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Health insurance for couples


You can now get AAMI  Health Insurance to cover couples at all life stages – young couples, those starting a family, and older couples. From love letters to living together, you and your partner have a unique story to tell about looking out for the one you love. Health insurance for couples is just one of the ways you can make sure each of you is covered should something go awry.

Here’s how AAMI Health Insurance can cover you as a couple.

Young couples

Secure a future with the one you love and keep the cost down by only paying for the things you both need. AAMI Health Insurance Starter Hospital cover is a great health insurance option for couples that includes an accidental injury benefit*, unlimited emergency ambulance^, as well as:

  • Appendix removal
  • Joint reconstructions (like knee and shoulder)
  • Hernia repair
  • Removing tonsils and adenoids.

AAMI Health Insurance policies for young couples such as AAMI Starter Hospital are lower cost than some others (like Premium Hospital cover) because we don’t include those higher risk and higher cost services you may not be looking at now, such as heart procedures or pregnancy-related services.

Couples planning a family 

As your relationship grows, you may start planning a family. 

Thinking about adding a new member to your family? Easily compare your options with AAMI Health Insurance and consider the things you’ll be facing throughout the pregnancy and beyond. AAMI Health Insurance’s most comprehensive cover, Premium Hospital, includes pregnancy and all Medicare recognised in-hospital services, such as:

  • Pregnancy and birth
  • fallopian tube, uterus, and ovary infertility investigation
  • retrieval of eggs and implantation of fertilised eggs.

If you are taking out health insurance for the first time or upgrading your level of cover, a waiting period of 12 months commonly applies before you can claim any benefits for pregnancy and obstetrics services. If you arrange private health cover early, you’ll be able to serve your waiting period as soon as you begin planning a family. In most cases, this means by the time you need to use pregnancy and obstetrics services, you’ll be covered.

For many women, adding Extras cover to their health insurance can offer valuable benefits and support at a very important time. Add Premium Active Extras cover to your Hospital cover to extend the range of Antenatal and Postnatal Services and treatments you’re covered for. Not only will you get higher annual limits, but you’ll also be able to claim 70% back (compared to 60% on our other Extras covers).

Older couples 

If you have kids, they can stay on your health insurance cover until the age of 25 (if they’re unmarried and in full-time study). Once they’ve left the nest, or if you don’t have children, you and your partner should check in on what your health insurance provides. Does it meet our needs? Are we paying for services we’re unlikely to use?

AAMI Health Insurance Everyday Boost Hospital puts you at ease, knowing that you and your partner have a high level of hospital cover without the added cost of the things you’re unlikely to need, like pregnancy or IVF services. Everyday Boost Hospital cover includes services such as:

  • Heart procedures
  • Rehabilitation from injury
  • Back surgery
  • Hip and knee replacements.

These are just some of the ways AAMI Health Insurance for couples lets you tick the boxes at each stage of your relationship. If you’d like to compare AAMI Health Insurance’s Hospital and Extras covers, you can use our Health Insurance comparison guide to compare which couples insurance meets your lifestyle and budget.

It’s always best to read your policy booklet to see exactly what it covers. If you have any questions, call one of our friendly AAMI staff members for a chat on 13 22 44 (8am-6pm Mon-Fri AEST/AEDT, Closed Weekends and Public Holidays).

^ Residents of Queensland and Tasmania who have Ambulance services provided by their State Ambulance Schemes are not covered.

Find out more about AAMI Health Insurance here.

AAMI Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib), a registered private health insurer, and is marketed by Platform CoVentures Pty Ltd ABN 82 626 829 623 (PC), a Suncorp Group company. PC is an authorised agent of nib and receives commission from nib.