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 * Guide to couples health insurance and private health cover
   

Guide to couples health insurance and private health cover

Chris Stanley


Updated 06/01/2023
Health
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A couples policy refers to one health insurance policy that covers both partners
and insurance premiums are usually lower than for two singles. Read more.

A couples policy refers to one health insurance policy that covers both partners
and insurance premiums are usually lower than for two singles.


A GUIDE TO PRIVATE HEALTH INSURANCE FOR COUPLES 2023

Key Points

 * Compare your options to decide if a combined couples policy or two singles
   policies provides the best value. 

 * You don't need to be married to be eligible for couples health insurance in
   Australia.

 * Both partners have to be on the same level of cover in order to take out a
   couples policy.



Taking out a joint health insurance policy with your partner can make a lot of
sense. It’s convenient and sometimes can be better value than two separate
singles policies. But you’ll still need to do some research to work out what’s
best.

This guide is designed to help anyone married, in a registered relationship, or
a de facto relationship make a decision about how to get a couples policy that’s
right for them. And if you’re ready to buy now, we can find you an affordable
policy in a matter of minutes.

COMPARE & SAVE


WHAT IS HEALTH INSURANCE FOR COUPLES?

Couple-specific health insurance means you and your partner are covered under
the same policy. You share one policy and only pay one premium.

Typically, insurers will offer couples policies that are either hospital only,
extras only or a combination of the two. Many insurers offer specific
combinations that are tailored for couples and include extras that are commonly
used by both partners.

If you’re going for joint hospital cover or a combined package, you’ll be
offered one of four different levels of cover to choose from: basic, bronze,
silver and gold. Basic is the cheapest, and often only comes with ambulance
cover, with the ability to avoid the Medicare Levy Surcharge and limited cover
for just a few hospital services. 

Some insurers offer “Plus” versions of their policies. This is where they take
items from a higher tier and create a package that’s tailored to a specific type
of customer. For example, some insurers offer Silver Plus packages aimed at Over
50s couples that include all the benefits of Gold cover, except pregnancy or
birthing items.

This isn’t to say couples cover is better than two singles policies. If one of
you has a specific health need, it may make more sense to look for two separate
policies. That’s why it’s worth taking time to compare your options across both
types of policies. This is something our specialists can help with.


HOW DO HEALTH INSURERS DEFINE COUPLES?

If you are married, de facto (live together as a couple but are not married) or
a registered couple you are eligible for couples health insurance. There’s no
minimum time required for how long you’ve been together, so if you’ve moved in
after a few weeks of whirlwind romance, you can still get a couples policy.

It also doesn't matter what age you are. Insurers often create packages to suit
young couples who are relatively healthy as well as those planning a family.
There’s also options for older couples with no children, empty nesters, and
mature couples who need cover for conditions that can arise with age.


WHAT HEALTH INSURANCE IS BEST FOR COUPLES?

Two single policies

Couples Policy

Families

Benefit

Can be tailored to individual needs

Can be tailored to individual needs

Can be tailored to individual needs

Issue

Two policies can be more expensive than one

One partner with specific needs can raise cost

Can be too comprehensive and inflexible

Consider if

You're both young and healthy

One of you has a very high LHC loading

You have very different health needs

You'd both need an expensive top tier policy

You both have similar health needs

You're expecting a new arrival

COMPARE & SAVE


WHY TAKE OUT COUPLES HEALTH INSURANCE?

There’s a number of reasons why a couples policy may be a good choice for you:

 * The overall cost of insurance premiums can be lower for a couples policy than
   for two single policies.

 * It’s convenient: you'll only have one insurance premium to pay, and you'll
   only need to manage one account.

 * Some insurers allow you the flexibility to choose a policy with a combined
   annual limit so each partner can select the extras services of their choice.
   For example, one partner could choose dental treatment while the other opts
   for mental health care services.

 * Couples policies tailored towards people in their 20s and 30s often have more
   extensive cover for family planning needs, unlike lower-cost singles policies
   which often exclude cover for fertility treatments and pregnancy services. 

 * Couples policies can be good value for older Australians who have similar
   health needs.


WHAT ARE THE KEY FEATURES OF COUPLES INSURANCE?

It depends. Often insurers create packages that are aimed at a specific age,
such as young healthy couples, people planning a family, and older, retired
Australians. These vary between insurers, so it’s worth taking the time to
compare what each insurer is offering.

Taking out a couples policy may also result in a better government rebate.
Singles with an income of $90,000 or less are eligible to receive the full
rebate, while for couples or families, this threshold is $180,000. 

Look at the government rebate tiers below to see whether you could get a higher
rebate as a couple or a single.


REBATES FOR SINGLE PARENTS AND FAMILIES/COUPLES

Singles

<$90,000

$90,001 to 105,000

$105,001 to $140,000

>$140,001

Families/Couples

<$180,000

$180,001 to $210,000

$210,001 to $280,000

>$280,001



Standard

Tier-1

Tier-2

Tier-3

< Age 65

25.059%

16.706%

8.352%

0%

Age 65-69

29.236%

20.883%

12.529%

0%

Age 70+

33.413%

25.059%

16.706%

0%


IS IT CHEAPER TO TAKE OUT TWO SINGLES POLICIES?

It depends, often, on what your health needs are and how old you are. A retired
couple may be able to get a better value couples policy rather than taking out
two Gold tier policies, while there’s often specific plans for younger couples
looking to start a family.

That said, if you’re a young, healthy couple, it may be more cost effective to
take out separate singles policies. As ever, it’s worth comparing to see what’s
best for you.


HOW DOES LIFETIME HEALTH COVER LOADING WORK WITH COUPLES POLICIES?

Lifetime Health Cover loading (LHC for short) is a government introduced
surcharge designed to get Australians to take out health insurance at a younger
age, and alleviate the stress on our public health system.

We’ve got a full guide to LHC here, but for every year past the age of 31 that
you don’t have private health cover, you’ll get a 2% loading fee added on to
your hospital policy premium when you do come to take out cover.

If you’ve both taken out health cover before you turned 31, relax and move onto
the next section. LHC doesn’t affect you.

But if either you or your partner is over 31 and has never held health
insurance, then you’ll pay the average loading between both of you.

So if you’ve held health insurance since your 20s but your partner has a 10% LHC
loading, then you’ll pay a 5% loading on your couples or family policy.

In some cases, it may be more cost effective to take out two singles policies
until you’ve nearly eliminated the LHC costs. Don’t worry if this sounds
confusing - we’re used to getting these questions, and one of our team can
quickly calculate what’s the best value for you.

COMPARE & SAVE


HOW DOES COMBINING POLICIES AFFECT A COUPLE'S MEDICARE LEVY SURCHARGE?

If you earn more than $186,000 as a couple and don’t have private hospital
cover, you'll be subject to a surcharge of between 1% and 1.5% depending on how
much you earn.

Even if you opt to take out two singles policies, you’ll still have to pay the
MLS if you earn over $93,000 as an individual.

If your primary motivation is to avoid the surcharge then most Basic hospital
cover plans and all hospital plans from Bronze upwards will do the job,
regardless of whether you’re on a singles or couples policy. 


HOW MUCH MEDICARE LEVY SURCHARGE YOU'LL PAY IF YOU DON'T HAVE HOSPITAL COVER

Singles

<$90,000

$90,001 - $105,000

$105,001 - $140,000

>$140,001

Families*

<$90,000

$190,001 - $210,000

$210,001 - $280,000

>$280,001

All Ages

0%

1.0%

1.25%

1.5%


SHOULD I TAKE OUT A FAMILY POLICY IF WE'RE PLANNING TO START A FAMILY?

This is where comparing health insurance can be really beneficial, as there’s
lot of different options available.

The main thing to know here is that pregnancy, birthing and reproductive
services like IVF are top tier Gold hospital cover items, although some insurers
will offer specific Silver Plus policies for couples looking to start a family

Here’s where you’ll need the calculator. Under a couples policy, you and your
partner must have the same cover, meaning you’ll need to take out a top-tier
Gold or Silver Plus policy. But you could save money if one partner takes out a
gold-tier policy while the other holds a lower level of cover. 

That doesn’t mean that you won’t want to take out a Gold couples policy,
especially if you’re looking for cover around assisted reproductive services
like IVF.

If you’re lucky enough to be welcoming a new bub into the world then it’s
definitely worth comparing couple and family policies. There’s not a huge
difference in premiums between the two, but you may find that some policies have
more restrictions and or offer better extras rebates.

A final note: obstetric services like pregnancy, birthing and IVF tend to come
with 12 month waiting periods, so you’ll need to take out a policy ahead of
starting to try for a baby if you want to use the benefits of top tier cover.

If you’re planning to start a family, speak to one of our team and we can take
you through your options.


WHAT HAPPENS IF WE SPLIT UP?

Get in touch with your insurance provider as soon as possible. You’ll be able to
switch to an equivalent single policy without re-serving waiting periods.

Alternatively, use our comparison tool to find a new policy. You can switch
health funds to an equivalent cover at any time without penalties.


WHERE CAN I GET THE BEST COUPLES HEALTH INSURANCE?

If you’ve read all the way through this guide, you’ve probably realised there
isn't a one-size-fits-all couples policy. Every couple is different and there’s
different policies available for young, healthy couples and older empty nesters.

Our team of experts can help you find the best policy for you and ensure you
only pay for the cover and benefits you need.

Discuss with your partner what your health priorities are and, when you’re
ready, get in touch with our experts who can help you find the right couples
cover from our panel of insurers.

COMPARE & SAVE

This guide is opinion only and should not be taken as medical or financial
advice. Check with a financial professional before making any decisions.

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Chris Stanley is the sales & operations manager of health insurance at Compare
Club. With extensive experience and expertise, Chris is a trusted leader known
for his deep understanding of health insurance markets, policies, and coverage
options. As the sales & operations manager of health insurance, Chris leads a
team of dedicated professionals committed to helping individuals and families
make informed decisions about their health insurance needs.

Chris Stanley

 -  Sales & Operations Manager for Health Insurance



   
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