Joint health insurance quotes

One of the main benefits of joint health insurance is that you only have the one policy. Having one bill to cover both of you and one point of contact for your insurance provider simplifies the process.

You might also find that one joint policy could work out cheaper than buying two separate policies.

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 not cover:

• pre-existing conditions
• chronic conditions, such as diabetes or arthritis
• outpatient treatment
• diagnostic tests.

However, if you do have a pre-existing condition, it’s worth noting that some policies will insure you as long as you’ve had no symptoms for five years.

You might also be able to add extras to your policy, such as:

• eye care
• dental care
• physiotherapy.

The most important thing is to find a policy that suits your needs, at a price you’re happy with.

You don’t necessarily need to have a medical exam to take out joint health insurance. However, you will be asked questions about:

• your lifestyle habits
• whether you smoke and drink alcohol
• any pre-existing medical conditions you and your partner may have
• your current state of health and medical history.

It’s important to be honest when answering questions. Non-disclosure could mean that your policy could be invalidated.

As you’re both covered under a joint policy, the cost will most likely go up if one of you has a pre-existing medical condition. This is also the case if one of you smokes or is older.

It’s still possible to get a policy that covers pre-existing medical conditions. However, you may find that the pay-out will be restricted.

If you or your partner has a pre-existing condition, compare joint health insurance and separate policies to see which option is cost-effective for you both.

Yes. But be aware that pregnancy and childbirth-related conditions aren’t covered by private health insurance. A few birth complications could be covered, however you should confirm this with your insurance provider.

We can’t give you a full answer to this question because it depends what you’d like the policy to cover. Most 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, through to mid-range and comprehensive cover.

1. Take steps to be healthy. If you exercise regularly and eat a healthy diet, you might be able to get a cheaper policy. Some providers offer discounts if you can show that you take steps to be healthy.
2. Opt for a higher excess. You could reduce the cost of your cover by choosing a higher voluntary excess, thereby lowering your monthly payments. But you’ll need to make sure you can afford to pay the excess should you make a claim.
3. Exclude certain hospitals. If you restrict the type of hospital where you can get treatment, you could get a discount. For example, you could choose to exclude the more expensive London hospitals.
4. Choose a cash plan. Another, often cheaper, type of medical insurance is a health cash plan. This could pay you a cash sum when you visit a medical professional, like your optician or dentist. Just check the terms and conditions before you buy to confirm when you’ll receive the payment.

While you might have come across this term during your research, it doesn’t actually exist. However, there is a type of policy called joint life insurance first to die: this a joint policy that pays out when the first member of a couple passes away. The idea is to support the person 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, then provide you with a list of joint health insurance quotes. We’ll give you plenty of details about what they offer and the features they include. All you have to do is choose one that’s right for you and your partner.