If you and your partner both have health cover, but you’re doing your own thing - it might be time to have the chat.
Because while singles cover is totally fine, couples cover can be a bit of a glow-up and a relationship step-up. Not necessarily cheaper, but definitely simpler. Less admin. One bill.
Wait – what even is couples health insurance?
It’s a health policy that covers two adults (yep, you and your partner) under one plan — same hospital, same extras. You don’t need rings, just a roof. Living together counts.
Why it might be time to couple up (your cover, that is)
Here’s when switching to a joint policy makes sense:
- You’ve got similar cover needs and want to keep it easy
- You’d rather manage one account, not two
- You both want the same extras like physio or dental
- You’re ready to commit — to each other and annual combined extras limits
Think of it as one less thing to adult.
When flying solo still makes sense
A joint policy might not be your vibe if:
- One of you wants a higher level of cover (like pregnancy or extra hospital services)
- You’ve got very different extras habits
- You live in different states or use totally different providers
In those cases, two singles might still be the best fit — and see-u’s got options for that too.
What’s the right move?
No pressure. We’ve made it easy to check out your options — solo or shared — and find cover that actually fits where you’re at.
FAQs
Q: What is couples health insurance in Australia?
A: It’s a private health policy that covers two adults — usually partners living together — under the same hospital and/or extras cover.
Q: Do you have to be married to get couples cover?
A: Nope. As long as you're in a domestic relationship and living together, you can take out a couples policy.
Q: Is couples health insurance cheaper than two singles?
A: Pricing is often similar, but couples cover can make things simpler with one payment, one account, and shared extras limits.
Q: Can we have different levels of cover on a couples policy?
A: No — couples cover includes the same level of hospital and extras for both people. If you want different cover types, singles policies might work better.
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