Paired Up: Your Guide To Couples Health Insurance

Whether you’re a young and active couple and want ‘just-in-case’ cover, or an older couple who simply want peace of mind - learn more about health insurance for couples.
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You live together, holiday together and maybe even share parenting of your puppy. You’re well into couplehood and you’re ready to take your relationship to the next level. Now is the perfect time to consider getting joint health insurance.

Read everything you need to know about couples health insurance in our ultimate guide. Learn more about which cover is right for you, as well as how to how to get a good deal on your policy.

What are the different types of couples health insurance?

In Australia, we’re lucky to have one of the best public healthcare systems in the world. Medicare is funded by taxpayers and helps cover most of our basic health needs. But what about those services that aren’t covered by Medicare?

This is where private health insurance can help. Private health insurance can help cover procedures that don’t fall under Medicare and give you more options for your health care (like choosing your doctor, hospital or treatment time).

In general, couples health insurance comes in one of two varieties. The first is hospital cover, which includes hospital fees such as your medical treatment, accommodation or nursing care. The second type is extras cover which includes physio, dental cover and other non-hospital services. The third type is a combination of both hospital and extras cover. The specific services offered by your health fund will vary from provider to provider, as well as according to your level of cover.

What is hospital cover?

orange hospital cover infographic

Hospital cover pays for your hospital costs including medical fees, theatre/operation fees, accommodation and nursing care. It puts the power in your hands to choose where you’re treated, and by who. Depending on your cover, you may be able to stay in your own private room and choose your doctor. Going to a private hospital means you might be able to avoid the waiting lists at public hospitals for elective surgery.

If you and your partner are young, healthy and active, you might be interested in getting a basic level of couples health insurance to keep costs down. If you’re older or have a bigger budget, you might consider top hospital cover so you can feel confident no matter what life throws your way.

What is extras cover?

orange extras cover infographic

Dental check-ups, physio sessions, chiropractor visits or getting new glasses are all examples of the types of non-hospital services that come under extras cover. If you regularly need these types of services, then it could be worth getting extras cover. Many funds offer policies that combine both hospital and extras cover. Getting hospital cover with the extras you need is a great option if you want to be covered for life’s hiccups.

Why should you get couples health insurance?

Whether you’re looking at hospital cover, extras or both, couples health insurance can give you some serious peace of mind. Shared cover not only gives you both confidence, it helps cut down paperwork with the one simple policy - a major distinction in the couples vs singles health insurance debate.

Is couples health insurance cheaper than singles? While couples health insurance costs the same as two singles policies, a joint policy means that you can find the best deal for both of you - and update it when it no longer suits, just as quickly.

Couples health insurance

How to get a good deal on your couples health insurance

There are a lot of decisions to be made when you’re in a relationship. Whether you’re planning a family or saving for your first home, there’s nothing worse than being stung by unexpected bills. Here are some simple ways to keep your costs down and get value from your couples health insurance.

One way to save on your couples health insurance is to pay a year in advance. Many premiums go up each year on April 1st, so if you pay for your health insurance a year ahead, you could secure the old price and save.

Another way to save on your health insurance policy is to only choose the benefits you and your partner need. If you’re an older couple, you might not need pregnancy insurance while young and active couples might only need basic hospital cover.

Finally, one of the simplest ways you could save money on your couples health insurance is to compare policies. Couples health insurance comparison can help you work out exactly what you need and get the most bang for your buck.

iSelect can help you and your partner find the right insurance. See how much you could save with iSelect.

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