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Couples health insurance

Cover for both you and your partner, whether you want peace of mind or comprehensive protection.

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Here's why you should choose nib

4% discount

Get 4% off your premiums when you choose to pay by direct debit (excludes Ambulance Only cover).

Minimise out of pockets

Our healthcare networks help you get the best value from your cover and lower out of pocket costs.

Make tax savings

Having health cover could mean you save on tax if the two of you have a combined taxable income of over $180,000.

Your cover at your fingertips

Manage your policy wherever you are with your member account and the nib App. Snap a photo of your receipt to claim, check your benefits on the go, and more!

100% back*

No gap on dental check-ups, selected glasses and contact lenses as well as other great discounts at nib Dental and Eye Care Centres.

*Terms and conditions apply.
Find out more

Why it's worth being with nib

When you join you get more than just great health cover. See all the benefits you and your partner can enjoy as members.

4% discount

Get 4% off your premiums when you choose to pay by direct debit (excludes Ambulance Only cover).

Minimise out of pockets

Our healthcare networks help you get the best value from your cover and lower out of pocket costs.

Make tax savings

Having health cover could mean you save on tax if the two of you have a combined taxable income of over $180,000.

Your cover at your fingertips

Manage your policy wherever you are with your member account and the nib App. Snap a photo of your receipt to claim, check your benefits on the go, and more!

100% back*

No gap on dental check-ups, selected glasses and contact lenses as well as other great discounts at nib Dental and Eye Care Centres.

*Terms and conditions apply.
Find out more

Why it's worth being with nib

When you join you get more than just great health cover. See all the benefits you and your partner can enjoy as members.

Couples cover options

Our health cover is flexible, so you can choose the right combination of Hospital and Extras cover for both of you.

Hospital

Both of you are covered if you’re admitted to hospital. Just choose the tier and excess amount that works best for you.

All our Hospital products come with accidental injury and emergency ambulance cover, and have no annual limits.

Basic Essential Hospital Plus

Basic cover for you and your partner that includes some specific hospital services.

  • Dental surgery
  • Gastrointestinal endoscopy
  • Gynaecology
  • Hernia and appendix
  • Joint reconstructions

Bronze Hospital Plus

Affordable cover for both of you that includes a wider range of hospital procedures.

  • Dental surgery
  • Gastrointestinal endoscopy
  • Bone, joint and muscle
  • Ear, nose and throat
  • Kidney and bladder
  • Lung and chest

Silver Hospital

Comprehensive cover, without paying for costly age-related services that the two of you might not need.

  • Dental surgery
  • Gastrointestinal endoscopy
  • Bone, joint and muscle
  • Ear, nose and throat
  • Kidney and bladder
  • Lung and chest
  • Back, neck and spine
  • Heart and vascular system

Silver Advantage Hospital Plus

High level cover, without pregnancy, weight loss surgery and other services.

  • Dental surgery
  • Gastrointestinal endoscopy
  • Bone, joint and muscle
  • Ear, nose and throat
  • Kidney and bladder
  • Lung and chest
  • Back, neck and spine
  • Heart and vascular system
  • Rehabilitation
  • Cataracts
  • Joint replacements

Gold Top Hospital

Fully comprehensive cover to give both of you total peace of mind.

  • Dental surgery
  • Gastrointestinal endoscopy
  • Bone, joint and muscle
  • Ear, nose and throat
  • Kidney and bladder
  • Lung and chest
  • Back, neck and spine
  • Heart and vascular system
  • Rehabilitation
  • Cataracts
  • Joint replacements
  • Hospital psychiatric services
  • Weight loss surgery
  • Pregnancy and birth

Basic Essential Hospital Plus

Basic cover for you and your partner that includes some specific hospital services.

  • Dental surgery
  • Gastrointestinal endoscopy
  • Gynaecology
  • Hernia and appendix
  • Joint reconstructions

Bronze Hospital Plus

Affordable cover for both of you that includes a wider range of hospital procedures.

  • Dental surgery
  • Gastrointestinal endoscopy
  • Bone, joint and muscle
  • Ear, nose and throat
  • Kidney and bladder
  • Lung and chest

Silver Hospital

Comprehensive cover, without paying for costly age-related services that the two of you might not need.

  • Dental surgery
  • Gastrointestinal endoscopy
  • Bone, joint and muscle
  • Ear, nose and throat
  • Kidney and bladder
  • Lung and chest
  • Back, neck and spine
  • Heart and vascular system

Silver Advantage Hospital Plus

High level cover, without pregnancy, weight loss surgery and other services.

  • Dental surgery
  • Gastrointestinal endoscopy
  • Bone, joint and muscle
  • Ear, nose and throat
  • Kidney and bladder
  • Lung and chest
  • Back, neck and spine
  • Heart and vascular system
  • Rehabilitation
  • Cataracts
  • Joint replacements

Gold Top Hospital

Fully comprehensive cover to give both of you total peace of mind.

  • Dental surgery
  • Gastrointestinal endoscopy
  • Bone, joint and muscle
  • Ear, nose and throat
  • Kidney and bladder
  • Lung and chest
  • Back, neck and spine
  • Heart and vascular system
  • Rehabilitation
  • Cataracts
  • Joint replacements
  • Hospital psychiatric services
  • Weight loss surgery
  • Pregnancy and birth

Understanding couples health cover

When to move from singles to couples cover?

There comes a time in any relationship when you have the big 'commitment' chat and wh…

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How much is an emergency ambulance in my state?

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Over 50s guide to health insurance

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When to move from singles to couples cover?

There comes a time in any relationship when you have the big 'commitment' chat and wh…

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How much is an emergency ambulance in my state?

If you’re in an emergency situation with an ambulance on the way, you might be in for…

Read more 3 minute read

Over 50s guide to health insurance

You’ve reached that time in your life when it’s never been more important to look after…

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Choose the combination of Hospital and Extras cover that meets the needs of you and your partner.