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Joint health insurance quotes


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Joint health insurance is not a qualifying product; however, compare prices now and find the right cover for you.

Frequently asked questions

  • What is joint health insurance?
  • How does joint health insurance work?
  • What conditions will joint health insurance cover?
  • Is it cheaper to get joint health insurance with a partner?
  • Can I start a policy while my partner is pregnant?
  • How much does joint health insurance cost?
  • How can I reduce the cost of joint health insurance?
  • What is joint health insurance first to die?
  • So how do I choose joint health insurance cover?

What is joint health insurance?

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. 

How does joint health insurance work?

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. 

What conditions will joint health insurance cover?

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:

  • pre-existing conditions
  • chronic conditions like diabetes or arthritis
  • outpatient treatment
  • diagnostic tests

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:

  • eye care
  • dental care
  • physiotherapy

The most important thing is to find a policy that suits your needs, at a price you can afford.

Is it cheaper to get joint health insurance with a partner?

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.

Can I start a policy while my partner is pregnant?

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.

How much does joint health insurance cost?

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.

How can I reduce the cost of joint health insurance?

  • Take steps to be healthy. If you go to the gym and eat your five a day, you might be able to get a cheaper policy. Some providers offer discounts if you can show that you take steps to be healthy.
  • Opt for a higher excess. If even the cheapest joint health insurance quote is too much, you could reduce the cost of your cover by choosing a higher excess. As with home and car insurance, you can choose a voluntary excess. The higher this is, the lower your monthly payments might be. Just make sure you can afford to pay the excess should you make a claim.
  • Exclude certain hospitals. If you restrict the type of hospital where you could get treatment you could get a discount, for example by excluding the more expensive London hospitals.
  • Choose a cash plan. Another, often cheaper, type of medical insurance is the health cash plan, which gives you some money towards your routine healthcare costs. The plans pay you a cash sum when you visit a medical professional, like your optician or dentist. Just check the T&Cs to confirm when you will receive the payment.

What is joint health insurance first to die?

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. 

So how do I choose joint health insurance cover?

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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