Couples health insurance
* Based on an Australian Government Rebate of %, % LHC loading, $ excess for a in .
Change your cover or compareCouples Hospital cover
If you need to go to hospital, having Hospital cover can help you avoid public wait lists and be treated where you want to, by a specialist you know and trust.
We do our best to help our members with Hospital cover avoid, or minimise, out-of-pocket expenses for doctors’ costs and hospital bills. We believe in sharing as much useful information as possible to help answer questions ahead of a hospital visit.
Couples Extras cover
Extras cover can help with everyday health expenses like dental, optical, physio and chiro. We also pay a Natural Therapies benefit for things like a remedial massage or acupuncture session.
Our Extras cover includes a Healthy Lifestyle benefit that you can use towards the cost of a service to help improve a health condition. This could be a gym membership, personal training sessions, or an online weight management program^.
Why Nurses & Midwives Health?
We’re for the carers
As the health insurance for nurses, midwives and their families, you’re at the heart of everything we do.
We’re for members, not profit
Being not-for-profit, we’re about giving more back to members (not payouts to shareholders).
We’re for care when you need it
As a private patient you can choose your doctor and avoid long public hospital waits (phew!).
We’re here for good
We’re part of Teachers Health, Australia’s largest industry health fund with over 65 years’ experience.
Find an Extras provider
Search for dental, optical and other Extras providers, by specialty, name or location.
Health Centres
Access quality dental and eyecare services in New South Wales, Victoria and South Australia.
Get more value
Find out more about affordable treatment options via your private health cover.
Couples health cover FAQs
Can I add my partner to my existing policy?
If you’re currently on single or single parent cover, you’ll need to move onto a couple or family membership (whichever is relevant to you).
Is couples’ health insurance cheaper?
Couples cover is designed for two people in a relationship. So, while it can cost more than singles cover, it covers more people!
In general, we keep premiums as low as we can. Our average annual premium increase for 2025 was 2.94% – below the industry average of 3.73%.
Do we have to be married for couples’ insurance?
No, couples cover is designed for married and de facto relationships.
Income, child and dependant have special definitions for Medicare Levy Surcharge purposes. For more information, see the ATO website
Does couple insurance cover pregnancy?
We’ve got a range of Hospital and Extras cover to suit everyone’s needs and budgets. If you’re looking for pregnancy cover, read our pregnancy and birth info to see which level of cover would suit you.
You may want Hospital cover so you can choose your obstetrician and have a private room, and Extras cover for things like childbirth education, massage and chiro. You’ll also want to make sure your kids’ needs are covered as they grow up.
Can divorced couples share health insurance in Australia?
Yes, although we have a few options (single, single parent, single parent extended, family, family extended) – contact us to discuss.
Can I change my cover if my life circumstances change?
Certainly. You can move onto singles cover or family cover.
Find out how to change your cover online if you're already a member with us.
Have a question? Find the answer in our FAQs
Skip the waits
Join with Hospital & Extras or Extras-only cover by 31 January and claim on things like general dental, optical, chiro and physio right away!
*Eligibility criteria and conditions apply. Offer is available until 31 January 2026 to i) new members who join Nurses & Midwives Health with Hospital & Extras cover, or with a combined cover, or with Extras cover only, and ii) current members of Nurses & Midwives Health who upgrade their Extras Cover to a higher level of cover, or add Extras to their existing Hospital cover or Ambulance cover, and iii) a spouse or dependant who is added to an existing Nurses & Midwives Health policy. Two- and six-month waiting periods are waived on Extra services only, after the first contribution payment has been received. Click here for additional terms and conditions.