We are a couple without kids, should we have separate policies?

When it comes to navigating the world of private health insurance plans, couples often find themselves at a crossroads, wondering whether they should opt for a joint policy or maintain separate ones. The decision isn’t always straightforward, but it can have a significant impact on your finances and private healthcare coverage. So, the question is – should you and your partner have separate health insurance policies, especially if you don’t have children together? Let’s explore the options and weigh up the pros and cons.

Separate Private Health Insurance Policies for Couples

For many couples without children, taking out two separate private health insurance policies can be a smart move. Here’s why:

More Control Over Your Coverage:

With individual policies, you have the freedom to tailor your coverage to your specific health needs. You can select a policy with extras like dental, optical, or physiotherapy, without the need to consider your partner’s requirements. If your partner has specific health concerns that require specific coverage, having separate policies ensures you’re not paying for something you don’t need.


If your health needs change over time, adjusting an individual policy is a breeze. You won’t have to coordinate with your partner when it comes to switching or modifying health insurance plans.

Access to Personalised Benefits:

Many insurers offer discounts and rebates designed exclusively for individual policyholders. These perks can help you save on your private health insurance costs.

No Need for Compromise:

Choosing a private health insurance policy can be a complex process, and individuals often have varying needs and preferences. With separate policies, you won’t have to navigate middle-ground solutions with your partner regarding which policy to select or which extras to include.

For couples without children, individual private health insurance policies can offer a tailored and cost-effective approach to private health coverage.

Combined Private Health Insurance Policies for Couples

While separate policies have their advantages, there are also compelling reasons to consider a combined private health insurance plan as a couple:

Peace of Mind:

A shared policy provides the comfort of knowing that both you and your partner are covered under the same plan. This can alleviate concerns about gaps in coverage or unanticipated health expenses.

Payment Convenience:

Managing a single premium payment for a joint policy can simplify the financial aspect of health insurance. It’s one less bill to worry about, and it may be more cost-effective in the long run.

Simplified Record-Keeping:

Maintaining one policy rather than two can streamline record-keeping and paperwork, saving you time and reducing administrative hassles.

Additions for Growing Families:

Other couples’ policies allow you to add a child to the policy, transforming it into a family plan without the need to serve new waiting periods.

However, it’s essential to consider the potential downsides of a joint policy:

Different Health Needs:

Individuals have unique health requirements, and sharing a policy might not always provide the ideal coverage for both parties.

Loss of Privacy:

When you share private health insurance, both parties’ health information is accessible to the other. This may not be a comfortable situation for those who prefer to keep their medical history and health matters private.

Lifetime Health Cover Loading:

If one partner has a higher Lifetime Health Cover (LHC) loading, it may result in a higher premium for the couple’s policy. The LHC loading is a government initiative aimed at encouraging early adoption of private health insurance. If one partner has a high LHC loading, it might be more cost-effective for the other to maintain an individual policy until the loading is removed.

The decision to opt for separate or combined private health insurance plans for couples without children ultimately depends on your specific needs, preferences, and circumstances. It’s a choice that warrants careful consideration. 

If you’re still uncertain and would like to compare the best health coverage options, our team is here to assist you. 

Feel free to call us at 1300 861 413 or email us at hello@health.compare 

We’re committed to helping you find the perfect private health insurance policy tailored to your unique requirements. Your health and financial well-being are our top priorities, and we’re here to guide you on your journey to the best private health coverage.

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