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What is couples health insurance?

Couples health insurance, or joint health insurance, is when two individuals who live together are covered under the same terms on a single health insurance policy. This is an alternative to two individuals accessing private healthcare under two separate policies. Couples health insurance may offer a more comprehensive and cost-effective route to accessing private healthcare services in the UK.

What are the benefits of couples health insurance?

Aside from the usual benefits that may be experienced from accessing private healthcare, such as quicker access to diagnosis and treatment, there are some benefits unique to joint health insurance that may make it the right option for you:

Less admin and paperwork when taking out a single policy

Easier  to manage payment of your monthly or annual bills

Both individuals will understand what care the other has access to

You’ll have access to the exact same hospital locations

The policy premium may be cheaper compared to two individual policies

You can share and access the same member benefits

It may be easy to convert your policy to a family plan in the future if you have children

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Are there any limitations?

Although joint health insurance may be the best option for two individuals living together, there are also instances where being covered under a single policy may result in less desirable terms in comparison to having two individual policies:

  • Both individuals must agree on the same terms, provider and benefits on their policy, which may not always result in the best policy for both parties.
  • Joint health insurance is only available to individuals living together, and in cases, family health insurance may be a more accessible option.

Family health insurance V couples health insurance

Couples health insurance is only available to two individuals living together. If you and a partner live apart, or you’re expecting or already have children, then a family health insurance policy may be more suited to your needs.

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Talk to us for a no obligation chat about the health insurance policies best suited to you:
01202 800 400

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What could joint health insurance cover you for?

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In/Day patient

In/day patient cover refers to treatment that requires a hospital bed during the day or overnight. Many health insurance policies will include inpatient treatment within their standard policies, and it covers aspects of care such as acute treatment, accommodation, drugs and dressings.
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Outpatient

Outpatient cover is often an additional inclusion in your health insurance policy that will increase your payments. You may have several levels of cover to choose from depending on your provider, it covers diagnostic tests such as MRI scans and X-Rays.
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Cancer Cover

Cancer cover is commonly included in health insurance policies, and you may have the option to reduce or increase the level of cover that’s included as part of your terms, such as accessing experimental treatments as part of your treatment.
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Additional options

Conditions and treatments that fall outside of the description of core benefit, such as physiotherapy, dental and optical, can often be included for an additional premium, but they’re usually not included as standard.
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Hospital access

Many UK health insurance providers will have hospital lists, which refer to groupings of hospitals that policyholders will have access to. For example, access to some London based hospitals may require an additional premium over list which offer access only to less expensive hospitals. Your hospital list will determine where you can be treated as part of your policy terms.

Want to learn more?

We’ll talk you through the various options you have with each provider and help you understand the choices available to you.
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Helping you find your couples health insurance policy

Use our no obligation services for a hand finding the best couples health insurance policy for your circumstance.

The whole experience was supportive, clear and extremely helpful. It made choosing a Health Plan simple and in fact enjoyable. Everything was explained and the recommendation we were given fitted the bill. Excellent professional service.
- Trusted customer, Feefo
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Is couples health insurance a cost-effective option?

The price you pay for joint health insurance depends on several factors that are considered during all health insurance applications, but there are unique offerings that affect couples policies. For example, Bupa offers a 5% discount for couples taking out a joint policy, but other providers may not offer any savings in comparison to taking out two individual policies. You should expect this to vary per provider, and the cheapest option may not always be the most suitable in terms of cover.

How much can I expect to pay?

The following will have an impact on your policy premium, and the price you’re quoted will depend on both your own and the other party’s situation:

Age of policyholders

Address location

Medical history of both individuals

Access to additional cover options

Hospital lists

Chosen provider

Claims history

Why choose Equity for your couples health insurance?

We’re an independent health insurance broker, which means that we work with the leading UK health insurance providers and provide unbiased advice on the best solution for your situation. We’re able to answer your questions on a variety of providers, with the aim to find the most comprehensive policy for you at the most competitive price.

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