Couples health insurance comparison
Could You Get More for Less From Couples Health Cover?
Complete the 60 second cover check to review hospital, extras or combined cover for you and your partner, with expert help from Health Deal.
- ✓9 participating health funds
- ☎Expert help by phone
- ✓No obligation to switch
Health Deal compares policies from a panel of participating health funds.
Compare suitable options from 9 participating health funds
Health Deal compares policies from participating funds, not every health fund or policy available in Australia.
Health insurance for couples
Cover that considers both of you
Couples health insurance can place two adults on one policy, but the right balance depends on both partners' ages, health needs, budgets and preferred services. Health Deal helps you review suitable options and compare them with the alternative of holding separate single policies.
Start our couples cover check
Review your premium
Consider whether your premium, excess and included benefits still offer a suitable balance. Savings depend on your circumstances and are not guaranteed.
Choose useful benefits
Focus on the hospital categories and extras services that matter to you, rather than paying for benefits you are unlikely to use.
Get expert help
Speak with a Health Deal specialist who can explain suitable options from participating Australian health funds.
Hospital, extras and combined cover
Choose the type of couples cover that fits your needs
You can choose hospital cover, extras cover, or both for you and your partner. Each option serves a different purpose, so start with the services and level of protection that matter to each of you.
Hospital cover
Hospital insurance can contribute towards treatment as a private patient, subject to inclusions, restrictions, waiting periods and excess.
- Basic, Bronze, Silver or Gold
- Review clinical categories
- Compare excess options
Extras cover
Extras can pay benefits towards selected out of hospital services, with limits and recognised providers varying between policies.
- Dental and optical
- Physiotherapy and chiropractic
- Compare limits and rebates
Hospital and extras
Combined cover brings hospital and extras together. Value depends on balancing the premium with services you expect to use.
- One combined review
- Balance cost and benefits
- Compare suitable panel options
What to compare
Look beyond the monthly premium
- Hospital categories, restrictions and exclusions
- Excesses and any co-payments
- Extras limits, rebates and recognised providers
- Waiting periods when adding or upgrading cover
- Each partner's age and cover history
- Whether one couples policy or two single policies better suit you
A couples policy is convenient, but it is not automatically cheaper or more suitable than two single policies. Compare the total premium, benefits and flexibility for both partners before deciding.
How Health Deal works
From couples cover check to comparison call
Tell us what matters
Complete the guided cover check with your current fund, cover preferences and the services important to you.
Speak with Health Deal
A specialist calls to understand your needs and discuss suitable couples cover options from participating funds.
Review the differences
Compare relevant premiums, benefits, excesses, limits and policy terms before deciding whether to switch.
Couples health insurance questions
Couples cover FAQs
What is couples health insurance?
Couples health insurance is a policy covering two adults. It may include hospital cover, extras cover, or both, depending on the policy you choose.
Is a couples policy cheaper than two single policies?
Not always. The total cost and value depend on each partner's age, cover needs, income and Lifetime Health Cover history. Compare a couples policy with two suitable single policies before deciding.
Can each partner choose different benefits?
A couples policy generally applies one shared level of cover to both adults. If your needs are very different, separate single policies may provide more flexibility.
Do I need both hospital and extras cover?
Not necessarily. Hospital and extras cover different types of services. Your choice should reflect the services you value, your budget and any tax or Lifetime Health Cover considerations relevant to you.
Can couples hospital cover help with the Medicare Levy Surcharge?
An appropriate level of private patient hospital cover may help eligible couples avoid the Medicare Levy Surcharge. Eligibility depends on combined family income, circumstances and whether the policy meets Australian Government requirements. Seek tax advice for your circumstances.
How does Lifetime Health Cover loading work for couples?
Lifetime Health Cover loading is assessed separately for each adult. If either partner has a loading, it can affect the couples hospital premium according to the applicable rules and each person's cover history.
Will I serve new waiting periods if I switch?
Waiting periods already served are generally recognised when you switch to an equivalent or lower level of cover. Waiting periods may apply to new or upgraded benefits. Confirm the applicable terms before switching.
Does Health Deal compare every Australian health fund?
No. Health Deal compares suitable policies from a panel of participating health funds, not every policy or health fund available in Australia. Available options depend on your circumstances and panel availability.
Is the Health Deal comparison free?
There is no charge to request a comparison through Health Deal. Health Deal may receive a commission from a participating health fund if you purchase a policy.
Ready to review couples health cover?
Complete the 60 second cover check or call Health Deal on 1300 369 399.