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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 treatment on your policy if the NHS waiting list for the same treatment is longer than 6 weeks. This will considerably reduce your premiums and help you protect your no claims bonus.
  • 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

Compare Top 5 UK Health Insurance Providers

aviva

Aviva

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
bupa

Bupa

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
    £0-£500
  • 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

Vitality

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

Independent Health Insurance Advice For Couples

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 help@drewberry.co.uk.

Nadeem Farid
Head of Employee Benefits at Drewberry

Extremely satisfied with the help and advice from Drew, since the beginning him understood what I was looking for and have the patience to help me out with all my questions and doubts. Didn’t tried to be push or annoying calling me all the time like so many did before. At the end we find the perfect medical policy for me and my daughter that covers everything that we need. I more than recommend them and if in the future I need something else for sure I will contact them again. Giving only 5 stars because I can’t give 6!!!!

Natasha Caversan Mucci
07/06/2019
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