Health insurance for couples

Yes. You and your partner have the option of either being on a couples health insurance policy, or taking out two separate health insurance policies.

With HBF, a couples health insurance policy costs the same as paying for the same products on two singles policies (before applying the Australian Government Rebate on Private Health Insurance or Lifetime Health Cover loading). It's entirely up to you to decide what suits your needs best — we recommend exploring all available options before making a decision.

No, you don't need to be married to get couples cover. With HBF, a couples policy can be made up of two adult members who are living together as partners.

Note: If you or your partner are temporarily living apart due to work, study or family commitments, or to receive health-related treatment, you can still hold a couples policy together, as long as your marital or de facto relationship is continuing.

A couples policy covers just you and your partner. This means that you can't add kids to a couples policy. If you want a policy that covers you, your partner and your kids then you'll need to move to a family policy.

No. HBF, like most health funds, have a 12-month waiting period for pregnancy and birth. Waiting periods help to discourage people from signing up for health cover, claiming and leaving soon after, which drives premiums up for all other members of the health fund.