Agents
Health Coverage for Two
Our joint health policies provide comprehensive coverage for you and your partner under a single plan. Enjoy simplified administration and potential cost savings compared to individual policies.
- Single policy covering both partners
- Cost savings compared to separate individual policies
- Simplified administration with one renewal date
- Shared or individual excess options
- Tailored coverage levels to suit your combined needs
Insurance Cover
Individual health insurance typically covers inpatient treatment, day-patient treatment, outpatient consultations, diagnostic tests, and specialist referrals
Virtual GP Services Available
Convenient Online Access: Many UK health insurers now offer virtual GP services as part of their policies, allowing you to speak with a qualified GP from home or work, often within hours.
Comprehensive coverage designed around your unique healthcare needs and budget. Whether you’re looking for basic coverage or a premium plan with extensive benefits, we’ll help you find the perfect match.
Peace of Mind is only a phone call away
Your Insurance Questions, Answered
Joint health policies are designed specifically for two adults (typically partners or spouses) without dependent children, while family policies cover two adults plus their dependent children. Joint policies are tailored to the needs of couples, often with more focus on adult healthcare concerns, whereas family policies include benefits relevant to children, such as pediatric care and developmental checks.
This varies by insurer. Some joint policies require both partners to have identical coverage levels, while others allow for customisation. Certain insurers offer the flexibility to select different excess amounts, hospital lists, or even core benefit levels for each partner based on their individual healthcare needs. We can help you find a policy that offers the right balance of shared benefits and personalisation. conditions than standard policies.
Joint health policies typically offer savings of 5-10% compared to two separate individual policies with equivalent coverage. The exact savings depend on multiple factors including your ages, health status, and the specific insurer. Beyond cost savings, joint policies also offer administrative convenience with a single application process, one renewal date, and simplified claims handling.
When one partner has pre-existing conditions, insurers typically handle this in one of three ways: they may exclude those specific conditions for that partner only, they may increase the premium for the entire policy, or they may offer a moratorium where the condition could be covered after a period without symptoms. The conditions of one partner don’t typically affect the coverage of the other partner, even under a joint policy.
Most insurers allow joint policies to be split into individual policies if circumstances change. This typically allows both partners to maintain continuity of coverage without new underwriting or waiting periods. The process and terms vary by insurer, but we’ll ensure you understand these provisions when selecting your policy. Some insurers may require notice periods or have specific procedures for policy separation.