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Find out how to remove a spouse from a health insurance policy and all the implications involved with Savvy.
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If you share a health insurance policy with your spouse, there may come a time when you need to remove them from your cover. This could be due to a separation or divorce, or other reasons such as health insurance being provided as part of a new job.
However, it’s important to understand the process involved and any implications that may come with removing a spouse from your health insurance policy. Find out about the process of removing a spouse from your health insurance policy in Australia here with Savvy.
To remove your spouse from your health insurance policy, you’ll usually need to contact your insurance provider, explain what you wish to do and follow their specific advice about the steps which are necessary to take. This may include providing documentation to your insurer, such as a divorce certificate.
It’s worth noting that only the primary policyholder can add or remove anyone from their policy, so if the policy isn’t in your name, you won’t be able to make this change. In that situation, your spouse or former spouse would have to remove you if they’re the primary policyholder.
It’s very important to let your insurer know as soon as possible if there’s a change in your living circumstances, such as a separation or a divorce. This is because your insurer will need to make changes to the policy details to ensure the cover is still relevant and applicable to anyone remaining on the policy (assuming it is a couples or family policy).
If you previously had a couples health insurance policy with no children involved, you have the option of getting your own singles health insurance policy. Your existing health fund should be able to assist you in transferring to a singles policy, or you can compare some of the policies which are currently available in Australia through Savvy and our panel of insurers before making up your mind about a new policy.
However, if you’ve previously had a family health insurance policy which included coverage for your children and are now in the process of separating or divorcing, it's important to consider the future health insurance coverage for your children.
How this issue is resolved will depend on the custody arrangements you make with your ex-spouse or partner and the financial agreements you reach for providing health insurance for your children. The following options may be available to you:
It's important to work out the financial arrangements for paying the premium of a single parent policy if you share custody of your children. This should be part of your overall financial agreements during divorce proceedings. By considering these options and coming to an agreement, you can ensure that your children continue to have access to private health insurance coverage after separation.
Disclaimer:
Savvy is partnered with Compare Club Australia Pty Ltd (AFS representative number 001279036) of Alternative Media Pty Ltd (AFS License number 486326) to provide readers with a variety of health insurance policies to compare. Savvy earns a commission from Compare Club each time a customer buys a health insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via Compare Club.
Savvy’s comparison service is provided by Compare Club. Compare Club compares selected products from a panel of trusted insurers and does not compare all products in the market.
Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.
For any further information on the variety of insurers compared by Compare Club or how their business works, you can read their Financial Services Guide.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.
For more information about us and how we conduct our business, you can read our privacy policy and terms of use.
© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.
© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.
For more information about us and how we conduct our business, you can read our privacy policy and terms of use.