Who Is the Best Health Insurance for Couples in Australia?

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.