What is the best hospital cover for couples?

Couples have lots of options

Couples can bring different insights and dynamics to life, and when it comes to private health insurance, they can bring different needs and desires. However, finding the best hospital cover for couples doesn’t have to be complicated. Being a couple usually leads to flexibility in most things in life, and health cover is no exception. Looking for the best hospital cover for couples can mean simply picking and choosing from the vast array of options available. If you don’t plan to have children in the near future, then simply choosing a policy that doesn’t cover pregnancy or fertility treatment, or one that has an option to exclude it, is an easy solution. And if having children is in your medium-term plans, then changing to a family policy from your best hospital cover for couples is easy with GMHBA. So, not only can couples hospital cover give you peace of mind, it can also give you extra flexibility if your circumstances change. At the end of the day, finding your best hospital cover for couples can help you or your partner get back on their feet. Hospital cover gives you the choice of being covered for admission to a private hospital, or to a public hospital as a private patient. Choosing a private hospital can help you avoid public hospital waiting lists, and having your partner back in action sooner rather than later can be a real benefit.

Bronze Hospital & Bronze Extras Set Benefits

Entry level hospital cover. Includes preventative dental and optical.
$ 20.35*
per week
Select

Bronze Hospital & Silver Extras Set Benefits

Entry level cover. Cover for a range of popular services that suit your lifestyle.
$ 24.35*
per week
Select

Silver Hospital Plus & Bronze Extras Set Benefits

Moderate cover. Includes private hospital with some exclusions. Includes cover for preventative dental.
$ 29.90*
per week
Select

Bronze Hospital & Bronze Extras Set Benefits

Entry level hospital cover. Includes preventative dental and optical.
$ 20.35*
per week
Select

Bronze Hospital & Silver Extras Set Benefits

Entry level cover. Cover for a range of popular services that suit your lifestyle.
$ 24.35*
per week
Select

Silver Hospital Plus & Bronze Extras Set Benefits

Moderate cover. Includes private hospital with some exclusions. Includes cover for preventative dental.
$ 29.90*
per week
Select

* The price shown is per week and applies to a Single living in VIC with a $500 excess. It excludes LHC loading and includes a Base Tier Government Rebate.

Choose your own extras provider.*

*With GMHBA, you have the choice to use any extras provider with professional qualifications recognised by GMHBA.

Work out what you want and need

Compromise is something couples are usually familiar with, but it’s not something you should have to do when looking for your best hospital cover for couples. Having one policy in the household doesn’t have to mean missing out on treatments or choosing a lower level of cover. The first person to speak to about how and what to choose is your partner. Work out between the two of you what you want from your cover. Are you prepared to pay a little more for total peace of mind? Do you want to choose the highest level of cover you can afford? At this point in your lives would you be happy choosing a cheaper cover because you think it is unlikely you will need a higher level of cover anytime soon? Your current health, lifestyle and financial status are all variables that need to be thrown into the mix of these questions, to make sure you arrive at the right answers. If you have a family history of illness, then the best hospital cover for couples for you might be a comprehensive one. If you have a clean bill of health and want to save a bit of money, then maybe a medium-level policy will suite more? At GMHBA we have three main hospital policies – Gold, Silver and Bronze. Our Gold and Silver policies offer cover for private hospitals, and our Bronze offers cover as a private patient at a public hospital.

Working out which best hospital cover for couples is right for you comes down to the answers to those questions above. If you are thinking of having a baby, then Gold and Bronze offer cover for pregnancy and fertility treatments. If you want a cover that can give you the benefits of having the doctor or specialist of your choice, but without the highest price tag, then Silver could be your best bet. Choosing your best hospital cover for couples can also mean looking at added benefits outside of hospital as well. We offer a range of other health programs that focus on helping you recover as quickly as possible. Our home, and rehabilitation in the home, programs, care co-ordination service and chronic disease management support are available as part of all our main hospital covers.

Look for the financial incentives

When it comes to the financial incentives and motivations of finding the best hospital cover for couples, being part of a partnership can have its advantages. Couples are classed as families when it comes to the tax incentives of having hospital cover. The income threshold for couples is double that of singles, and the same as families, when it comes to eligibility for the Australian Government Rebate on Private Health Insurance. The rebate is tiered, and your level of entitlement depends on your income and age. And if you are under 30, finding the best hospital cover for couples can prevent you from being charged the Lifetime Health Cover loading going forward. Lifetime Health Cover loading is a 2% loading for every year you don't have hospital after you turn 30 up to a total of 70%.

Waiting Periods

Another thing to remember with hospital cover is there will be waiting periods on most treatments and services. Obviously if you are injured or require an emergency admission the day after you take out cover, you will be covered. For most other treatments, the waiting periods vary between 2 and 12 months.

For pregnancy it is 12 months. This is done to protect all our members. New members coming in, making a claim almost immediately and then leaving almost immediately afterwards could lead to premiums that would be way too high to afford for most people. That could make most private health insurance almost unsustainable, meaning extra pressure could eventually be borne by the public hospital sector.