Couple's Health Insurance - Joint Medical Protection

Private health insurance for couples, often called joint private medical insurance gives you and your partner access to the UK’s private healthcare providers in the event either of you should need it.
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Aviva Logo Vitality LogoAXA PPP Healthcare LogoBupa LogoThe Exeter Logo
WPA LogoFreedom LogoCS Healthcare LogoGeneral Medical Logo
Aviva LogoVitality LogoBupa Logo
The Exeter LogoAXA PPP Healthcare Logo
WPA LogoGeneral Medical Logo
CS Healthcare LogoFreedom Logo
Aviva LogoVitality LogoAXA PPP Healthcare LogoBupa LogoThe Exeter LogoWPA Logo
CS Healthcare LogoFreedom LogoGeneral Medical LogoHealth Online Logo

Is it cheaper to get a joint private medical insurance policy?

A question we’re often asked is whether it is cheaper to get a joint policy versus two individual health insurance policies and in most cases, the answer is no, the cost will be likely the same. The main reason people opt for joint health insurance is to have you both on the same policy. This reduces admin and also makes it easier to switch to a family health insurance policy should children need to be added at some point in the future.

Joint policies can sometimes cost more

In certain circumstances, you may find that a joint policy ends up costing more than two individuals ones. That’s because if you and the other person on the policy are quite different in terms of medical history, and age, it may be cheaper to have you with different insurers, rather than the same one.

Benefits of joint private medical insurance

The benefits of joint private medical insurance are pretty much identical to two individual health insurance policies, with the added advantage of less combined admin.
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    Both you and your partner can avoid potential delays on NHS waiting lists
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    You’ll both have access to the latest drugs and treatments, some of which aren’t available on the NHS
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    You can choose where you and your partner are treated and when
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    You’ll receive more choice over the consultant that treats you
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    You’ll have less admin and be able too easily switch to a family policy
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Who can get joint private medical insurance

Who can get joint private medical insurance?

In the UK, as long as you are cohabiting with another person then you can get Joint Private Medical Insurance, rather than two separate private health insurance policies. So you don’t need to be married, just officially living together.

What does couples health insurance cover?

Couple’s health insurance will cover at a minimum the cost of inpatient treatment where an overnight stay in hospital is required to treat acute conditions. Chronic conditions, such as diabetes and asthma won’t be covered on your policy.

Inpatient treatment

All joint health insurance policies will cover the cost of treatment in a private hospital where an overnight stay is required (inpatient). This could be to recover from a major operation or a treatment which is provided over the course of several days.

Day patient treatment

Most, but not all, joint health insurance policies will cover the costs of you occupying a hospital bed for just a day, with no overnight stay required. It could be that you’ve undergone minor surgery for instance and need a bed just for a few hours of observations.

Outpatient treatment

Outpatient treatment is any test, procedures or consultations which don’t require a hospital bed. When configuring your policy you can opt to have no outpatient treatment, cover up to a certain annual cash value or full outpatient insurance.

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Diagnosis and treatment routes

Depending on the amount of cover you have and how comprehensive your policy is, your route to treatment will be slightly different. To illustrate this, we’ve outlined the two most common routes to treatment.

Inpatient only treatment route

If you only have cover for inpatient treatment, you will need to be diagnosed through the NHS first. That could mean your treatment is delayed if you find yourself on a waiting list for a certain test or consultation.

It’s important to point out, that if you do find things are going too slowly on the NHS (and you have some savings), you could choose to pay yourself for the private tests and consultations.  

Step 1. See your NHS GP
Step 2. Be referred to an NHS specialist
Step 3. Get tested on the NHS
Step 4. Receive a diagnosis by the NHS
Step 5. Referral to private healthcare for treatment

Full outpatient cover treatment route

If you have full outpatient cover it will mean that everything aside from the initial GP visit will be done privately.

Step 1. See your NHS GP
Step 2. Be referred to a private specialist
Step 3. Get tested privately
Step 4. Receive a diagnosis privately
Step 5. Receive treatment privately

How much does joint health insurance cost?

Joint health insurance policies typically cost around the same per person as if you had set up two individual health insurance policies with the same provider. In some cases, it can actually be cheaper and more beneficial to set up two separate policies with different providers, rather than starting a joint policy. During your call with one of our advisors, we’ll look at yours and your partner’s circumstances and medical history and we can advise on which route will be best for you both.

Compare Joint Health Insurance with myTribe for Free

To compare the UK’s leading providers of Joint Health Insurance, please click the button below. We’ll then compare the market on your behalf and contact you to discuss the results. The price you get from us will be the best currently available on the market.
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Benefits of our service:

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    You get the best prices available from the UK’s leading providers
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    Our service is free, we don’t charge you for the quotes or advice
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    Our advisors are experts in joint health insurance and can ensure you get the right policy
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    We are impartial and independent
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    You’ll have a single point of contact from start to finish
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    We’ll help you decide if a joint policy is better than two individual ones
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Couple’s Health Insurance FAQ

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