The Best Health Insurance for Couples

Published: July 14, 2017

If you’ve recently gotten married or moved in with your significant other, you’re probably wondering if you should keep your current health insurance or take out a new policy that will provide cover for you both. On the other hand, maybe you’ve separated or your kids have left the nest, and you’re investigating which health policy will suit your new circumstances.

Whichever scenario describes you, we will help you compare the different brands that are available, so you can decide which one best suits you.

Couples health cover

  • Young couples
  • Older couples
  • Compare cover

Cover by type

  • Married couples
  • Unmarried couples
  • Gay couples

Health Insurers

  • Apia
  • nib
  • Medibank

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Why take out health insurance for couples?

Health Insurance offers you the following benefits:

  • Saves you time on your paperwork because you’ll only have one policy to maintain.
  • You do not have to pay the annual 2% Lifetime Health Cover loading fee that Australians must pay if you do not have private health cover after age 31.
  • When your joint income exceeds $180 000 annually, you won’t have to pay the 1% to 1.5% Government Medicare Levy surcharge.

Best Health insurance for young couples

Young people between the ages of 15 and 24 might want to consider private health insurance to help pay the costs of common extras like dental and optical. The right level of hospital cover provides peace of mind, so you don’t have to worry about waiting lists, or paying out-of-pocket expenses when on a tight budget.

Bupa’s Health Insurance might be an option to consider. Their Simple Start option offers basic cover, including hospital and extras, and is the most affordable option with prices ranging from as little as $20.95 per week, depending on where you live.

Best health insurance for older couples

Partners aged 55 – 79 benefit the most by having Couples Extras Cover, receiving an average $600 benefit per person. However, as an older couple, you need to consider how a combined policy will benefit your individual needs and if it fits your budget.

Couples health insurance comparison

Every partnership is different, which is why variety options should be considered to find the best policy to suit your needs. Generally, health insurance consists of:

  • Hospital Cover: Basic cover with your choice of doctor and hospital accommodation, and includes doctors’ fees, theatres and medical expenses.
  • Extras Cover: Provides for services like optical, dental and physiotherapy. Chiropractic, Pharmacy and natural therapies could also be included, depending on the policy you choose.
  • Ambulance Cover: This may be available separately, combined or even covered by your state government, so it is important that you carefully read and understand your policy documents.

Different couple types should consider different health insurance policies. Below are some options for you to review.

Health insurance for couples that are married

If a couple’s policy suits you best, you can select one with a combined annual limit. This allows you and your partner the freedom to choose the services you need. However, you will still benefit from the lower costs of a joint fund.

However, first consider both your ages and prior insurance status.  A 2% cost is added for each year after your 31st birthday if you do not yet have private health insurance. This means that your premiums will be 2% higher than the base cost of cover. So, if one of you does not yet have private health cover and you’re older than 31, decide if buying a joint cover is really the most affordable option.

Health insurance for unmarried couples

Many people live together outside of marriage. Depending on your living arrangements, you can choose whether to buy cover together or whether each member will have his or her own policy.

The Australian government provides a rebate to most people who are covered by health insurance. This rebate is tested against your income.  Whether you are in a de facto relationship (living together but unmarried) or a registered relationship (unmarried but registered under Australian law as a couple), you will be subject to the family income thresholds when determining your income for the purpose of rebates.

Health insurance for couples living together

When unmarried but living with your partner (a de facto relationship) or if your relationship has been registered as a lawful civil union, you could apply for Couples Health Insurance de Facto.

Couples Health Insurance de Facto offers partners the same rights and obligations as married people. A quick update to your de Facto policy will be all that is required when your relationship status changes.

Health insurance for gay couples

Gay couple Health Insurance ensures that same-sex partners are offered the same health insurance cover as any other couple. As a gay twosome, you are eligible to share the same health insurance benefits and entitlements that Health Insurance de facto and married heterosexual partners are offered.

Some popular Health Insurances for Gay Couples include

  • HIF: Offers health cover to Gay, Lesbian, Transgender, Bisexual and Intersex communities.
  • Medibank: Celebrates diversity by offering joint cover, and is a partner to the Sydney Gay and Lesbian Mardi Gras.

Singles vs couples Health Insurance

Before taking out health cover, it’s important that you are very clear regarding your relationship status; your status can affect your premiums and rebates. Sometimes it might be difficult to clarify your relationship, like when you and your partner function as singles over long periods of time because one of you work abroad.

A couple is clarified as:Single is defined as:
  • Married
  • In a de facto relationship (same or different gender).
  • In a registered relationship (same or different gender). This applies only to NSW, ACT, QLD, Tasmania and Victoria where you lawfully register your relationship, according to civil partnership schemes.
  • You are living on your own.
  • You and your partner have been living apart permanently or indefinitely.
  • There’s been an estrangement or breakdown in your relationship.
  • You live in the same house with your partner, but have proof that you have separated.

Private health insurance companies providing couples cover

Apia health insurance for couples

Offers health cover to couples from $25,96 per week for hospital cover. This covers the basics e.g. accidental injury, ambulance services, back injury, brain and cancer surgery, colonoscopies and dental surgery.

nib couples’ health cover

Options range from $30.69 weekly for Basic Hospital to $57.76 for Starter Hospital + Core and wellbeing. Older couples will find adequate coverage from $72,59 weekly for Advantage Hospital & Core Extras, $81.29 for Advantage Hospital & Core and Wellbeing extras and $102.43 for Advantage & Top Extras. For example. Advantage Hospital (the most basic of the three) will cover you for renal dialysis, joint replacements, back surgery and spinal fusions, glaucoma and cataract treatments.

Medibank private health insurance for couples

Offers 19 options for couples, starting with Accident Cover at $32.33 per week and Everyday Starter for $39.74 per week. Although the Everyday Starter is very basic, it does include ambulance services, restricted palliative care (life-limiting illnesses) and psychiatric treatments, as well as cover for accidents.

Bupa couples health insurance

Bupa offers a variety of options: Young Couples Saver, Young Couples Choice, Growing Family, Budget family, Established family, Prime Plus for mature couples and Ultimate Health Cover. Each offering additional benefits for healthy young couples.

They also provide Silver Extras from $17.85 per week.  This is an intermediate option offering you services like major dental, dietary, orthodontics, psychology, podiatry, speech or eye therapy, hearing aids, home nursing and occupational therapy.

HBF cover for couples

Flexible cover aimed at you only have to pay for the services you need. Comprehensive cover is offered from $23.20 per week for Mid Hospital to Prime Health Packages at $38.30 per week.

HCF health insurance for couples

Three options are offered:

  1. Basic Hospital: Basic cover for an emergency ambulance, accidents, intensive care and accommodation.
  2. Mid Hospital: Cover for common procedures like chemotherapy, tonsil removal, heart surgery and reconstructions.
  3. Premium Hospital: Top level cover for procedures like spinal injury, cochlear implants, rehab, psychiatric services and joint replacements.

HIF health insurance for couples

The first health fund to support the Australian Equality campaign, offering same-sex couples the same cover as heterosexual couples.

To ensure you find the right cover suited to your needs compare the various options available and make sure you are comfortable with your choice.

Find Your Perfect Health Cover

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