Joint health insurance is not a qualifying product; however, compare prices now and find the right cover for you.
You never want to think about you or your partner developing a health condition – but there are steps you can take to get some much-needed peace of mind. Strengthen your chances of fast, excellent medical care by choosing a joint health insurance policy.
Joint health insurance is designed to ease the worry of health problems affecting your and your partner’s lives. The idea behind health insurance is to give you an alternative to the NHS when you need some kind of medical attention.
Say you develop a serious back problem and go to your GP. They might refer you to hospital, but you can’t be seen for at least a couple of weeks. If you’ve got health insurance you can call your provider to see if you can get a private appointment more quickly and avoid the waiting lists. They may also have access to more specialised medical experts or treatments.
With a joint health insurance policy, the policy covers both you and your spouse or partner. You could also opt for family health insurance and add your children to the policy.
Much as with other types of insurance, you pay a monthly insurance premium. Then if you or your partner needs private medical treatment for something covered by your policy, you can contact the insurance provider to make a claim. The claim covers the cost of your treatment. As with car and home insurance, you pay an agreed excess when you make a claim – which is your contribution to the cost of treatment.
A joint health insurance policy doesn’t cover you and your partner for every medical condition and procedure. You should always check the policy terms and conditions for exclusions. For example, health insurance policies might exclude:
But even if you have a pre-existing condition, some policies allow for anyone to be insured, as long as there have been no symptoms for five years. You might also be able to add extras to your policy, such as:
The most important thing is to find a policy that suits your needs, at a price you can afford.
It can sometimes be cheaper to get joint health insurance, though this isn’t guaranteed – as always, it’s smart to compare joint health insurance quotes and see what the options will cost you. One benefit of joint health insurance is that there will probably be less administration than there would be with two separate policies. On the other hand, it may be harder to tailor a joint health insurance policy if the two of you feel you have different needs. If you’d like advice on the right type of policy for you, you can speak to an expert from our colleagues at Assured Futures. Call the helpline on 0808 141 1334. Or you can [compare health insurance quotes now] to see your options.
Yes. But you should know pregnancy and child birth related conditions are not covered by any private health insurance. A few birth complications are covered which should be checked with your insurance provider.
We can’t give you a full answer to this question because, as usual, it depends what you want. A lot of policies will cover essential treatments, but you might prefer a full range of specialist therapies and complementary medicines to be available. When you compare joint health insurance quotes you can look at the different options from basic cover to mid-range cover and comprehensive cover.
Trick question – it doesn’t exist. You might have come across this term during your research, but it’s actually a common confusion. However, there is a type of policy called joint life insurance first to die. With life insurance you can buy a joint policy which pays out when the first member of the couple passes away. The idea is to support the one left behind with any debts, funeral costs or mortgage payments. But it's not a health insurance plan.
It’s easy – just get a quote with us. We’ll ask you a few questions, and then provide you with a list of joint health insurance quotes. We’ll give you plenty of details about what they offer and features they include – all you have to do is choose one that’s right for you and your partner.
Compare joint health insurance quotes now.
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