Getting private health insurance can be good for you and your community. When you compare and buy health insurance with us you’ll get a health insurance policy to meet your health needs. We also give 100% of our profits to our charity partners.
Should I combine my policy with my partner’s policy?
People often combine their private health insurance policy with their partner’s policy because it is convenient but did you know it may not be cheaper?
If there is an age gap between you and your partner your health needs might differ overtime. For example, your partner might need cover for cataracts or hearing aids sooner than you do. Or one of you might still want the option of orthodontic treatment.
Ask our health insurance advisors if it might be cheaper to maintain separate policies or combine them.
What are the financial incentives to get health insurance?
There are a number of incentives you may be eligible for. They include:
- Policy discounts for people under 30 years of age
- Government rebates based on your taxable income
- Avoiding the Medicare Levy Surcharge when you have private hospital cover
- Avoiding the Lifetime Health Cover Loading by taking out private hospital cover before you turn 31 years old.
What should I consider when getting private health insurance?
Here are the top 3 things to consider when speaking with one of our health insurance advisors:
- Stage of life – are you getting married, divorced, having children, retiring?
- Family health – are there any pre-existing or family health conditions you want to be covered for like heart and vascular or cataracts?
- Budget – how much can you afford to pay and do you need just hospital cover?
Will I NEED TO CHANGE POLICY IF WE HAVE A BABY?
You might need to change to a family policy unless your health insurer will let you add your child to your couples policy. Our team can help you make an informed decision on what might work best for your life stage.