What is a cheap couple’s policy to suit my needs?

Couples can makes things easier

Looking to compare cheap health insurance for couples can lead you to all different kinds of comparison sites or health funds, and can make things more difficult than they have to be. At Frank, we pride ourselves on not being like anyone else. We know you’re not, so why should we be? If you are a young couple or an older couple, we can make your task to compare cheap health insurance for couples rewarding by offering simple, affordable and flexible health cover options. That is our main aim. Having couples insurance doesn’t have to be complicated. In fact, having everything in one spot for you and your partner can actually make things easier. Having one policy instead of two single ones can make it simpler to manage, and can also make it easier to remember what you are both covered for and what you’re not.

* The price shown is per week and applies to a {LIFESTAGE} living in VIC with a $500 excess. It excludes LHC loading and includes a Base Tier Government Rebate

When you are looking to compare cheap health insurance for couples, start with understanding whether you want hospital or extras cover, or both. Hospital insurance will provide cover when you are admitted to a private hospital, or to a public hospital as a private hospital. Extras cover provides benefits for what are sometimes called ancillary treatments like dental, chiro, optical, alternative therapies and much more. These kinds of treatments are usually received outside of hospital and, as a general rule, aren’t usually covered by Medicare. Another thing to remember when you compare cheap health insurance for couples is that just because a policy is cheap doesn’t mean it won’t give you what you want or need. And conversely, if a policy is expensive it might cover you for treatments you will never use. So, starting to compare cheap health insurance for couples by coming and looking at us can be a good first move.

There are plenty of options

The flexibility we mentioned above is clear when you look at our hospital and extras policies.  Our four hospital policies can provide you with everything from a basic public-only hospital cover to a comprehensive policy that can give you total peace of mind. If you choose a policy that offers private hospital cover, you may be able to avoid the public hospital waiting lists and can also choose your doctor or specialist. This can be important when you compare cheap health insurance for couples. Our hospital policies are aimed at suiting most budgets and the different levels are usually the result of offering different services, treatments and options. We pride ourselves in making all our policies affordable, and that can be seen in our hospital plans.

Our most comprehensive Best Hospital plan costs less than a large takeaway coffee a day, and our Basic Hospital plan can cost less than half that. When you compare cheap health insurance for couples you will find our Basic Hospital covers you as a private patient in a public hospital only. This can allow you to save a few bucks and be treated in the public system. It will mean you won’t avoid the public waiting lists, but you can still get hospital cover as a private patient. Our next level up is Basic Hospital (Some Private). That policy does as it sounds, and can be a good compromise when you compare cheap health insurance for couples as it covers you for public hospital admission as a private patient for most treatments, but covers you for private hospital admission for common treatments such as accidents, appendix removal, minor gynaecological and more.

When it comes to extras, looking to compare cheap health insurance for couples can be tricky, but not with us. We offer two kinds of extras cover – Lots and Some. Both our extras plans offer two levels of benefits – 50% and 80%. This allows you to choose a policy level that suits your budget, and have choice of premium levels within that policy, based on the amount you can claim back. Both policies include common treatments such as dental – both major and general – as well as optical, chiro and a lot more. When you compare cheap health insurance for couples, having this kind of flexibility and choice within extras policies can be a real advantage.

What about pregnancy?

It’s not a huge step to go from looking to compare cheap health insurance for couples to looking for family cover. The great news is it’s not a huge step to do it either. When you change from a couples policy to a family policy, you can do it without it costing you a cent. That’s how simple we can make things. But, there’s one important thing to remember. If you are thinking of having a baby, even if you are just thinking about it, change to a family policy as soon as you can. This is because there is usually a 12 month waiting period on most hospital treatments when it comes to pregnancy. So, if you do it when you fall pregnant, it will be too late. There are also lots of pregnancy-related treatments covered in our extras policies, so if you don’t already have extras, deciding to have a baby can be a good time to get one. Other things to think about when you compare cheap health insurance for couples is what treatments do you think you will need.

Take a close look at your health, your family’s health and maybe even talk to your doctor. The last thing you want is to have a policy that doesn’t cover you for a treatment you are likely to need. Conversely, you don’t want to be paying for a cover that includes a heap of treatments you could be likely to never need, or even want. Also, look at your lifestyle, whether you play sport or are an active person. All these judgments will make it easier to compare and choose.

Get 1 month free + skip 2 & 6 month waits on extras* when you join on combined cover by March 31.

*For new members (if you have been a Frank Health Insurance member in the last 12 months, sorry you don’t qualify). Must pay first month to receive second month free. 12 month waits, annual and sub limits apply. Offer ends 31 March, 2018.