Comparing joint health insurance
The thought of yourself or your partner developing a health condition is something that most of us would prefer not to think about, but there are steps you can take to get some much-needed peace of mind.
So how can you pre-empt or ease the worry of health problems affecting your lives? Well, for one you look into improving your lifestyle, join a gym and eat lots of fruit and veg.
But that won’t completely prevent every health problem, so you may want to strengthen your chances of excellent medical care by choosing a joint health insurance policy.
What is joint health insurance?
The idea behind health insurance is to give you an alternative to the NHS when you need some kind of medical attention.
Say you develop a serious back problem and go to your GP. They might refer you to hospital, but you can’t be seen for at least a couple of weeks. If you’ve got health insurance you have the option of calling your provider to see if you can get a private appointment and treatment more quickly. They may also have access to more specialised medical experts or medication.
Here’s how it works. Much as with other types of insurance, you pay a monthly insurance premium. Then if you do need private medical treatment, you contact the insurance provider to make a claim. The claim covers the cost of your consultation and treatment (just check whether there are any exclusions in the T&Cs to make sure you’re covered). And like car and home insurance, you pay an agreed excess at the point of making a claim.
With a joint health insurance policy, the policy covers both you and your partner. It could work out a bit cheaper than having two separate policies.
So how do you go about choosing cover?
To understand the costs and what’s included, a good start is to click the button above to start comparing policies.
We’ll ask you a few questions, and then provide you with a list of joint health insurance quotes with details about what they offer and features they include.
If you need more advice, call our free support phone line above to speak to an independent expert. They can help you find the health cover that’s right for you.
What will it cost?
We can’t give you a proper answer to this question because, as usual, it depends what you want. A lot of policies will cover essential treatments, but you might prefer a full range of specialist therapies and complementary medicines to be available, in which case check each provider’s features to make sure they include what you need.
Our comparison page will let you look at the different options from basic cover to mid-range cover and comprehensive cover.
If you do go to the gym and eat your five a day, the good news is that you might be able to get a cheaper policy. Some providers offer discounts if you can show that you take steps to be healthy.
If you’re finding that even the cheapest joint health insurance quote is too much, you could reduce the cost of your cover by choosing a higher excess. Like with home and car insurance, you can choose a voluntary excess, and the higher this is, the lower your monthly payments might be. Just make sure you can afford to pay the excess should you need to.
Another, often cheaper, type of medical insurance is the health cash plan, which gives you some money towards your routine healthcare costs. The plans pay you a cash sum when you visit a medical professional, like your optician or dentist. Just check the T&Cs to confirm when you will receive the payment.
Joint life insurance first to die
When comparing health insurance, you might have come across the term joint health insurance first to die. This is commonly confused with joint life insurance first to die. With life insurance you can buy a joint policy, which pays out when the first member of the couple passes away. The idea is to support the one left behind with any debts, funeral costs or mortgage payments. So sometimes a joint life insurance policy is called ‘first to die’ insurance. It’s also worth knowing that once the policy has paid out, you would need another policy if you want to continue being covered.
Get started and compare
Hopefully this has helped you understand some of the basics about joint health insurance. The good news is that when you use our site to compare quotes we’ll explain each policy in more detail, including what it covers and what it doesn’t, and any other benefits that come with the policy. Why not click the button above and get started now?