60 Day Money Back Guarantee - For new members, we will refund any premiums paid as long as you haven’t made a claim.

Private health insurance for couples

Whether you are planning your next major dental treatment or looking to start a family, GMHBA has couples cover to suit your budget and health needs for peace of mind.

Special Offer:

Get one month free* and no 2 & 6 month waits on extras when you join GMHBA on combined cover by June 30. 

*For new members joining on combined hospital and extras cover, paying by direct debit. Must pay first month premium to receive discount. Must not have been a member within last 12 months. 12 month waits, annual and sub-limits apply. Extras claims made with a previous fund count towards annual limits. Offer only available via GMHBA website, phone and branch or GMHBA corporate program. Not available in conjunction with any other offer. Offer ends 30 June 2022.

Couple walking together on the beach after saving at tax time with their health insurance hospital cover

Earn over $180k together? You might be eligible to save on tax.

Did you know that getting hospital cover may save you money at tax time? Get great value cover and avoid the Medicare Levy Surcharge.

Running and reaching step goals for GMHBA Vitality

Get rewarded for your healthy choices with AIA Vitality.

Join a GMHBA cover with AIA Vitality and get access to the health and wellness program that rewards you for making healthy choices

Couple watch the sunset, enjoying another birthday and avoiding LHC with GMHBA hospital cover

Are you or your partner turning 31?

Avoid Lifetime Health Cover loading by taking out private hospital cover, you have until 1 July after your 31st birthday.

Pricing covers Couple, aged 30 and 30 living in VIC earning $180,000 or less, base tier government rebate. Excludes . Prices and displayed products can change if details vary.

Browse and compare some of our couples products


Can't find the type of cover you are looking for?

If you are looking for a different type of health insurance, check our full range of covers available. We have hospital only, extras only and combined health insurance covers so you can find the right one for you.

Why choose GMHBA?

We've been a not-for-profit private health insurance provider for over 85 years. We've come along way since the 1930's but one thing remains the same, at GMHBA we continue to grow healthier together.

Through our personalised approach and exceptional customer service, we put the health and wellbeing of our members and communities first.

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 Health Insurance is easy

Find the right cover for you with GMHBA Health Insurance - Make the switch to GMHBA

1. Find the right cover for you

View our range of hospital and extras products, choose the cover that best suits your needs.

Switch to your perfect cover with GMHBA, we will even do the paperwork for you

2. 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.

Switch to the same level of cover with GMHBA and don't reserve waiting periods

3. You won't re-serve waiting periods*

Join on the same or lower level of cover within 30 days of your previous cover ceasing, and we will recognise waiting periods served with your old insurer.

*Waiting periods apply for increased 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 singles and here’s why:

Lifetime Health Cover Loading (LHC) - If you’re both over 30 and haven’t held health insurance holding individual policies means you will both incur the LHC loading. If you are on a couple or family policy, your loading is calculated as an average between the individual loading of the two adults so you may end up paying less.

Government Private Health Insurance Rebate - The rebate amount you’re entitled to is calculated based on your income. For singles, the means-tested threshold is $90,000 whereas for couples and families it’s $180,000. 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.

Need some help?

Can't find what you are looking for? Visit our help page or contact our friendly customer service team.