5 Reasons Why Newly-Wed Couples Should Consider Family Health Insurance

Health Insurance

Last Updated on March 12, 2024 by admin

Private health insurance is something that people should get to ensure that they are covered in all instances. When you are a newlywed, you have more than yourself to consider, so it may be time to combine your insurance policies into one family plan. This insurance plan will cover you and your children if and when you decide to have some.

But the question always comes up about why it is needed. There are many reasons, especially if you have not had private coverage before. Let’s dig into this topic and discuss 5 reasons why newly-wed couples should consider family health insurance.

Choice Of Treatment Locations

It may have been just fine to take advantage of the Medicare coverage that all Australians have, but that may not be the case once you are married. A private health plan will allow you to choose where to get medical help. Without this insurance, you and your spouse will be limited to public institutions.

This may be OK for some things, but when you need specialized care, you may not feel comfortable going through any doctors other than the ones you already have in place. With a good family health plan, you and your spouse can go to any private or public medical facility you want, giving you some options when traveling for your honeymoon.

Expanded Coverage For Specialized Care

Medicare coverage has its limitations and exclusions. When you need to see a dentist or optician, you will have to dig into your pockets and pay for it on your own. A private health care plan can have coverage for those specialized doctors and any others you may need to see. You will just have to check with your new coverage plan that you get through a comparison platform like iSelect.

Once again, though, these types of medical visits will not be limited to just you. Your entire family will benefit from these visits, including your kids. This means your whole family can get some new glasses and maybe a teeth cleaning and checkup without paying anything out of your pocket except for the co-payment you may be required to make.

Government Offered Rebates

When you pay for a family health plan throughout the year, the government will not only remove the fee you may have for not carrying your own health insurance (if you are over the income barriers) but will give you a rebate along with your yearly taxes. This means that you can stop stressing about the taxes you will have to pay as a married couple and be grateful that you will be getting a discount just because you have obtained your own coverage.

Save Some Money On Premiums

Much like every other type of insurance plan, you may have, combining more than one policy into one umbrella policy or one single policy will save you some money on your premiums. If that doesn’t make sense, think about it this way; if you each have a single plan, you pay a set amount every year, but if you combine the two, you will only have one yearly premium.

Yes, it will be a higher premium amount than what you used to have, but if you do the math, you will quickly see that it will cost you less to have one plan than separate plans for each of you. Plus, as newlyweds, you should combine everything into one pot anyway, including your health care insurance.

Big Families Pay Less

When you have a family of more than 5, you will find that a family health plan will save you some substantial money. You already know that the more people you put on one plan, the higher the premiums will be, but once you get over 3 children, the rest are not factored into the premium requirements. If you had separate coverage for them all, you would be paying much more than you will with a family plan.


  • Protection against unexpected medical expenses: Getting married is a significant life event, and with it comes new responsibilities. One of the most important responsibilities is ensuring that you and your spouse are protected against unexpected medical expenses. Family health insurance covers a range of medical expenses, including hospitalization, surgeries, and diagnostic tests, which can be expensive without insurance.
  • Cost-effective: Purchasing individual health insurance plans for both partners can be more expensive than getting a family health insurance plan. Family health insurance plans offer a cost-effective solution for newly-wed couples who want to save money and still get comprehensive coverage.
  • Peace of mind: A family health insurance plan can provide peace of mind for newly-wed couples. They don’t have to worry about unexpected medical expenses and can focus on building their life together without worrying about financial stress in case of medical emergencies.
  • Pre-existing conditions coverage: Most family health insurance plans offer coverage for pre-existing conditions, which individual health insurance plans might not. Newly-wed couples can rest assured that their pre-existing conditions will be covered under a family health insurance plan.
  • Better access to healthcare: Family health insurance plans offer a wider range of benefits, including access to a larger network of healthcare providers. Newly-wed couples can benefit from this wider network and get better access to healthcare services when they need it the most.

Final Thoughts

As a newlywed couple, the first thing you will think of is not insurance, but it should be something you sit down and discuss after the wedding and honeymoon are over. If you are a young couple and are on your parent’s private insurance plan, it may be better to stay on it until you and your new partner reach the age of 26, or get to a point where you can easily afford the extra payment amount. Either way, once you are officially married, it is time to step up, combine your health insurance policies, and move on with your life.

Apart from that, if you want to know about Tips to choose the best health insurance plan in India then please visit our Health page.

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Sophia Anderson
Sophia Anderson is a finance writer and blogger with a passion for helping people improve their financial literacy. With over 5 years of experience in the finance industry, Sophia has worked with individuals, families, and small businesses to provide financial advice and guidance. Her expertise includes budgeting, saving, credit management, and debt reduction. Sophia is dedicated to breaking down complex financial concepts into easy-to-understand language and empowering her readers to make smart financial decisions. She is a frequent contributor to financial publications and has written extensively on topics such as personal finance, investing, and financial planning. Sophia's mission is to help people take control of their finances and achieve financial security and freedom. When she's not writing, Sophia enjoys hiking, practicing yoga, and reading personal finance books.