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Joint health insurance
Nobody likes to imagine the prospect of their partner - or, indeed, themselves - falling ill or getting hurt in an accident and having to spend time in hospital. But unfortunately, these things can happen to anyone, even if we live active and healthy lifestyles.
Taking out the right joint health insurance, which is also known as private medical insurance, can give you the peace of mind that, should an illness or injury happen to either of you, you can access private healthcare quickly, without having to worry about lengthy waiting lists for tests and investigations, diagnosis and treatment.
Private health insurance can also offer the convenience of a wider choice of hospitals or experts to visit, as well as the ability to book appointments to best suit your schedule. You’ll also benefit from the comfort of recovering in private, ensuite rooms and could get access to specialist treatments and medicines that may not be available on the NHS.
Health insurance for couples
While individual health insurance is popular, there are advantages to taking out a joint health insurance policy if you are married or living with your partner. Often, the cost is comparable to single policies because you are assessed independently, depending on the level of cover you choose, your age, lifestyle, health history and whether or not you are a smoker. The cost of both individual premiums (payments) will then be calculated and added together to result in the joint premium sum.
The main advantage of taking out a joint health insurance policy is that there is less administration to keep track of. You need to fill in only one set of policy paperwork - albeit in duplicate - and pay just one monthly, quarterly or yearly bill. There’s also the convenience of having one point of contact for both your needs should you need to make a claim.
It’s also easy to add children to the policy, should you start a family, by setting up a family health insurance policy. If you’re unsure which policy is best for your needs, comparing health insurance quotes will help you see whether a single or joint policy is suitable.
Does joint health insurance cover pre-existing conditions?
Health insurance is designed to cover you for conditions that develop after you have taken out the policy, not conditions for which you already receive medication or treatment before the policy starts.
There are certain circumstances, however, in which insurance can be reinstated should you be treatment and symptom-free for two years after the start of your policy. Read our guide on health insurance for pre-existing conditions for more information.
When you take out a joint health insurance policy, your circumstances will be treated independently, so if your partner already has a condition for which he or she can’t be covered, but you have no such health condition, then you can still be covered for it.
What other joint insurance do I need?
If you or your partner do fall ill and become unable to work – or even pass away – your dependants can be left in a difficult situation financially. A joint life insurance policy can help to ease the financial burden should one of you die.
You can also add joint critical illness cover to your policy, which will pay out should you or your partner suffer a serious illness or injury, or take out joint accident and sickness insurance, which can replace up to 70% of lost income if you’re unable to work for a spell.
Did you know that health insurance can include retail rewards and wellbeing support? Find out about some of the more surprising benefits of health insurance in our article.