Private health insurance for couples
Did you know that getting hospital cover may save you money at tax time? Get great value cover and avoid the Medicare Levy Surcharge.
Join a GMHBA cover with AIA Vitality and get access to the health and wellness program that rewards you for making healthy choices
Avoid Lifetime Health Cover loading by taking out private hospital cover, you have until 1 July after your 31st birthday.
Why choose private health insurance with GMHBA
Through our Healthier Together newsletter, podcast and, community events, we continue to support the health of our members.
GMHBA partners with a number of organisations to support the health and wellbeing of our members and community.
New to health insurance?
We understand that getting health insurance for the first time can be overwhelming. That’s why we’ve put together a four step guide to help you get started.
Switching to GMHBA
Find the right cover for you
View our range of hospital and extras products,and choose the cover that best suits your needs.
We'll do the paperwork
We’ll cancel your old membership, request the transfer certificate from your old insurer and handle all of the paperwork for you.
You won't re-serve waiting periods*
We'll recognise the waiting periods at your previous fund.
*Waiting periods apply for increased cover, must join within 30 days of ceasing your previous cover.
Couples Cover FAQs
Private health insurance is not one size fits all, the best level of cover for you and your partner will depend on your priorities, lifestyle and what you would like to be covered for.
You can compare your options online or chat with us directly for advice on what private health insurance policy is right for you.
Before comparing policies consider the needs of each partner to align on what you both want from your health insurance.
There are different types and levels of cover so it’s important to know your budget and what services you are looking to claim on. The cover you choose will determine how many different types of general treatments are covered.
Consider your future needs and determine if they need to be covered by your policy too.
The cost of your cover is dependent on your age and income. For couples, it may be cheaper to sign up to a joint cover rather than as singles and here’s why:
Lifetime Health Cover Loading (LHC)
If you’re both aged over 31 and haven’t held individual private hospital cover, you may each incur the LHC loading (depending on when you take out hospital cover). If you are on a couple or family policy, your LHC loading is calculated as an average between the individual loading of the two adults covered, so you may end up paying less.
Australian Government Rebate on Private Health Insurance
The rebate amount you’re entitled to is calculated based on your income. For singles, the current means-tested income threshold is $93,000 whereas for couples and families it’s $186,000. This means if you hold a couples cover you may be able to claim a bigger rebate from the government.
Children
As holders of a joint policy you may be able to add children to your cover at no extra cost.
*Not available on pregnancy and birth related services and podiatric surgery. Accident must be an unforeseen event occurring by chance and caused by an external force or object, which results in involuntary injury to the body. Injuries must be treated within 48 hours by a doctor or emergency department, and hospital admission within 90 days. Injuries resulting from alcohol or not prescribed drug use are not covered. Hospital excess and out of pocket costs may apply.
**GMHBA covers emergency ambulance services by a recognised provider Australia wide. This doesn't include cover for non-emergency ambulance transport ie. from a hospital to your home or ambulance transfers between hospitals. Publicly funded ambulance services and State Government transport schemes are excluded (eg.TAS/NSW/ACT/QLD)