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Finding the best couples health insurance for you and your partner will come down to a few different factors and personal preferences. If you’re both approaching the age of 31, you should consider taking out private health insurance for hospital cover to avoid paying the Lifetime Health Cover loading. Plus, if you take out hospital cover, you could avoid paying the Government’s Medicare Levy Surcharge which is applied if you earn over a certain threshold and don’t have hospital cover. But there are many more benefits to couples health insurance than just this.
When you’re a couple, your health is no longer just your concern. If you were to become ill or have an accident making an emergency hospital visit necessary, the stress would affect both you and your partner. By being covered for the basics through a hospital cover insurance like AAMI Health Insurance Starter or AAMI Health Insurance Starter Boost Hospital, you’ll take another big item off the to-do list.
This is just a summary. For full details about what is and isn't covered, check the PDS (Product Disclosure Statement) It's dry, we know, but it's essential reading.
If having children isn’t part of the plan, you can access plenty of couple health insurance options which are more affordable because they don’t cover services you won’t need, like obstetrics. Both AAMI Health Insurance Starter and AAMI Health Insurance Starter Boost Hospital Insurance are great options if having kids is not part of your plan.
With the savings you could gain by taking up a more basic hospital cover, you’ll be able to consider adding extras cover for things you might actually want – like physio and optical.
Coupled up? Then get covered
If you’re wondering what you should look for when taking out private health insurance as a couple, consider your lifestyle and budget. But don’t stress, you can always reassess your policy as time goes on and adjust to make sure it’s right.
*Make sure you read your Policy Booklet for full details and requirements of switching from another insurer.