Joint health insurance

What is joint health insurance?

Joint health insurance lets you cover two people under a single policy. It can provide you and your partner with private medical care, giving you access to treatment more quickly and helping to avoid lengthy NHS queues.

For example, imagine if you need a hip replacement, a common procedure where a damaged hip joint is swapped with an artificial one. You could wait some time to get this type of surgery done on the NHS. But with private health insurance, you’d be able to contact your private health insurer to see if the operation can be done sooner.

Private health insurance could allow you to get the procedure done in a private hospital, with a private room and access to some of the best consultants in the country.

Joint health insurance is sometimes called couples’ health insurance. If you want to add children to the cover you take out for you and your partner, you could make it a family health insurance policy.

What does joint health insurance cover?

Exactly what you’re covered for depends on your joint health insurance policy. Cover is typically split into three levels - basic, medium and comprehensive.

• Basic level policies will cover the cost of any inpatient treatment you or your partner receive at private hospitals. This includes things like operations but does not include diagnostic procedures   to uncover any illnesses you may have.


• Medium level policies cover the above as well as a limited amount of diagnostics. You may get £1000 of diagnostic cover, for instance. Anything above that level will not be covered.


• Comprehensive policies will cover both inpatient and diagnostic treatment in full, with no financial limit set on either aspect of your private healthcare. You may also be covered for   complementary treatment like physiotherapy, chiropractic care and mental health support.

What are the benefits of joint health insurance?

Here are some of the key benefits of taking out joint health insurance:

• Having just one health insurance policy rather than two means there’ll be just one set of premiums to pay and one point of contact for your insurer, making things simpler.
• A joint policy can work out cheaper than buying two separate policies.
• Getting private health insurance for you and your partner means you could significantly cut down on waiting time if either of you needs an operation
• You get access to private hospitals for your health care, which means you can get your own private room as well as benefit from the expertise of world-class consultants.

Is there anything joint medical insurance won't cover?

It’s always worth checking the cover in your health insurance policy against what you need and compare with other products. As with insurance in general, when you take out joint health insurance there tend to be a few common exclusions to keep in mind.

Most policies won’t cover pre-existing conditions - health issues you had before taking out the cover - or things like complications/diseases you may have developed due to drug abuse. For a full rundown of the most common health insurance exclusions, see our health insurance page.

What other types of health insurance are there?

If you’re looking to cover a single person, taking out a single health insurance policy is your best option. But if you’re looking to cover the whole family, family health insurance can be handy too. It works in much the same way as a joint policy, only you’ll have cover available for both your partner and your children.

Why compare joint health insurance quotes with us?

Here’s why you should compare joint health insurance quotes with Confused.com:

• We compare quotes from trusted health insurance providers, including Bupa, Axa, and more, to find you our best deal
• We look at what you want to be covered, the added extras you want and more to find a policy that suits your needs and budget
• If you have any questions, you can also get support from Assured Futures, health insurance broker of the year.

Get a quote today and let us do the hard work.