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Health lifestyle guide

Health Insurance for couples

Lifetime Health Cover

Lifetime Health Cover (LHC) loading is a government charge which adds 2% on to the price you pay for Hospital Cover if you sign up after 30 June following your 31st birthday. The loading increases by 2% for every year you don’t join, up to a maximum of 70% and can only be removed after 10 years of continuous Hospital Cover.

For example, if you sign up at the age of 40 you’ll pay an extra 20% for your Hospital Cover compared to someone who joined aged 31.

Visit the ATO for more information.

Medicare Levy Surcharge

The Medicare Levy Surcharge (MLS) is a government tax on top of the normal Medicare Levy and impacts singles with a taxable income of over $90,000 or families (including couples and single-parents) with a taxable income of over $180,000 who don’t have an appropriate level of private hospital insurance for the full financial year. 

Holding any AAMI Health Insurance Hospital Cover product means you won’t pay the MLS if your income is above the government threshold and you maintain your hospital cover for the full financial year.

Read the Suncorp Health Insurance Policy Booklet for more information. 

Visit the ATO for more information.

Choosing the right cover for you and your partner

Getting couples Health Insurance is a great way to make bill paying that little bit simpler and make sure you’re both covered for what you need.

If one or both of you is approaching 31, taking out Hospital Cover can help you avoid paying Lifetime Health Cover (LHC) loading, and the government’s Medicare Levy Surcharge, which applies if you earn over a certain threshold and don’t have Hospital Cover.

But, as you’re planning your future together, there are more benefits to couples Health Insurance than avoiding government fees.

Which health cover option could be right for you?

Having the right level of Hospital Cover for both you and your partner means you’ll have one less thing to stress about when you’re living your lives together.

Bronze Hospital Plus

Cover for the unexpected

As young and healthy people, hospitals are probably the last thing on your mind. That being said, accidents and illnesses can happen. Hospital Cover can give you and your partner that little extra peace of mind. 

Get a quote

 Download PDS

Medicare Levy Surcharge

The Medicare Levy Surcharge (MLS) is a government tax on top of the normal Medicare Levy and impacts singles with a taxable income of over $90,000 or families (including couples and single-parents) with a taxable income of over $180,000 who don’t have an appropriate level of private hospital insurance for the full financial year. 

Holding any AAMI Health Insurance Hospital Cover product means you won’t pay the MLS if your income is above the government threshold and you maintain your hospital cover for the full financial year.

Read the Suncorp Health Insurance Policy Booklet for more information. 

Visit the ATO for more information.

  • Choose which specialist treats you, when and where.
  • Avoid public hospital waiting lists for services covered by your policy.
  • Avoid the Medicare Levy Surcharge if eligible.

Aged Based Discount

When you’re in a couple, it’s no longer just your own health you need to prioritise. If the unexpected happens, like you become ill or get into an accident, you may wind up in hospital. Basic Hospital Insurance, like Suncorp Health Insurance Basic Hospital or Bronze Hospital Plus, can help take some stress off both of you if something happens.

Plus, if one or both of you is aged between 18 and 29 you may be eligible for the government’s age based discount. You could get up to 10% off your Hospital Cover until you turn 41.

Suncorp Health Insurance Starter Extras Cover

Get a little bit extra with your basics

After you’ve got the most important things sorted with your Hospital Cover, consider what extras you may need. With this policy, you’ll be eligible to claim on treatments like optical and physio, as well as major dental and natural therapies. Annual limits and conditions apply.

Get a quote

 Download PDS

  • Physio, chiro and osteo cover with annual limits.
  • General, preventative and major dental.
  • Natural therapies, including acupuncture.

This is just a summary. Waiting periods apply. For full details about what is and isn’t covered, read the Policy Booklet.

Don’t have children?

If you’re not quite ready or don’t plan on having kids, you probably won’t need cover for things like pregnancy and birth. Suncorp Health Insurance can help you keep it simple and make sure you’re only paying for the things you need with Basic Hospital Plus or Bronze Hospital Plus.

With the potential savings on basic levels of hospital cover, consider adding Extras Cover for the things you might need — like physio and optical.

Getting cover for you and your partner

If you’re starting a life journey with your loved one, the type of private Health Insurance you need can depend on your lifestyle and budget.

Don’t pay for the things you don’t need

When you don’t need cover for things like pregnancy, you don’t need to pay as much as if you were on a more comprehensive level of cover. Hospital Cover like Suncorp Health Insurance Basic Hospital Plus is designed to cover the basics and keep it affordable.

Cover for the things you do need

Falling ill or having an accident can happen at any stage in life. If you end up in hospital, having Health Insurance can help take some of the financial and emotional stress off you and your partner. Basic Hospital Plus or  Bronze Hospital Plus can help ensure you have one less thing to worry about.

Easy to manage

Suncorp Health Insurance makes it easy to switch from another fund*, and will recognise applicable waiting periods you’ve already served. Plus, we’ll help you with the paperwork!

Medicare Levy Surcharge

The Medicare Levy Surcharge (MLS) is a government tax on top of the normal Medicare Levy and impacts singles with a taxable income of over $90,000 or families (including couples and single-parents) with a taxable income of over $180,000 who don’t have an appropriate level of private hospital insurance for the full financial year. 

Holding any AAMI Health Insurance Hospital Cover product means you won’t pay the MLS if your income is above the government threshold and you maintain your hospital cover for the full financial year.

Read the Suncorp Health Insurance Policy Booklet for more information. 

Visit the ATO for more information.

Avoid paying a levy at tax time

If your combined annual income is over $180,000 and you haven’t maintained private Hospital Cover for a full financial year, you’ll have to pay a Medicare Levy Surcharge to the government. That’s why it’s important to get your private Health Insurance sorted before tax time.

*Make sure you read your Policy Booklet for full details and requirements of switching from another insurer.

Suncorp Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib), a registered private health insurer, and is marketed by Platform CoVentures Pty Ltd ABN 82 626 829 623 (PC), a Suncorp Group company. PC is an authorised agent of nib and receives commission from nib. Read the policy booklet before buying this insurance.

Aged Based Discount

Lifetime Health Cover

Lifetime Health Cover (LHC) loading is a government charge which adds 2% on to the price you pay for Hospital Cover if you sign up after 30 June following your 31st birthday. The loading increases by 2% for every year you don’t join, up to a maximum of 70% and can only be removed after 10 years of continuous Hospital Cover.

For example, if you sign up at the age of 40 you’ll pay an extra 20% for your Hospital Cover compared to someone who joined aged 31.

Visit the ATO for more information.

Medicare Levy Surcharge

The Medicare Levy Surcharge (MLS) is a government tax on top of the normal Medicare Levy and impacts singles with a taxable income of over $90,000 or families (including couples and single-parents) with a taxable income of over $180,000 who don’t have an appropriate level of private hospital insurance for the full financial year. 

Holding any AAMI Health Insurance Hospital Cover product means you won’t pay the MLS if your income is above the government threshold and you maintain your hospital cover for the full financial year.

Read the Suncorp Health Insurance Policy Booklet for more information. 

Visit the ATO for more information.