When do you move from singles to couples cover?
4 questions to ask before moving to couple's cover.
Setting a date night to chat about the serious topics may not sound like the most romantic way to spend your evening, but sometimes we need to momentarily remove the rose-hued glasses and step back to reality.
Now, we don’t recommend having these conversations on your first date (but, hey, you do you), however if you are in a serious relationship, or you’re looking to take the next step, here are four discussions you should have with your partner to make sure you’re on the same page.
Let’s start by figuring out your finances. Did you know that 70% of couples report that money causes tension in their relationship? That’s why it’s so important to understand both your and your partner’s motivations when it comes to ‘bringing home the bacon’.
Talk about your feelings towards debt and saving, as well as how you can support each other’s financial goals.
Once you’ve established your financial goals, start thinking about how you’d reach those goals if one of you were unable to work because of an illness, unemployment or injury – maybe it’s time to consider taking out a income insurance policy to protect the life you are building together. nib offers a number of policy options to suit your individual situation and you can get a quote online.
Commitment can mean different things to different people. So, whether your definition of ‘commitment’ is changing your Facebook relationship status, or whether it’s a marriage certificate, it’s essential to make this clear with your partner.
While you’re having the ‘commitment-chat’, why not just throw the kids topic into the mix and see what happens?
So, you’re in a serious relationship and you’d protect your partner no matter what, right?
Well, it’s time to have the discussion about guarding each other’s health and future. Private health insurance allows you to have the peace-of-mind knowing that if the unexpected were to happen with your health, you may be protected. At nib, we believe that keeping your private health insurance simple is how it should be, so you can get a quote online in only a few minutes!
Maybe you’ve both already taken out a policy, but it could be beneficial to have the two become one. Our article When do you move from singles to couples cover? might help you decide if it’s time to combine your policies.
Organ donation is a serious subject and something everyone in a serious relationship should discuss. In Australia, the family of every potential donor is asked to confirm their donation decision, so it’s essential that you chat about your wishes, regardless of how uncomfortable the conversation might be. For more information on organ donation in Australia, visit donatelife.gov.au
Keen to hear how real people use their nib private health insurance? Check out Aussie couple Sonya and Scott's experience.