Joint Health Insurance

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Private Health Insurance for Couples

Joint Private Health Insurance provides a couple with private healthcare paid for by an insurer. Those with private healthcare benefit from speedier diagnosis and treatment, the highest quality care, private rooms and round-the-clock visiting times.

Whether you’re considering a new joint Private Medical Insurance plan or looking to re-evaluate your existing arrangements, there are a number of options available and points to consider.

Why Opt for Joint Cover?

Health Insurance for couples is no different to two individual plans. It simply combines the administration and places cover for both individuals under one policy number with one monthly premium.

Moreover, with joint health cover in place should you want to start a family it is very easy to add children to the policy creating a Family Health Insurance plan.

What Does Couples Health Insurance Cover?

The scope of the cover can vary considerably depending on what options you select.

  • Inpatient treatment
    All treatment where you need a hospital bed for at least one night, such as after a major surgery.
  • Day-patient treatment
    All treatment where you need to occupy a hospital bed but just for the day, with no overnight stay, such as after a minor procedure.
  • Outpatient treatment
    All treatment, tests and procedures that require no use of a hospital bed at all, such as scans and physiotherapy.

Inpatient treatment (and usually day-patient treatment) comes as standard with all Health Insurance policies.

Outpatient treatment, however, is an optional extra that you can add to the policy for an additional premium.

Receiving Treatment Without Outpatient Cover

Opting for inpatient-only cover without any outpatient treatment may be a cheaper option but it means you’ll have to rely on the NHS for outpatient appointments, potentially slowing down your diagnosis.

Private Health Insurance No Outpatient Process

Receiving Treatment With Outpatient Cover

Adding outpatient cover to your policy means that your treatment can be taken care of privately following a referral from your NHS GP.

This includes all diagnostic tests and scans leading up to your private treatment.

Private Medical Insurance Outpatient Process

Outpatient treatment can be paid in full or it can be limited to either a monetary amount or a set number of sessions with a specialist per year. Limiting your outpatient cover is one option to keep the cost of Joint Health Insurance down.

You don’t have to add outpatient cover to your policy, but keep in mind that if you don’t you’ll need to rely on the NHS for outpatient treatment. This could delay your diagnosis and overall care.

Do I Need Joint Health Insurance?

The main reason people opt for Health Insurance is for the improved waiting times it offers compared to relying on the NHS, which does a fantastic job but has recently come under considerable strain.

As a result, waiting lists are rising for NHS care across the country.

Having Joint Health Insurance can save on the administration and hassle of having two separate policies. You’ve got one set of insurance documents and, at renewal, you’ve only got one premium to negotiate if necessary.

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How Much Does Joint Health Insurance Cost?

The cost of Joint Health Insurance is linear. That means, all things being equal, the price of a policy for two individuals should be around double the cost of a policy for a single person.

This assumes all of the policy metrics are the same, e.g. both non-smokers, of similar ages and with similar medical histories.

Factors which will affect the cost of Health Insurance include:

  • Age
    As we get older, health problems become more of a common occurrence, so insurers will increase your premiums as you get older to account for this.
  • Address
    The rates of the private hospitals in your area will affect the cost of your policy because in certain areas around the UK, it will cost insurers more to pay for your treatment. Private hospital fees in London are more expensive than they are almost anywhere else in the UK, for example.
  • Health and Medical History
    Your current state of health and medical history will give your insurer an idea of what to expect in terms of your future health. If you aren’t in top health when you take out your policy or have a history of serious health problems, your policy will likely cost more.
  • Smoker status
    It’s common knowledge that smoking has detrimental affects on your health, which means that being a regular smoker will significantly increase your Health Insurance premiums.

As well as the above factors, there are three main adjustments you can make to your policy that will impact the cost of Health Insurance:

  • Excess
    This is an amount that you agree to pay to cover some of the cost of your treatment upfront. Just like with car insurance, increasing the excess you’re willing to pay will decrease your premiums.
  • NHS 6 week wait
    This option will make it so that you will only be able to claim for inpatient treatment on your policy if the NHS waiting list for the same inpatient treatment is longer than 6 weeks. This will considerably reduce your premiums and help you protect your no claims bonus. Note that this doesn’t impact your ability to claim for outpatient care if you’ve added this to your policy, which will still take place privately as soon as possible.
  • Hospital list
    Many insurers offer you a choice of hospital lists to choose from, ranging from limited to nationwide. The most comprehensive hospital lists, covering the top private facilities around the UK, will add to your premiums while limited hospital lists that maybe cover only local private hospitals and private wings in NHS hospitals can help you reduce your premiums.

Cost of Joint Private Health Insurance

To come up with the below premium prices for two 35-year-old adults, we’ve assumed:

  • Both the individuals are in good health
  • They share a birthday
  • They’re non-smokers
  • They’re looking for a comprehensive policy
  • They’re willing to pay a £100 excess
  • They’ll be underwritten on a moratorium basis
  • They don’t want any additional extras on their policy
  • They’re based in the same postcode as our Brighton office.

Individual Health Insurance

Joint Health Insurance

£80.13 per month

£160.26 per month

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Common Joint Health Insurance Questions

  • How Much Does Joint Health Insurance Cost Per Married Couple?

    The cost of Private Health Insurance for couples follows a fairly linear pattern, i.e. the cost of Health Insurance for two people should be roughly double the cost for a single individual.

    This assumes both partners are of similar age and in similar states of health of course. Where there’s an age gap between the two partners, one partner smokes and the other doesn’t, or one partner has health conditions / is in generally poorer health, then there’ll be a difference in the cost of cover.

    A single, healthy, non-smoking 35-year-old who lives in the same postcode as our Brighton-based financial advisers can expect to pay around £80.13 per month. This assumes:

    • They’re looking for a comprehensive policy
    • They’re willing to pay a £100 excess
    • They’ll be underwritten on a moratorium basis
    • They don’t want any additional extras on their policy.

    On this basis, assuming their partner is of similar age, state of health and also a non-smoker, a comprehensive couple’s Health Insurance should cost around £160 per month.

  • Is it Cheaper for Couples to Get Health Insurance?

    Not typically, no. In the UK, Private Health Insurance works on a linear basis, meaning covering two adults under the same policy should cost roughly double the cost of covering a single adult.

    Given the cost savings are likely to only be marginal, the main reason to get a Joint Health Insurance policy is for the convenience of only having to deal with the administration of one policy with the same provider rather than having two separate policies.

    There may, however, be discounts for children you add to the policy. Some providers only ask that you pay premiums for the first child you add to the policy, with any subsequent children you have being added to the insurance for free.

  • Do I Have to be Married to Get Joint Health Insurance?

    No, in the UK there’s no requirement for you to be married to a person you share your Health Insurance policy with. Many people share a policy with their cohabiting partner.

  • How Can I Get the Cheapest Health Insurance?

    There are many ways you can look to cut the cost of Joint Health Insurance, although you should be aware that by doing so you are likely making the policy less comprehensive.

    However, for those who are looking to make their Health Insurance cheaper, there are four main options you can explore:

    • Adding an excess
      An excess refers to how much you’ll have to pay upfront for private medical treatment. It’s usually per person on the policy per policy year. So if you had a £100 excess, you’d need to pay for the first £100 of treatment you have in any given policy year. The larger your excess, the cheaper your premiums will be. This is a great way to reduce premiums without compromising on how comprehensive your cover is.
    • Adding the 6 Week NHS Wait
      If you add this option, if the treatment you need is available on the NHS with a wait of less than 6 weeks, you’d need to use the NHS for your treatment. It’s only if the treatment you need either isn’t available on the NHS or the wait is longer than 6 weeks for treatment that your Health Insurance kicks in. This saves money because many ailments will be dealt with in a timely manner by the NHS.
    • Reducing Outpatient Cover
      Outpatient cover refers to all treatment that doesn’t require the use of a hospital bed, such as tests, consultant appointments, x-rays and scans. You can limit the amount of outpatient cover you receive per policy year to reduce the cost of premiums. A mid-range policy will typically have £1,000 of cover per policy year; a comprehensive policy, on the other hand, won’t put a limit on this.
    • Review Your Hospital List
      You have multiple ‘tiers’ of hospitals available to you when you take out a Private Health Insurance policy. The best and most hospitals and facilities are those in Central London — you pay a premium to be able to access to them. A lower tier of hospitals might exclude Central London but still give you access to a range of national private facilities near you.
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Compare Top 5 UK Health Insurance Providers



Aviva is the largest insurer in the UK. Aviva’s PMI offering is their Healthier Solutions product, which you can tailor to your own budget.

  • Underwriting
    Full Medical Underwriting / Moratorium / Continued Personal Medical Exclusions
  • Excess
    £100 / £200 / £500 / £1,000 / £3,000 / £5,000 per year
  • Core Cover
    Inpatient and day-patient / cancer cover
  • Outpatient Cover
    £0 / Reduced (limited to £500 or £1,000) / Full outpatient cover
AXA PPP Healthcare

AXA PPP Healthcare

Based in Tunbridge Wells, AXA PPP Healthcare has helped people to access healthcare services since 1940.

  • Underwriting
    Full Medical Underwriting / Moratorium
  • Excess
    £100 / £250 / £500 / £1,000* / £2,500* / £5,000*
  • Core Cover
    Inpatient and day-patient / radio/chemotherapy** / Optional mental health cover
  • Outpatient Cover
    Standard or Full


Established over 60 years ago, Bupa is a UK household name. Bupa Health Insurance has two tiers of over: Comprehensive (full inpatient and outpatient care) and Treatment & Care (inpatient-only). Both options include mental health cover as standard.

  • Underwriting
    Full Medical Underwriting / Moratorium
  • Excess
  • Core Cover
    Inpatient and day-patient / radio/chemotherapy / Mental health cover
  • Outpatient Cover
    Paid in full or with optional limits of £500 / £750 / £1,000

The Exeter

Founded in 1927, Exeter Family Friendly is a mutual Friendly Society with over 60,000 members. The Exeter’s Health Insurance policy is known as The Exeter Health+.

  • Underwriting
    Full Medical Underwriting / Fixed moratorium / Rolling moratorium / Continued personal medical exclusions
  • Excess
    £0 / £100 / £250 / £500 / £1,000 / £3,000 / £5,000
  • Core Cover
    Inpatient and day-patient / cancer cover
  • Outpatient Cover
    Paid in full or with optional limits of £500 / £1,000


Vitality (formerly PruHealth) launched in October 2004 as a joint venture between Prudential and South African health insurance provider Discovery. Vitality has an innovative approach to health insurance in their Vitality plan, rewarding you with points and reduced premiums for healthy living.

  • Underwriting
    Full Medical Underwriting / Moratorium / Continued personal medical exclusions
  • Excess
    £0 / £100 / £250 / £500 / £1,000 once a year or once per claim
  • Core Cover
    Inpatient and day-patient / cancer cover
  • Outpatient Cover
    Paid in full or with optional limits of £500 / £750 / £1,000 / £1,250 / £1,500

Get Joint Health Insurance Quotes & Expert Advice

With so much to consider when taking out a Health Insurance policy, getting the best cover in place can be a bit of a minefield. So why not ask an expert for advice?

Why Speak to Us?

We started Drewberry because we were tired of being treated like a number and not getting the service we all deserve when it comes to things as important as protecting our health and our finances. Below are just a few reasons why it makes sense to talk to us.

  • There is no fee for our service
  • We are independent and impartial
    Drewberry isn’t tied to any insurance company, so we can provide completely impartial advice to make sure you get the most appropriate policy based solely on your needs.
  • We’ve got bargaining power on our side
    This allows us to negotiate better premiums for you than you going direct yourself.
  • You’ll speak to a dedicated expert from start to finish
    You will speak to a named expert with a direct telephone and email. No more automated machines and no more being sent from pillar to post – you’ll have someone to speak to who knows you.
  • Benefit from our 5-star service
    We pride ourselves on providing a 5-star service, as can be seen from our 1994 and growing independent client reviews rating us at 4.92 / 5.
  • Gain the protection of regulated advice
    You are protected. Where we provide a regulated advice service we are responsible for the policy we set-up for you. Doing it yourself or going direct to an insurer won’t provide this protection, so you won’t benefit from these securities.
  • Claims support when you need it the most
    You have support should you need to make a claim. The most important thing when it comes to insurance is that claims are paid and quickly. We are here to support you during the claims process and make sure it’s as smooth and stress free as possible.
Nadeem Farid Head of Employee Benefits at Drewberry

If it is all getting a little confusing and you want to talk you through your options to make sure you find the most suitable cover please don’t hesitate to get in touch.

Pop us a call on 02074425880 or email

Nadeem Farid
Head of Employee Benefits at Drewberry

I had a great experience with Drewberry, they have a lot of knowledge and expertise with life insurance and income protection and were able to advise me and arrange suitable products. Highly recommend.

Lachlan Mellings
12/08/2020 Logo
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Drewberry Ltd registered office: Telecom House, Preston Road, Brighton, England, BN1 6AF. Telephone 0208 432 7333

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