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.
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.
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.