Couples Health Insurance

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Last Updated 15/04/2026
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Last Updated 15/04/2026

What changed?

Added additional premium information
Our aim is to help you make better informed decisions. That’s why iSelect’s content is produced in accordance with our fact-checking and editorial guidelines.

Find out more about how we make money.

View our Privacy Policy.

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iSelect does not compare all providers in the market or all policies offered by our partners in your area. Not all policies or special offers are available to all customers and some may only be available over the phone or on the website. Learn more.

What is couples health insurance?

What could couples health insurance cover?

As with other private health insurance policies in Australia, your couples policy could be purely hospital cover, including operation fees and accommodation (like a private room) in a private hospital, or as a private patient in a public hospital. Alternatively, you might only be interested in extras cover, such as dental, physio, remedial massage, or emergency ambulance cover. If you’re after the best of both worlds, you could get combined hospital cover and extras cover.

How much is couples health insurance in Australia?

On average, couples combined health insurance cost $597.48 per month in September 2025, according to the Private Health Insurance Ombudsman. However, prices can vary between levels of cover, health funds, and states. For instance, the average combined couples policy with basic hospital cover was $353.16 each month, while swapping to gold level cover meant an average premium of $843.29 every month.

The table below shows how the average monthly premium changed with different levels of cover and by state.

Unlike other insurances, you can’t be penalised by your insurer if your health needs change. All health insurance policies are community rated, even couples health cover. This means everyone pays the same standard price for a policy, no matter their age or health history – a little like how everyone gets the same Medicare rebate for a service.

Average combined couples health insurance monthly premiums for September 2025

  BasicBronzeSilverGold
NSW$368.42$450.86$672.05$872.10
VIC$371.87$467.19$694.17$906.45
QLD$375.28$468.74$689.82$900.54
SA$361.76$453.80$659.85$859.37
WA$336.27$409.00$623.11$804.74
NT$289.01$346.63$529.74$689.12
TAS$369.49$453.04$670.01$872.34

Source: Private Health Insurance Ombudsman – September 2025

Note: All policies were available in September 2025, and no ‘plus’ tier policies were included. The policies are for both hospital and extras cover for couples only, with an excess of $750 per person. Premiums are averaged across the country, do not include any Australian Government rebates or Lifetime Health Cover loading, and do not take into account 1 April 2026 premium increases.

How are premiums calculated for couples health insurance?

Your health insurance premiums take into account lots of things, but one of the biggest is simply what the policy covers. A policy that covers more services is likely to be more expensive.

In this coverage equation, how many people share the policy also applies. If you’re moving from a singles health insurance policy to a similar couples option, that could be why your premium suddenly looks so different.

Is couples health insurance cheaper than two singles policies?

While bundling items together often makes things cheaper, this isn’t always the case in health insurance. Since private health cover is community-rated, your couples health insurance may just be double the cost of a similar policy for one person.

However, depending on the level of cover you’re each after, and if you’re eligible for discounts or other perks, you may be able to shop around to find couples health insurance that is cheaper than two different options for yourselves. It could also work out as more convenient simply by virtue of only having one premium to pay.

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How to buy with iSelect

If you already have a singles health insurance policy, you may not need to go through the full application process to add your partner. Many insurers allow you to add new members to your existing policy – often with just a quick phone call. Some even offer an online portal where you can make the change in just minutes!

However, it’s worth comparing your options before making the switch, as your current insurer might not provide the best value or coverage for both of your health needs under a couples policy.

Andres Gutierrez

General Manager – Health

Should I get couples health insurance?

Pros of couples health insurance

Convenience of only one premium and account

If you struggle to keep track of when bills are due or simply don’t want to deal with an extra password, couples health insurance could keep things streamlined for you and your partner. You only have to pay one premium, and keep track of and deal with one policy and insurer. (And it’s even more convenient if you set up a direct debit!)

Could make updating cover easier as you age

Whether you dream of holding hands in matching rocking chairs or seeing all the modern wonders of the world, adjusting your couples health insurance as you grow old together could be more straightforward than dealing with two policies.

Aim for that higher private health insurance rebate

Since now you’ll be doing the maths with two incomes rather than one, the threshold you need to skim under to get the maximum private health insurance rebate is $202,000 for 2025–26 financial year.

Cons of couples health insurance

Reduced flexibility and choice

We all have our own unique health challenges, whether it’s fighting hay fever every spring or something more serious. As couples health insurance means sharing the same level of cover, you may find you’re left wanting or with more cover than you feel you need.

Might mean sharing a claim limit

You probably already share a lot of things with your partner. Depending on your couples health insurance, you might also end up sharing the policy claim limits. For instance, if your partner uses up your policy’s shared annual limit for major dental, you won’t be able to claim for that type of treatment until the limits reset.

Could reduce your medical privacy

While it might not ever be an issue for you and your partner, a shared policy and account can mean equal access to a shared claims history. It could be harder to keep things on the downlow if you’re not ready to share a medical issue with your partner.

Tips for choosing couples health insurance

A small orange icon with a simple line drawing of a clipboard of health forms with check marks.

Learn from history

Thinking about each of your medical backgrounds, including hospital admissions and your families’ health histories, could help you figure out the level of healthcare coverage that gives you and your partner peace of mind.

Calculator and money bag

Balance, rather than break, your budget

Break out the coffee and calculators to figure out what you’re both comfortable paying to help you narrow down your options further.

Compare policies to find more value

While it might have been love at first sight for you and your partner, being picky with your couples health insurance could pay off in the end.

How users rated our service

Frequently asked questions

What’s the best health insurance policy to get as a young couple?

Do you need to be married to get couples insurance?

If I have couples health insurance, do I still have to pay the Medicare Levy Surcharge?

How does Lifetime Health Cover loading work with couples health insurance?

Can a divorced couple share a policy?

Can you add dependents or children to couples health insurance?

What if one person has a pre-existing condition on couples health insurance policy?

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