Preferred Provider Scheme, Unlimited Emergency Ambulance, Gap Cover$470.60
Australian Unity 150x75 TBAdvantage Choice Combination (Silver Plus)Dental, Optical, Physio, Chiro, Podiatry, Acupuncture, Remedial Massage, Chinese Medicine, Dietetics, Eye Therapy, Occupational Therapy, Speech TherapyPreferred Provider Benefits, Unlimited Emergency Ambulance, Gap Cover, Excess Waived for Accidents$490.50
Peoplecare logoSilver Hospital $750 & Simple ExtrasDental, Optical, Physio, Chiro, Exercise Physiology, Eye Therapy, Health Management, Occupational Therapy, OsteopathyNational Ambulance Cover, Health Management Benefits, 24×7 Online Member Services, Easy Claiming Options$392.47
Medibank 150x75 1 removebg previewSilver Plus FamiliesDental, Optical, Physio, Chiro, Podiatry, Endodontic, Orthodontic, Major Dental, Remedial Massage, Chinese Medicine, Dietetics, Exercise Physiology, Speech TherapyAccidental Injury Benefit, Benefits for CPAP Device, Members’ Choice Extras Providers, Health Subscriptions, Health Screening Tests$470.00
AIA LogoSilver Hospital 750 and Base Set ExtrasGeneral Dental, Physiotherapy, Chiropractic, Psychology, Acupuncture, Remedial Massage, Exercise Physiology, OsteopathyAIA Vitality Membership, Excess Refund for Hospital Admission (Conditions Apply), No Gap Dental on Selected Services, Lower Treatment Costs at smile.com.au Dentists$360.97
Phoenix Health logo3 256x216 1Silver Everyday Hospital 750 & Kick Start Extras 50General Dental, Non PBS Pharmaceuticals, Physiotherapy, Chiropractic, Remedial Massage, Exercise Physiology, Osteopathy, VaccinationsAccess Gap Program, Hospital Care Programs, Full Ambulance Cover, No Preferred Provider Scheme$398.54

Source: Privatehealth.gov.au (August 2023; Premium estimates for two individuals living in NSW)

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Singles vs couples Health Insurance

When selecting health insurance, your relationship status plays a pivotal role in determining your premiums and potential rebates. It’s essential to accurately define your status, especially in situations where the lines might blur, such as when one partner works overseas for extended durations.

Definition of a Couple:

Definition of Single:

Best health insurance for couples

Choosing the right health insurance for couples is crucial. Compare plans from various providers and consider coverage options, premiums, and out-of-pocket costs. Read customer reviews and ask for recommendations to determine the quality of service. The best policy varies, so choose one that fits your unique circumstances and priorities.

IVF Cover for Couples

Trying to start a family can be a challenging and costly experience for many couples who struggle with infertility. In such situations, In Vitro Fertilisation (IVF) can offer a glimmer of hope, but the cost of IVF can often exceed $9,000 per cycle, which is a significant financial burden. However, choosing private health insurance that covers IVF treatments, like the Gold Hospital policies, can be a game-changer for couples.

These policies can cover the in-hospital expenses not covered by Medicare, which can reduce your out-of-pocket expenses by around $2,000 per IVF cycle. This financial relief can make the journey towards parenthood a bit more manageable for couples.

Frequently Asked Questions and Answers

  • How does couples health insurance differ from individual policies?

    Health insurance policies come in two types: couples and individual. Couples health insurance covers both partners under a single policy, which can make managing it easier and result in potential cost savings. Individual policies, on the other hand, cater specifically to the health needs of one person. Both types provide comprehensive health coverage, but the decision between them depends on relationship status and individual health needs.
  • What are the benefits of opting for couples health insurance?

    Choosing couples health insurance has many benefits. It ensures that both partners receive the same level of coverage, treatments, and services. Managing one policy together is easier than keeping track of two, and may even save money. Plus, if there are any updates or changes to the policy, they will be synchronized for both individuals.
  • What types of health insurance are available for couples?

    Couples have various health insurance options available. They can select “Hospital Cover” that gives advantages for private treatments in hospitals and is divided into categories like Basic, Bronze, Silver, Gold, and ‘Plus.’ “Extras Cover” is also available, which covers out-of-hospital services like dental and optical care that are not covered by Medicare. For those who want complete protection, a “Combined Policy” combines the benefits of both Hospital and Extras Cover.
  • What should couples consider when comparing health insurance policies?

    When couples are comparing health insurance policies, it’s important for them to prioritize their specific health needs and future plans. They should carefully examine the level of coverage offered, understand the specific treatments and services included, and take note of any exclusions. It’s also important to consider factors such as waiting periods, overall cost, and potential out-of-pocket expenses in order to choose a policy that offers comprehensive protection and good value.
  • How do relationship statuses like “single” and “couple” impact health insurance?

    When it comes to choosing health insurance, your relationship status can have a big impact on your decision. Couples may benefit from combined policies that offer both partners easier management, cost savings, and consistent coverage. However, singles may find that individual policies better suit their specific health needs. It’s important to accurately define your relationship status since it can affect premiums, potential rebates, and overall health insurance plan structure.

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