Couples Health Insurance – Flexible & Affordable Cover

Couples health insurance at Phoenix Health Fund.

Quality couples health cover tailored for you and your partner.
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Couples Health Insurance

Cover that Gives You Peace of Mind

Choosing the right health insurance is an important decision, especially for couples who want to protect their health and plan for the future together. Whether you’re newly partnered, planning a family, or simply looking for better health cover, Phoenix Health understands that every couple has different needs. That’s why our couples health insurance is designed to be reliable, flexible, and affordable.

With a range of hospital cover, extras cover, or combined cover options, Phoenix Health provides access to quality healthcare when you need it. From dental and physiotherapy to major hospital treatments, our flexible plans ensure that both of you are covered for what matters most.

We make choosing health insurance easy. Our simple comparison tools help you find the right plan with confidence, so you can enjoy the reassurance of knowing you’re with a trusted not-for-profit health insurer that puts members first.

couples health insurance

Why Choose Phoenix Health for Couples?

  • Flexible Extras Covers

    Each partner gets their own annual extras limits, so you can both claim for services like dental, physiotherapy, and optical without sharing benefits.

  • Affordable Premiums

    Enjoy competitive pricing that ensures you get quality health cover without stretching your budget.

  • Australia-Wide Private Hospital Access

    Get treated as a private patient at over 480 private hospitals, skipping public waitlists and choosing the specialists you trust. (Phoenix Health is a proud member of the Australian Health Services Alliance (AHSA).)

  • Comprehensive Ambulance Cover

    Be prepared for the unexpected with nationwide ambulance cover for emergencies.

  • Customisable Cover Options

    Choose from six hospital covers and three extras covers, with the ability to mix and match to suit your needs. Unsure what’s best? Our expert team is here to help.

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Basic Accident Only Hospital & Kick Start Extras 50
Phoenix Health Fund has been operating for over 65 years originally established for the employees of the Australian Steel Industry. Now open to all Australian’s the fund provides generous benefits with good old-fashioned service. As a not-for-profit insurer our core focus is our members’ and our commitment to reinvesting into services and benefits that support and improve the health outcome of our membership. Phoenix Health Fund is also proud to be a founder of Members Own Health Fund, whose purpose is to collectively represent the smaller not-for-profit health funds across the industry and support the reduction to member expenses and maximise member benefits.
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Basic Accident Only Hospital & Healthy Flex Extras 50
Phoenix Health Fund has been operating for over 65 years originally established for the employees of the Australian Steel Industry. Now open to all Australian’s the fund provides generous benefits with good old-fashioned service. As a not-for-profit insurer our core focus is our members’ and our commitment to reinvesting into services and benefits that support and improve the health outcome of our membership. Phoenix Health Fund is also proud to be a founder of Members Own Health Fund, whose purpose is to collectively represent the smaller not-for-profit health funds across the industry and support the reduction to member expenses and maximise member benefits.
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Bronze Hospital & Kick Start Extras 50
Phoenix Health Fund has been operating for over 65 years originally established for the employees of the Australian Steel Industry. Now open to all Australian’s the fund provides generous benefits with good old-fashioned service. As a not-for-profit insurer our core focus is our members’ and our commitment to reinvesting into services and benefits that support and improve the health outcome of our membership. Phoenix Health Fund is also proud to be a founder of Members Own Health Fund, whose purpose is to collectively represent the smaller not-for-profit health funds across the industry and support the reduction to member expenses and maximise member benefits.
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Bronze Plus Essentials Hospital & Kick Start Extras 50
Phoenix Health Fund has been operating for over 65 years originally established for the employees of the Australian Steel Industry. Now open to all Australian’s the fund provides generous benefits with good old-fashioned service. As a not-for-profit insurer our core focus is our members’ and our commitment to reinvesting into services and benefits that support and improve the health outcome of our membership. Phoenix Health Fund is also proud to be a founder of Members Own Health Fund, whose purpose is to collectively represent the smaller not-for-profit health funds across the industry and support the reduction to member expenses and maximise member benefits.
SEE POLICY DETAILS
GET A QUOTE
Bronze Hospital & Healthy Flex 50
Phoenix Health Fund has been operating for over 65 years originally established for the employees of the Australian Steel Industry. Now open to all Australian’s the fund provides generous benefits with good old-fashioned service. As a not-for-profit insurer our core focus is our members’ and our commitment to reinvesting into services and benefits that support and improve the health outcome of our membership. Phoenix Health Fund is also proud to be a founder of Members Own Health Fund, whose purpose is to collectively represent the smaller not-for-profit health funds across the industry and support the reduction to member expenses and maximise member benefits.
SEE POLICY DETAILS
GET A QUOTE
Bronze Plus Essentials Hospital & Healthy Flex 50
Phoenix Health Fund has been operating for over 65 years originally established for the employees of the Australian Steel Industry. Now open to all Australian’s the fund provides generous benefits with good old-fashioned service. As a not-for-profit insurer our core focus is our members’ and our commitment to reinvesting into services and benefits that support and improve the health outcome of our membership. Phoenix Health Fund is also proud to be a founder of Members Own Health Fund, whose purpose is to collectively represent the smaller not-for-profit health funds across the industry and support the reduction to member expenses and maximise member benefits.
SEE POLICY DETAILS
GET A QUOTE
Basic Accident Only Hospital & Value Extras 60
Phoenix Health Fund has been operating for over 65 years originally established for the employees of the Australian Steel Industry. Now open to all Australian’s the fund provides generous benefits with good old-fashioned service. As a not-for-profit insurer our core focus is our members’ and our commitment to reinvesting into services and benefits that support and improve the health outcome of our membership. Phoenix Health Fund is also proud to be a founder of Members Own Health Fund, whose purpose is to collectively represent the smaller not-for-profit health funds across the industry and support the reduction to member expenses and maximise member benefits.
SEE POLICY DETAILS
GET A QUOTE
Silver Plus Support Hospital & Kick Start Extras 50
Phoenix Health Fund has been operating for over 65 years originally established for the employees of the Australian Steel Industry. Now open to all Australian’s the fund provides generous benefits with good old-fashioned service. As a not-for-profit insurer our core focus is our members’ and our commitment to reinvesting into services and benefits that support and improve the health outcome of our membership. Phoenix Health Fund is also proud to be a founder of Members Own Health Fund, whose purpose is to collectively represent the smaller not-for-profit health funds across the industry and support the reduction to member expenses and maximise member benefits.
SEE POLICY DETAILS
GET A QUOTE
Bronze Hospital & Value Extras 60
Phoenix Health Fund has been operating for over 65 years originally established for the employees of the Australian Steel Industry. Now open to all Australian’s the fund provides generous benefits with good old-fashioned service. As a not-for-profit insurer our core focus is our members’ and our commitment to reinvesting into services and benefits that support and improve the health outcome of our membership. Phoenix Health Fund is also proud to be a founder of Members Own Health Fund, whose purpose is to collectively represent the smaller not-for-profit health funds across the industry and support the reduction to member expenses and maximise member benefits.
SEE POLICY DETAILS
GET A QUOTE
Bronze Plus Essentials Hospital & Value Extras 60
Phoenix Health Fund has been operating for over 65 years originally established for the employees of the Australian Steel Industry. Now open to all Australian’s the fund provides generous benefits with good old-fashioned service. As a not-for-profit insurer our core focus is our members’ and our commitment to reinvesting into services and benefits that support and improve the health outcome of our membership. Phoenix Health Fund is also proud to be a founder of Members Own Health Fund, whose purpose is to collectively represent the smaller not-for-profit health funds across the industry and support the reduction to member expenses and maximise member benefits.
SEE POLICY DETAILS
GET A QUOTE
Silver Plus Support Hospital & Healthy Flex Extras 50
Phoenix Health Fund has been operating for over 65 years originally established for the employees of the Australian Steel Industry. Now open to all Australian’s the fund provides generous benefits with good old-fashioned service. As a not-for-profit insurer our core focus is our members’ and our commitment to reinvesting into services and benefits that support and improve the health outcome of our membership. Phoenix Health Fund is also proud to be a founder of Members Own Health Fund, whose purpose is to collectively represent the smaller not-for-profit health funds across the industry and support the reduction to member expenses and maximise member benefits.
SEE POLICY DETAILS
GET A QUOTE
Silver Plus Support Hospital & Value Extras 60
Phoenix Health Fund has been operating for over 65 years originally established for the employees of the Australian Steel Industry. Now open to all Australian’s the fund provides generous benefits with good old-fashioned service. As a not-for-profit insurer our core focus is our members’ and our commitment to reinvesting into services and benefits that support and improve the health outcome of our membership. Phoenix Health Fund is also proud to be a founder of Members Own Health Fund, whose purpose is to collectively represent the smaller not-for-profit health funds across the industry and support the reduction to member expenses and maximise member benefits.
SEE POLICY DETAILS
GET A QUOTE
Silver Plus Advantage Hospital & Kick Start Extras 50
Phoenix Health Fund has been operating for over 65 years originally established for the employees of the Australian Steel Industry. Now open to all Australian’s the fund provides generous benefits with good old-fashioned service. As a not-for-profit insurer our core focus is our members’ and our commitment to reinvesting into services and benefits that support and improve the health outcome of our membership. Phoenix Health Fund is also proud to be a founder of Members Own Health Fund, whose purpose is to collectively represent the smaller not-for-profit health funds across the industry and support the reduction to member expenses and maximise member benefits.
SEE POLICY DETAILS
GET A QUOTE
Silver Plus Advantage Hospital & Healthy Flex 50
Phoenix Health Fund has been operating for over 65 years originally established for the employees of the Australian Steel Industry. Now open to all Australian’s the fund provides generous benefits with good old-fashioned service. As a not-for-profit insurer our core focus is our members’ and our commitment to reinvesting into services and benefits that support and improve the health outcome of our membership. Phoenix Health Fund is also proud to be a founder of Members Own Health Fund, whose purpose is to collectively represent the smaller not-for-profit health funds across the industry and support the reduction to member expenses and maximise member benefits.
SEE POLICY DETAILS
GET A QUOTE
Silver Plus Advantage Hospital & Value Extras 60
Phoenix Health Fund has been operating for over 65 years originally established for the employees of the Australian Steel Industry. Now open to all Australian’s the fund provides generous benefits with good old-fashioned service. As a not-for-profit insurer our core focus is our members’ and our commitment to reinvesting into services and benefits that support and improve the health outcome of our membership. Phoenix Health Fund is also proud to be a founder of Members Own Health Fund, whose purpose is to collectively represent the smaller not-for-profit health funds across the industry and support the reduction to member expenses and maximise member benefits.
SEE POLICY DETAILS
GET A QUOTE
Silver Plus Family Hospital & Kick Start Extras 50
Phoenix Health Fund has been operating for over 65 years originally established for the employees of the Australian Steel Industry. Now open to all Australian’s the fund provides generous benefits with good old-fashioned service. As a not-for-profit insurer our core focus is our members’ and our commitment to reinvesting into services and benefits that support and improve the health outcome of our membership. Phoenix Health Fund is also proud to be a founder of Members Own Health Fund, whose purpose is to collectively represent the smaller not-for-profit health funds across the industry and support the reduction to member expenses and maximise member benefits.
SEE POLICY DETAILS
GET A QUOTE
Silver Plus Family Hospital & Healthy Flex Extras 50
Phoenix Health Fund has been operating for over 65 years originally established for the employees of the Australian Steel Industry. Now open to all Australian’s the fund provides generous benefits with good old-fashioned service. As a not-for-profit insurer our core focus is our members’ and our commitment to reinvesting into services and benefits that support and improve the health outcome of our membership. Phoenix Health Fund is also proud to be a founder of Members Own Health Fund, whose purpose is to collectively represent the smaller not-for-profit health funds across the industry and support the reduction to member expenses and maximise member benefits.
SEE POLICY DETAILS
GET A QUOTE
Silver Plus Family Hospital & Value Extras 60
Phoenix Health Fund has been operating for over 65 years originally established for the employees of the Australian Steel Industry. Now open to all Australian’s the fund provides generous benefits with good old-fashioned service. As a not-for-profit insurer our core focus is our members’ and our commitment to reinvesting into services and benefits that support and improve the health outcome of our membership. Phoenix Health Fund is also proud to be a founder of Members Own Health Fund, whose purpose is to collectively represent the smaller not-for-profit health funds across the industry and support the reduction to member expenses and maximise member benefits.
SEE POLICY DETAILS
GET A QUOTE

Support for Your Health Insurance Journey

Choosing the right couples health insurance is more than just selecting a policy—it’s about having the right support at every stage of your journey. At Phoenix Health, we go beyond providing cover; we offer guidance, resources, and personalised service to help you make informed decisions with confidence.

Whether you’re switching from another provider, navigating waiting periods, or comparing private health insurance options, our team is here to make the process simple and stress-free.

Health Cover That Works for Both of You

  • Personalised Support – Get expert advice on choosing the best hospital and extras cover for your lifestyle and future plans.
  • Seamless Transfers – Already have private health insurance? We recognise waiting periods already served, making it easy to switch.
  • Flexible Cover Choices – Select from a range of hospital and extras plans, ensuring you’re only paying for what you need.
  • Everyday Health & Wellbeing – Beyond hospital cover, our extras include essential services like dental, optical, and physiotherapy, so you can stay healthy year-round.
  • Ongoing Health Support – Access Health Support Programs designed to help you stay active, manage chronic conditions, and maintain overall wellbeing.

Don’t just take our word for it—see why our members trust Phoenix Health by reading their reviews on ProductReview.com.au.

We believe health insurance for couples should be easy, flexible, and tailored to your needs. With Phoenix Health, you and your partner can focus on what matters—living life with confidence and peace of mind.

Couples Coverage that Makes Sense

Couples health insurance is more than just a policy—it’s about knowing you and your partner are covered for life’s unexpected moments. At Phoenix Health, ensure your health cover provides access to quality healthcare services, so you can spend more time building your future together.

From dental and physiotherapy to private hospital cover for essential treatments, our flexible plans ensure that both of you get the care you need, when you need it. Accidents and illnesses can happen at any time, but with Phoenix Health, you’re prepared.

Take Advantage of Government Initiatives

With Phoenix Health, you get flexible, comprehensive cover so you can both feel secure in your healthcare choices.

FAQs

  • What is private health insurance and why should couples have it?

    Private health insurance provides access to private hospitals, shorter wait times for treatment, and tailored extras services that support your ongoing health. Unlike the public system, private cover gives you and your partner the flexibility to choose your healthcare providers and receive treatment when you need it (without long waiting lists).

    ~ For couples, private health insurance offers:

    ~ Greater flexibility – Choose your preferred doctors, hospitals, and treatment options.

    ~ Shorter wait times – Access faster treatment for elective procedures and specialist care.

    ~ Extras benefits – Cover for dental, optical, physiotherapy, and more to support long-term health.

    By choosing couples health cover, you and your partner can enjoy comprehensive healthcare protection while saving money in the long run.

  • What’s included in couples health cover?

    Phoenix Health offers a range of hospital and extras cover options, ensuring you and your partner have the right level of protection to match your lifestyle and healthcare needs. Some of the options include:

    ~ Private hospital care – Choose your hospital and specialists as well as access to health support programs.

    ~ Extras cover – Includes dental, optical, physiotherapy, and alternative therapies to keep you healthy.

    ~ Elective surgery – Faster access to procedures as you avoid the long public waiting lists 

    ~ Mental health support – Access counselling, psychology services, and wellness programs.

    ~ Pregnancy and fertility treatments (with certain hospital cover levels) – For couples planning to start a family.

    ~ Emergency ambulance cover – Included with all Phoenix Health hospital covers.

    With flexible hospital and extras cover options, you can mix and match your policy to create the best couples health insurance plan to fit your budget and lifestyle.

  • Are ambulance services included in couples health cover?

    All Phoenix Health hospital covers include comprehensive ambulance cover, so you and your partner are protected in case of an emergency. Without cover, Ambulance transport costs range from hundreds to thousands of dollars depending on the situation and location. With Phoenix Health’s couples health insurance, you won’t have to worry about costly ambulance bills

  • What are the waiting periods for couples cover?

    Waiting periods vary depending on the type of cover you choose. Typically, it’s 12 months for pre-existing conditions and shorter for extras like dental and optical. Learn more about waiting periods.

  • Can we have both private hospital and extras cover?

    You sure can. Phoenix Health allows couples to combine hospital and extras cover, ensuring comprehensive healthcare protection for both of you.

    ~ Hospital cover – Protects you if you need specialist care, surgery, or emergency treatment.

    ~ Extras cover – Provides ongoing health support for preventative care, physiotherapy, and dental services.

    If you’re looking for the best health insurance for couples, mixing hospital and extras cover ensures that you’re covered for both major medical events and everyday healthcare needs.

  • How does the Medicare Levy Surcharge affect us as a couple?

    The Medicare Levy Surcharge (MLS) applies to couples with a combined taxable income over $194K per year who do not have private hospital cover. By taking out couples health insurance, you avoid the additional tax surcharge.

  • What hospital and extras covers does Phoenix Health offer?

    We offer six hospital covers and three extras covers across Basic, Bronze, Bronze Plus, and Silver Plus.  The difference lies in the clinical categories included at each level. Learn more about product tiers. Remember, you can always mix and match covers to suit your needs and budget.

  • What happens if we’re transferring from another health fund?

    Switching to Phoenix Health is easy! We recognise waiting periods already served and benefits previously paid, so you won’t have to start over. Simply contact our team, and we’ll handle the transition for you.

     

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Flexible Health Insurance for You

Choosing the right health insurance for couples doesn’t have to be complicated. At Phoenix Health, we make it easy to customise your hospital and extras cover to suit both of your needs, ensuring you get the right balance between price and benefits.

Whether you’re starting out together, planning for the future, or simply looking for better coverage, our range of affordable, flexible options ensures you’ll find a policy that works for you.

Let us help you find the right cover so you and your partner can enjoy life with confidence, knowing you’re backed by a trusted not-for-profit health insurer that puts members first.

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