Couples Health Insurance | Couples Health Cover

Earn over $186k 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.

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

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 $186,000 or less, base tier government rebate. Excludes . Prices and displayed products can change if details vary.

Browse and compare some of our couples products

Bronze Plus Advantage Hospital & Mid Extras Set Benefits

FROM
^$ 66 ^.10
- per week
Hospital Excess $750
- Upgraded cover in the event of an accident
- Excess waiver for same day stays
- $1,500 to claim on dental each year, sub-limits apply
- $300 to claim on optical at GMHBA Eye Care ($200+$100 bonus)
All the benefits of our Bronze Plus Hospital cover, powered up for Back, Neck & Spine plus set benefits extras paid on preventative and major dental, optical, physiotherapy and remedial massage.

Select
Hospital Services
- Rehabilitation
- Hospital psychiatric services
- Palliative care
- Brain and nervous system
- Eye (not cataracts)
- Ear, nose and throat
- Tonsils, adenoids and grommets
- Bone, joint and muscle
- Joint reconstructions
- Kidney and bladder
- Male reproductive system
- Digestive system
- Hernia and appendix
- Gastrointestinal endoscopy
- Gynaecology
- Miscarriage and termination of pregnancy
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Pain Management
- Skin
- Breast Surgery (medically necessary)
- Diabetes Management (excluding insulin pumps)
- Heart and vascular system
- Lung & Chest
- Blood
- Back, neck and spine
- Plastic and reconstructive surgery (medically necessary)
- Dental surgery
- Podiatric surgery (by an accredited podiatric surgeon)
- Implantation of hearing devices
- Cataracts
- Joint replacements
- Dialysis for chronic kidney disease
- Pregnancy and birth
- Assisted reproductive services
- Weight loss surgery
- Insulin pumps
- Pain Management with Device
- Sleep studies
Extras Services
- Dental
- Optical
- Chiropractic and Osteopathy
- Physiotherapy and Hydrotherapy
- Myotherapy
- Acupuncture
- Orthodontics
- Remedial Massage
- Chinese Medicine
- Ambulance Subscription
- Ambulance Transport
- Exercise Physiology
- Psychology
- Counselling
- Pharmacy
- Travel Vaccinations
- Dietetics
- Audiology
- Antenatal and postnatal classes
- Eye therapy
- Speech therapy
- Occupational Therapy
- Podiatry
- Nursing
- Prostheses (non-surgical)
- Blood glucose monitor
- Extremity pump
- Nebuliser pump
- Sleep apnoea monitor
- Tens monitor
- Hearing aids
- Orthopaedic repairs
- Orthotic appliances (foot)
- Orthopaedic appliances
- Pressure garments
- Weight Management Program
- Fluoride dietary supplement
- Swimming lessons
- Flu Vaccination
- Cancer Council Australia UV Products
- Melanoma Surveillance Photography
- Nicotine replacement patches
- HPV Vaccination
Silver Plus Hospital & Mid Extras Set Benefits

FROM
^$ 84 ^.05
- per week
Hospital Excess $500
- No excess for dependants under 21
- Excess waiver for same day stays
- $1,500 to claim on dental each year, sub-limits apply
- $300 to claim on optical at GMHBA Eye Care ($200+$100 bonus)
A popular choice for established families looking for cover on a range of services with some exclusions to keep costs down plus set benefits paid on preventative and major dental, optical, physiotherapy and remedial massage.

Select
Hospital Services
- Rehabilitation
- Hospital psychiatric services
- Palliative care
- Brain and nervous system
- Eye (not cataracts)
- Ear, nose and throat
- Tonsils, adenoids and grommets
- Bone, joint and muscle
- Joint reconstructions
- Kidney and bladder
- Male reproductive system
- Digestive system
- Hernia and appendix
- Gastrointestinal endoscopy
- Gynaecology
- Miscarriage and termination of pregnancy
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Pain Management
- Skin
- Breast Surgery (medically necessary)
- Diabetes Management (excluding insulin pumps)
- Heart and vascular system
- Lung & Chest
- Blood
- Back, neck and spine
- Plastic and reconstructive surgery (medically necessary)
- Dental surgery
- Podiatric surgery (by an accredited podiatric surgeon)
- Implantation of hearing devices
- Cataracts
- Joint replacements
- Dialysis for chronic kidney disease
- Pregnancy and birth
- Assisted reproductive services
- Weight loss surgery
- Insulin pumps
- Pain Management with Device
- Sleep studies
Extras Services
- Dental
- Optical
- Chiropractic and Osteopathy
- Physiotherapy and Hydrotherapy
- Myotherapy
- Acupuncture
- Orthodontics
- Remedial Massage
- Chinese Medicine
- Ambulance Subscription
- Ambulance Transport
- Exercise Physiology
- Psychology
- Counselling
- Pharmacy
- Travel Vaccinations
- Dietetics
- Audiology
- Antenatal and postnatal classes
- Eye therapy
- Speech therapy
- Occupational Therapy
- Podiatry
- Nursing
- Prostheses (non-surgical)
- Blood glucose monitor
- Extremity pump
- Nebuliser pump
- Sleep apnoea monitor
- Tens monitor
- Hearing aids
- Orthopaedic repairs
- Orthotic appliances (foot)
- Orthopaedic appliances
- Pressure garments
- Weight Management Program
- Fluoride dietary supplement
- Swimming lessons
- Flu Vaccination
- Cancer Council Australia UV Products
- Melanoma Surveillance Photography
- Nicotine replacement patches
- HPV Vaccination
Silver Plus Premium Hospital & Mid Extras Set Benefits

FROM
^$ 100 ^.80
- per week
Hospital Excess $750
- No excess for dependants under 21
- Excess waiver for same day stays
- $1,500 to claim on dental each year, sub-limits apply
- $300 to claim on optical at GMHBA Eye Care ($200+$100 bonus)
High level cover with minimal exclusions plus set benefits paid on preventative and major dental, optical, physiotherapy and remedial massage.

Select
Hospital Services
- Rehabilitation
- Hospital psychiatric services
- Palliative care
- Brain and nervous system
- Eye (not cataracts)
- Ear, nose and throat
- Tonsils, adenoids and grommets
- Bone, joint and muscle
- Joint reconstructions
- Kidney and bladder
- Male reproductive system
- Digestive system
- Hernia and appendix
- Gastrointestinal endoscopy
- Gynaecology
- Miscarriage and termination of pregnancy
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Pain Management
- Skin
- Breast Surgery (medically necessary)
- Diabetes Management (excluding insulin pumps)
- Heart and vascular system
- Lung & Chest
- Blood
- Back, neck and spine
- Plastic and reconstructive surgery (medically necessary)
- Dental surgery
- Podiatric surgery (by an accredited podiatric surgeon)
- Implantation of hearing devices
- Cataracts
- Joint replacements
- Dialysis for chronic kidney disease
- Pregnancy and birth
- Assisted reproductive services
- Weight loss surgery
- Insulin pumps
- Pain Management with Device
- Sleep studies
Extras Services
- Dental
- Optical
- Chiropractic and Osteopathy
- Physiotherapy and Hydrotherapy
- Myotherapy
- Acupuncture
- Orthodontics
- Remedial Massage
- Chinese Medicine
- Ambulance Subscription
- Ambulance Transport
- Exercise Physiology
- Psychology
- Counselling
- Pharmacy
- Travel Vaccinations
- Dietetics
- Audiology
- Antenatal and postnatal classes
- Eye therapy
- Speech therapy
- Occupational Therapy
- Podiatry
- Nursing
- Prostheses (non-surgical)
- Blood glucose monitor
- Extremity pump
- Nebuliser pump
- Sleep apnoea monitor
- Tens monitor
- Hearing aids
- Orthopaedic repairs
- Orthotic appliances (foot)
- Orthopaedic appliances
- Pressure garments
- Weight Management Program
- Fluoride dietary supplement
- Swimming lessons
- Flu Vaccination
- Cancer Council Australia UV Products
- Melanoma Surveillance Photography
- Nicotine replacement patches
- HPV Vaccination

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Why choose private health insurance with GMHBA

Upgraded cover in the event of an accident

Accidents happen, that’s why we have included accident protection on all hospital products*.

Emergency ambulance cover

Peace of mind during an emergency means a lot, which is why we have included emergency ambulance cover on all hospital products**.

Age Based Discount

GMHBA offer an age-based discount on all our hospital covers. If you're under the age of 30 and purchase any of our hospital covers, you’ll receive at least 2% off your hospital cover.

We're for people, not for profit

For nearly 90 years, we’ve been driven by believing health insurance should be run to benefit members, not shareholders.

We're committed to your health

Through our Healthier Together newsletter, podcast and, community events, we continue to support the health of our members.

We're part of your community

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.

FIND OUT MORE

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.

GET A QUOTE

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.

Private health insurance for couples

Browse and compare some of our couples products

Bronze Plus Advantage Hospital & Mid Extras Set Benefits

Hospital Services

Extras Services

Silver Plus Hospital & Mid Extras Set Benefits

Hospital Services

Extras Services

Silver Plus Premium Hospital & Mid Extras Set Benefits

Hospital Services

Extras Services

Why choose private health insurance with GMHBA

New to health insurance?

Switching to GMHBA

Find the right cover for you

We'll do the paperwork

You won't re-serve waiting periods*

Couples Cover FAQs

Need some help?