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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….
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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.
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.
You don’t have to be married to have a Couples policy – you just need to be living in the same house.
Micah and Kara, considering Couples cover
Micah and Kara are a couple who have recently moved in together. While discussing their finances, they consider merging their separate Hospital and Extras Cover policies into one Couples policy. Kara has a high-level Extras Cover policy so she can claim for medications, but Micah only needs cover for dental and physio. They decide to keep their separate Singles policies to save money.
How do I find the cheapest Couples health insurance policy?
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.
