Couples health insurance
* Based on an Australian Government Rebate of %, % LHC loading, $ excess for a in .
Change your cover or compareCouples Hospital cover
If you need to go to hospital, having Hospital cover can help you avoid public wait lists and be treated where you want to, by a specialist you know and trust.
We do our best to help our members with Hospital cover avoid, or minimise, out-of-pocket expenses for doctors’ costs and hospital bills. We believe in sharing as much useful information as possible to help answer questions ahead of a hospital visit.
Couples Extras cover
Extras cover can help with everyday health expenses like dental, optical, physio and chiro. We also pay a Natural Therapies benefit for things like a remedial massage or acupuncture session.
Our Extras cover includes a Healthy Lifestyle benefit that you can use towards the cost of a service to help improve a health condition. This could be a gym membership, personal training sessions, or an online weight management program^.
Get 1 month free*
When you join with Hospital & Extras cover by 5 January. Plus skip the waits on things like general dental, optical and chiro. Enter promo code ‘ONE'.
Why UniHealth?
We’re for the education community
As the health insurance for higher education staff and their families, you’re at the heart of everything we do.
We’re for members, not profit
We’ve always given more back to members as benefits than the industry average.
We’re for care when you need it
As a private patient you can choose your doctor and avoid long public hospital waits (phew!).
We’re here for good
We're part of Teachers Health, Australia's largest industry health fund, supporting educators for over 70 years.
Find an Extras provider
Search for dental, optical and other Extras providers, by specialty, name or location.
Health Centres
Access quality dental and eyecare services in New South Wales, Victoria and South Australia.
Get more value
Find out more about affordable treatment options via your private health cover.
Couples health cover FAQs
Can I add my partner to my existing policy?
If you’re currently on single or single parent cover, you’ll need to move onto a couple or family membership (whichever is relevant to you).
Is couples’ health insurance cheaper?
Couples cover is designed for two people in a relationship. So, while it can cost more than singles cover, it covers more people!
In general, we keep premiums as low as we can. Our average annual premium increase for 2024 was 2.65% – below the industry average of 3.03%.
Do we have to be married for couples’ insurance?
No, couples cover is designed for married and de facto relationships.
Income, child and dependant have special definitions for Medicare Levy Surcharge purposes. For more information, see the ATO website
Does couple insurance cover pregnancy?
We’ve got a range of Hospital and Extras cover to suit everyone’s needs and budgets. If you’re looking for pregnancy cover, read our pregnancy and birth info to see which level of cover would suit you.
You may want Hospital cover so you can choose your obstetrician and have a private room, and Extras cover for things like childbirth education, massage and chiro. You’ll also want to make sure your kids’ needs are covered as they grow up.
Can divorced couples share health insurance in Australia?
No, couples or family cover is designed for people in married and de facto relationships (and their dependants).
If you have cover with us, however, your former partner may be eligible to join UniHealth. See more on who can join
Income, child and dependant have special definitions for Medicare Levy Surcharge purposes. For more information, see the ATO website
Can I change my cover if my life circumstances change?
Certainly. You can move onto singles cover or family cover.
Find out how to change your cover online if you're already a member with us.
Have a question? Find the answer in our FAQs
Terms and conditions
^To claim this benefit, in most cases you’ll need a health/medical professional to complete the Healthy Lifestyle program form to confirm the service you’re claiming for is to improve a specific health condition.
*Eligibility criteria and conditions apply. Offer is available to new members who join UniHealth with Hospital & Extras cover, or StarterPak (Basic Plus) by 5 January 2025. One month free health cover applies after the first direct debit contribution payment has been received. Two and six month waiting periods are waived on Extras services only. Enter the promo code 'ONE' when joining online. See terms and conditions