How to save on your health insurance

1. Split your cover from your partner

There’s a really easy way that couples could save on their health insurance, and that’s by splitting their cover. Couples cover is the same price as two single covers. So you could be better off choosing exactly what you want. Unless you’re the perfect match in health as well as love.

So if one person wants a higher level of cover than the other person, then getting two single policies at different levels will usually save you money on the total cost of your premiums. Let’s take a closer look.

If you see a physio every month or need more complex dental work, then a higher extras level could be the best choice for you. But if your partner only needs a dental check-up once a year and a few physio visits, then a lower and more affordable option might work.

One example is if you want pregnancy and birth cover, then the person who will be getting pregnant only needs top hospital cover. Your partner can choose a lower level and cheaper hospital cover that’s’ right for them. The end goal? Making sure you’re both satisfied with your level of cover and you’re only paying for what you need.

Get in touch with the team at Health Partners today to find out if you could split your cover and save.

2. Upgrade your cover at the right time

Know you’ll need more cover in the future, but not sure when you should upgrade your health insurance? Here’s what you need to know. Upgrading at the right time can save you money, here's what you need to know.

It’s important to understand when you’ll need extra cover, and how to plan for it. Things like orthodontics, pregnancy and joint-replacements are usually things you need at different stages in your life, and you can get the best value from your health insurance by knowing when it’s time to upgrade and that all depends on when you’ll need the procedure, the waiting periods and how the benefits are paid.

Health Partners can help you work out the best time to upgrade so that you're making the most of your benefits, and reducing your overall costs. No one likes to wait, but sometimes it’s unavoidable. If you do have a life change coming up that you’re aware of, and you know it’s going to affect your health cover, it’s important to understand waiting periods to make sure that you’re not left in a pickle.

Know you’ll need more cover, but not sure when you should change your health insurance? Speak to the team at Health Partners to find health insurance that supports you now, and in the future.

3. Check if you’re eligible for bigger extras benefits

Let’s talk about how you can get bigger extras benefits at no extra cost. As a not-for-profit health fund Health Partners love to give members as much value as possible.

So if you join hospital cover with Good, Better or Best Extras, you’ll get a $100 increase to your major dental limit, and a $100 increase to your core therapies limit which includes physio and chiro, at no extra cost.

There’s also higher benefits for the surgical removal of wisdom teeth in hospital on Combined Better or Combined Best Extras Cover. Higher limits is one way that Health Partners members are rewarded for choosing to protect their health with hospital and extras cover.

Get in touch with the team at Health Partners to level up your extras.