Joint health insurance

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:

 

• Basic - covers the costs of medical treatment as an inpatient and also covers the cost of you hospital stay.
• Medium - offers the same as basic plus some outpatient costs including the cost of seeing specialists and consultants and the cost of follow up tests.
• Comprehensive - includes all of the above plus cover for mental health treatment and physiotherapy.

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.  

Compare health insurance providers on Compare by Review today. We’re the first and only comparison site that ranks health insurance providers exclusively on customer experience and product quality rather than price. Our full table of providers will give you an impartial and unbiased overview so you can purchase health insurance from a high-quality provider that you can rely on when you need them most.