How couples’ cover works
A joint policy can cover two adults under one arrangement. Eligibility, including relationship or residence rules, varies by insurer. It can simplify administration, but it is not always cheaper or more suitable than separate policies.
When different needs matter
You may want different benefits or already hold cover with valuable underwriting terms. Compare both individuals’ requirements and the implications of changing existing insurance.
Planning for a growing family
Ask how children can be added, whether newborn deadlines apply and how adding people changes the premium. Do not assume future changes are automatic.
Compare the right details
Review each adult’s exclusions, excess, hospital options and outpatient cover. Consider the total annual cost and what each person might need to pay themselves.
Explore couples’ cover