Joint health insurance is an insurance policy that covers two people’s private medical bills.
You and your partner pay a monthly premium and should you need private medical treatment for a condition that’s covered by your policy, you can contact your insurance provider and make a claim.
Joint health insurance policies covers you and your partner for acute health conditions, such as a hip replacement and cancer treatment. It can also include quicker diagnosis of conditions and access to different treatments that aren’t currently available on the NHS.
Joint health insurance provides the same levels of cover as individual health insurance:
Some insurance providers also allow you to add the following extras onto your policy;
Like all health insurance policies, joint health insurance has some exclusions, including pre-existing medical conditions, chronic conditions, outpatient treatment and diagnostics tests. However, if you do have a pre-existing condition but haven’t experienced any symptoms in five years, your policy might cover you for the condition.
The cost of joint health insurance depends on a variety of factors including your age, where you live, your lifestyle and what level of cover you take out. The younger you are, the cheaper it is. However, it tends to be more costly if you live in the North West of England, South East of England or London.
Health insurance tends to be cheaper the younger you are but it’s more costly if you live in the North West of England, South East of England or London. You’ll also find that it’s more expensive if you smoke and drink a lot of alcohol. Even if you’ve quit smoking but use a vaporiser, the premium can still be higher than someone that doesn’t smoke at all because most insurance providers base it on nicotine consumption rather than the number of cigarettes smoked.
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