We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Private medical insurance with Vitality - joint or separate??

Options
I can't decide which way to go with this. Not much difference in premiums but the points required for a joint policy to earn rewards is significantly lower than two individuals would need to earn in separate policies.

But then it's statistically more likely that one of you won't manage the activity thresholds every month.

Plus does it protect your no claims status better to have separate policies? My partner has a chronic illness which I know wouldn't be covered anyway but might make him more susceptible to other health issues than me so perhaps longer term it's cheaper to keep them apart?

Would really appreciate any thoughts.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244K Work, Benefits & Business
  • 599K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.