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Joint health insurance

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  • Enjoy on-hand support from broker of the year, Assured Features

Why choose joint health insurance?

Joint health insurance lets you cover two people under a single policy. Not only does this make it easier to keep track of what you’re covered for, but it often works out cheaper too. You’d each be covered like you would if you’d taken out individual policies - A joint health insurance policy means you’ll just have less admin to keep track of, only one premium to pay and, importantly your policy covers the cost of whatever private healthcare you need.

Who can be listed on a joint health insurance policy?

Joint policies cover up to two people. You can cover either yourself and a partner, or yourself and your child, as long as you live at the same address. If you’re covering two adults, you don’t need to be married to get dual coverage.

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?

Joint health insurance allows you and your partner to access private healthcare without fronting the cost yourself. With the right policy, you’ll get affordable access to everything private healthcare has to offer, from faster diagnoses than you’d get on the NHS, to the ability to skip waiting lists for the treatment you need. You’ll also usually get the freedom to choose where and by whom you’re treated.

Plus, you could access top specialists and consultants, as well as therapies the NHS can’t fund. And all without covering the costs yourself.

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Is there anything joint medical insurance won't cover?

It’s always worth checking your policy will cover what you want it to. Like any insurance policy, there are a few exclusions to look out for when taking out joint health insurance. Most policies won’t cover pre-existing conditions, illnesses you have before taking out cover, or things like diseases developed due to drug abuse. For a full rundown of the most common health insurance exclusions, see our health insurance page.

How to find the best joint health insurance deal?

There’re a few quick ways to ensure you get the best deal with joint health insurance cover at the best price. Think about:
  • Your excess with the more you’re willing to pay as an excess, the cheaper your premiums quotes are likely to be
  • What you want covered - Looking for inpatient-only cover? Then a basic policy may be all you need. If you want the full range of cover, leave it to us and we’ll find the best policy for you, at the best price
  • Add-ons and optional extras like 24/7 GP access, mental health support and more. Consider whether you need these, as opting out of them may save you money on your premiums
  • Looking out for deals, as some providers may have offers on throughout the year

What other types of health insurance are there?

If you’re looking to cover a single person, individual health insurance 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.

Will we need a medical to get cover?

No, you usually won’t need a medical to take out joint life insurance. All you’ll need to do is answer a few questions that will help us find the best cover for you.

We’ll usually ask about:

  • Your lifestyle habits, like whether you smoke and how active you are
  • Your medical history
  • Whether you have any pre-existing conditions like severe asthma or diabetes

We’ll do the rest to find a joint health insurance policy that works for the both of you.

Why compare joint health insurance quotes with us?

We compare quotes from the most trusted health insurance providers, including Bupa, Axa and more, to find you the best deal. We look at what you want covered, the added extras you want and more to find a policy that suits both your needs and your budget. You can also get on-hand support from health insurance broker of the year, Assured Futures if you have any questions. Get a quote today and let us do the hard work for you.

What our health insurance expert says

“Whether you’re covering yourself and a partner, or you and your child, joint policies make everything easier. You’ll only have one premium to pay, and a single policy that makes it much easier to keep track of who’s covered for what.”

Jac Morris signature

Jac Morris

Health insurance expert

The Confused.com medical insurance service is provided by Assured Futures Ltd of Hadley House, Endsleigh Park, Cheltenham, GL51 4AE Assured Futures Ltd registered in England & Wales company number 3040737. Authorised and regulated by the Financial Conduct Authority (FCA). Firm reference number 176392 as detailed on the Financial Services Register. Our service is free and compares a wide range of trusted household names. Confused.com is an intermediary and receives commission from Assured Futures Ltd which is based on a percentage of the total annual premium if you decide to buy through our website. We pride ourselves on impartiality on independence - therefore we don't promote any one insurance provider over another.