A Guide to Choosing Couples Health Insurance in Australia

Posted September 8, 2023 by in Health + Fitness

Hello! So you and your partner are considering taking the plunge into the world of joint health insurance? That’s a significant move, and it’s great that you’re thinking ahead. Combining health insurance with your partner is a big step towards a future together. The Australian healthcare system can be a bit of a labyrinth, but no worries—we’re here to help you navigate it. For a more in-depth look, you can always head over to Compare Club.

1. What’s Important for Both of You?

Your Individual Health Needs

Let’s start with the basics. Got any ongoing health issues or medications? Make sure the plan you’re eyeing covers those. Medicare is great, but it doesn’t cover everything. You can visit the Medicare website to see what is covered. For example, if you’ve got a condition that requires regular physiotherapy, you’ll want a plan that covers that.

Thinking About Kids?

If there are baby plans in your future, you’ll want a plan that’s got your back with maternity and maybe even IVF coverage. Trust us; you don’t want to be stuck with out-of-pocket costs when a new family member arrives. Some plans even offer parenting classes and lactation consultations, which can be super helpful for first-time parents.

Specialist Visits

If either of you needs to see specialists or is planning elective surgery, private insurance can help you skip those pesky public waiting lists. This is especially important for non-urgent surgeries, where the waiting time can be months, if not years.

2. Your Trusted Doctors and Hospitals

Your Favourite GP

We all have that one GP we trust. Make sure they’re in-network with the plan you’re considering, or you might end up paying more to see them. Some plans even offer a “no gap” feature, where you won’t have to pay out-of-pocket costs for consultations with certain GPs.

Specialists

Specialists in Australia can be pricey. A good plan can help you with the costs or offer some solid rebates. This is crucial if you need ongoing specialist care for conditions like heart issues or diabetes.

Hospital Choices

Check if your preferred hospitals are in-network. You don’t want to find this out the hard way—like when you’re actually in the hospital. Some plans offer a choice between public and private hospitals, giving you more flexibility.

3. The Financial Side of Things

Premiums

Premiums are what you pay regularly for your insurance. They can vary a lot, so make sure you’re getting bang for your buck. Some plans offer discounts for paying annually or for setting up direct debits.

Excess and Co-payments

These are the extra bits you pay when you use certain services. Know them upfront so there are no nasty surprises later. Some plans offer a lower excess in exchange for a higher premium, so weigh your options carefully.

Rebates and Surcharges

The Australian government offers a private health insurance rebate, but high-income earners may be subject to the Medicare Levy Surcharge if they don’t have adequate private hospital cover. Consider how these factors affect your joint policy.

4. The Nice-to-Have Extras

Dental, Physio, Glasses

Many plans offer ‘Extras’ for things like dental check-ups, physio sessions, or new glasses. If you both can benefit from these, why not? Some plans even offer alternative therapies like acupuncture and naturopathy.

Telehealth

Especially handy if you’re in a rural area, some plans cover virtual doctor visits. Pretty cool, right? This is increasingly important in our post-pandemic world, where telehealth is becoming more normalised.

Prescription Medication

Prescriptions can add up. Look for a plan that offers some help with those costs. Some plans even offer discounts on over-the-counter medications.

5. What’s the Word on the Street?

Accreditation

Look for plans that have some sort of accreditation. It’s a good sign that they know what they’re doing.

Customer Reviews

What are other people saying about the plan? Websites like Compare Club offer reviews that can give you a sense of how a plan measures up.

Financial Stability

You want a company that’s going to be around for the long haul. Make sure they’re financially stable.


Remember, the cheapest option might not be the best fit for both of you. Take the time to weigh the costs against the benefits of couples health insurance, and maybe even consult a healthcare advisor. It’s all about finding the right balance for your unique needs as a couple. For more personalised advice, don’t forget to check out Compare Club.

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