Family Health Insurance and Separation - Health Partners

danjerman on 19/01/2025 - 08:14
Last edited 19/01/2025 - 10:10 by 1 other user

Hi,

My long term de-facto partner and I are separating. We have Health Partners Hospital and Extras cover and pay around $480 per month. That covers, me and her (50s), Son (19) and two daughters 17 and 14 at present.

We're reluctant to call Health Partners to check on the options in case they force us to split the policy immediately. We'll be going our separate ways in February.

Does anyone have any experience of splitting a policy? I earn more and initial thinking will likely keep the kids on my policy so my ex-partner will need to get her own policy and we'll remove her from mine.

The options as I see it:

  • Do nothing - Keep the same policy and pretend we still live together for the time being. Not sure if this invalidates the policy.
  • Split the policy with HP and ex-partner gets her own policy. I hopefully get a reduction. Probably would end up paying more on agreggate.
  • All look to get new policies with new providers as a transfer. Better price?

This whole health insurance industry appears to be a scam and full of confusion marketing so I'm not sure how to make an informed decision on the best value plan. Any advice on this aspect or experience or tips on the situation and way forward would be most appreciated.

Thanks in advance.

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Comments

  • MrThing on 19/01/2025 - 08:31
    +1

    -Do nothing - Keep the same policy and pretend we still live together for the time being. Not sure if this invalidates the policy.>
    if caught that would be fraud, however unlikely, only way I figure they would find out is if you tell someone or the other half gets spiteful, ymmv

    -Split the policy with HP and ex-partner gets her own policy. I hopefully get a reduction. Probably would end up paying more on aggregate.
    wouldn't that just end up being 2 single parent policies, or 1 single parent policy and 1 single person policy

    -All look to get new policies with new providers as a transfer. Better price?
    this would be my pick, get on the front foot get new policies and means you can transfer your wait times

    I've never ever scored deals from private health insurance companies when i switch companies or policies. what they offer publicly is what is on offer, unless of course your employer has a corporate plan or a "slightly" discounted plan

    • YesPleaseThankYou on 19/01/2025 - 09:51

      Not sure if this invalidates the policy.> if caught that would be fraud

      I'd be having a discussion with Health Partners (open dialogue) then splitting the policy.

      You may not be in the right headspace to engage in churning but that's what I'd be doing. (See some of my past comments.)

      This whole health insurance industry appears to be a scam and full of confusion marketing so I'm not sure how to make an informed decision on the best value plan.

      They are all around the same - health insurance is highly regulated in Australia. Just keep churning between offers—it's the only way you can make good savings.

  • BoltThrower on 19/01/2025 - 13:05

    You've given 3 exact data-points and 2 approximate for them to track you down. They may make the decision for you if they see this post.

  • nahi11 on 19/01/2025 - 14:00

    If you're looking for convenience, staying together would be best.

  • sam-1966 on 19/01/2025 - 17:28
    +3

    My sister was in this situation (except that yours sounds rather amicable).

    She kept a policy with her son on it (only child under 18) and her ex had to take out his own policy.

    The thing with health cover - single policy is one price and family is double that. So a couple pays the same as a family with 1 or many children.

    So your policy will be about the same as you are paying now and your ex will be getting a single policy.

    From what I found with our own kids, your 19 year old may be covered up until the age of 25 if they are living at home and (maybe) a student. You'll need to check with each fund.

  • knobbs on 20/01/2025 - 10:28

    If you are both earning over the threshold ($90k or something can't quite remember), won't you both need single parent policies if not on a family plan together? Or does just one parent need to have the kids included to avoid the extra tax?

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