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Who Is the Best Health Insurance for Couples in Australia?

Find the right policy to cover private hospitals and extras, for tax purposes or to avoid LHC Loading. Trust Fair Health Care Alliance to provide you with informed options to consider.

Who Is the Best Health Insurance for Couples in Australia?

Find the right policy to cover private hospitals and extras, for tax purposes or to avoid LHC Loading. Trust Fair Health Care Alliance to provide you with informed options to consider.

Best Health Insurance for Couples

Couples Health Insurance  Managing the Needs for Two Under One Account

When it comes to the benefits and costs, there isn’t much difference between Singles and Couples health insurance. Couples health insurance simply combines two Singles health policies under one premium account. Whether it’s for convenience or the cost-effective benefit of a reduced tax rate, Couples health insurance is a suitable solution for couples with similar health needs and circumstances.

Health insurance for couples, Who Is It For?

Health insurance for couples is not limited to married couples. If you and your partner are in a de facto relationship, Couples health insurance is an option you can consider. Couples health insurance is beneficial if you and your partner require similar health needs because it allows you to manage your policies under one account and pay for them under one bill.

What’s the Best Couples Cover Health Insurance Policy for Me?

The best health insurance policy is one that matches your current health needs. To determine this, it is important to ask yourself some questions that help you analyse your current situation, and accurately determine your needs. Here are some suggested questions to get you started:

A Couples policy equals the price of two Singles policies, so choosing Couples health insurance isn’t necessarily a lower-cost solution. If anything, a Couples policy may cost more if either you or your partner need more expensive treatments than the other. For instance, you may need a Gold hospital policy, while the Bronze hospital policy is sufficient for your partner. If this is the case, two separate Singles health insurance may be a more effective option.

In some cases, there are excess benefits for couples who are insured on two separate Singles policies. Speak to a helpful Fair Health Care Alliance health adviser to find which arrangement is right for you. 

The government’s private health insurance rebate is based on your annual income. Being under a Couples policy means that the rebate you’re entitled to claim is determined by the final figure of you and your partner’s combined income. However, you are still means-tested as a couple even if you hold your own Singles health policy/s. Whether you hold a Singles, Couples or Family health insurance cover doesn’t change your marital status for tax purposes. 

A lot of factors influence how you choose a health insurance policy that best suits you, so it’s better to have the guidance of a helpful advisor. With years of industry experience, our advisors can offer a more thorough understanding of the available options. Some things to take into consideration when measuring your options are you and your partner’s respective health needs and circumstances, whether you’re young and free, planning to build a family or in the later stages of life.

Health Insurance for Couples
What’s the Best Couples Cover Health Insurance Policy for Me?
The number of levels of cover available usually depends on your health fund provider, but generally, there are three types of physio cover to choose from:

The best health insurance policy is one that matches your current health needs. To determine this, it is important to ask yourself some questions that help you analyse your current situation, and accurately determine your needs. Here are some suggested questions to get you started:

The government’s private health insurance rebate is based on your annual income. Being under

A lot of factors influence how you choose a health insurance policy that best suits you, so it’s better to have the guidance of a helpful advisor. With years of industry experience, our advisors can offer a more thorough understanding of the available options. Some things to take into consideration when measuring your options are you and your partner’s respective health needs and circumstances, whether you’re young and free, planning to build a family or in the later stages of life.

Do I need Health Insurance?

Learn about Medicare, the public health system, private hospital and extras, and how health insurance might benefit you and your family.

Health Insurance Tax

Are you paying the Medicare levy Surcharge? If so, taking out private health insurance can help you avoid paying the MLS tax.

Health Insurance Rebate

The private health insurance government rebate is means tested, meaning your income could affect the cost of your health insurance.

Lifetime Health Cover Loading

If you’re 31 or over, you may have a Lifetime Health Cover loading (LHC) penalty which will increase the cost of your health insurance.

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