Is Couples health insurance cheaper than Singles? 

If you’re living with your partner, you might consider joining your health cover into one policy. But while a Couples policy might simplify your household expenses, it won’t save you any money. In fact, having separate Singles policies might work out cheaper. Here’s why…. 

Is Couples health insurance cheaper than Singles? 

No. One health insurance policy that covers 2 adults isn’t cheaper than the same policy for one adult doubled. But while a Couples policy won’t save you money, it does mean you’re only making one payment, which some households find more convenient.  

What’s the best health insurance for Couples in Australia?

When it comes to cost, it can sometimes be cheaper for couples to get 2 separate health insurance policies, so they can choose different levels of cover – for example, when one person has higher health needs than their partner. And if you’re planning to start a family and want cover for private childbirth – which is generally only available on Gold tier policies (the most expensive level) – you don’t both need Pregnancy and Birth cover. 

How to find health insurance when you’re starting a family

How do I find the cheapest Couples health insurance policy? 

Using the healthslips.com.au calculator is the fastest and most effective way to find the cheapest Couples health insurance policy. It searches every policy from every insurer in Australia in minutes with no commercial bias, and guarantees the cheapest policy. You can search for health insurance policies for free, without having to enter your contact details. Find a new health insurance policy or use our calculator to compare your current policy to other similar policies.  

How is Lifetime Health Cover Loading calculated for couples?

healthslips.com.au does not provide general or personalised advice. Your particular circumstances are likely to impact the accuracy, completeness and relevance of the information or results. Take this into account before making a decision and talk to an expert for financial advice.   

Trudie McConnochie

Writer and Researcher

Knowledge is power – that’s the guiding principle behind everything Trudie writes, and it’s a philosophy she brings to her work at healthslips.com.au. By breaking down complex information into easy-to-understand blogs and stories, she aims to empower Australians to make the best choices and an informed decision around private health insurance.

Trudie understands firsthand some of the complexity of private health insurance having moved to Australia from New Zealand and having to navigate a vastly different public healthcare system and health insurance structure.

Trudie holds a Bachelor of Communication Studies (journalism major) from the Auckland University of Technology.

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