Health insurance for couples

Being a couple means caring for two. We're here to help with that. With HBF, you'll both get peace of mind at a price you can afford.

Find the right health insurance for you and your partner

Choose your life stage and we'll show health cover options that include the services couples like you care about most.

Basic Hospital Plus & Basic Extras

You don't want private maternity cover – you just want Basic Hospital and Extras cover

Basic Hospital Plus

  • Cover for a few basic services, including tonsils and appendix removal
  • Accident cover from the day after you join

Basic Extras

  • Includes General Dental, Optical, Physio and 4 more common services

Gold Hospital & Flex 50

You want private maternity and flexible extras cover

Gold Hospital

  • Our highest level of hospital cover which includes pregnancy and birth
  • Cover for a hospital boarder, so your partner can stay with you2

Flex 50

  • Get 50% or more back at the provider of your choice1
  • Each family member gets an $800 combined annual limit to spend how they want across your included services2

Cover to suit your needs

Tell us a little about yourself, and in 3 minutes we'll find our best cover to suit your needs.

Showing 2 combinations only. You can match your own health cover here.

Why trust HBF for your health insurance

Looking after Australians for nearly 80 years

We always put our members first

We're a not-for-profit organisation, so we focus on giving more back to members

HBF health members also get access to great discounts and health programs

  • Join the gym for less with discounts on gym membership3
  • Work out in style with discounts on fitness apparel3
  • We’ll help you get well with telephone health coaching and other free health programs4
  • Say goodbye to sniffles with a fully covered flu vaccination every year4

Switching to HBF is as easy as 1, 2, 3

Switching health funds is easier than you think. Follow these three simple steps to switch to HBF in just a few minutes.

  1. Choose health cover that suits your needs.
  2. Buy your health cover online. If you’d prefer to chat, visit your local branch or call 133 423.
  3. Tell us the name of your old insurer and we’ll do the switching paperwork for you.

Switch to HBF

Do you need to be married for couples cover?

You don’t need to be married to get couples cover. You can get couples cover so long as there are two adults on the policy who are either in a de facto relationship or married.

Is couples health insurance cheaper than buying two singles health cover policies?

It depends on your health fund and the health cover you choose. With HBF, a couples health cover policy just costs double the price of a singles health cover policy (before applying the Australian Government Rebate on Private Health Insurance or Lifetime Health Cover loading).

Can my partner and I just get two single health cover policies?

Yes. As a couple, you have the option of getting couples health insurance (so you’re both covered on the same policy) or a singles health insurance policy each. It’s entirely up to you and what best suits your needs.

Do I need couples cover if I’m planning a family?

It’s up to you. If you’d like you and your partner to be covered on the same policy, you can get couples health cover with maternity. But you also have the option of getting singles health insurance with maternity, and another singles policy without it. When your baby arrives, you can then transition to family health cover, so you, your partner and your new baby can all be covered on the same policy.

Is there maternity cover with no waiting period?

No. Most health funds, including HBF, have a 12-month waiting period for maternity cover. This helps stop people from signing up for health cover, claiming and leaving, which drives up premiums for the health fund’s other members.

Get in touch with HBF

We'll help you find our best cover that suits your needs.