Health Insurance For Same-Sex Couples
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Health insurance is an important policy to ensure your well-being and LGBTQ+-friendly health insurance is no exception. Designed to provide equal access to health treatments, it works like any other UK health insurance. Whether you are in a same-sex relationship or simply looking for health insurance for same-sex couples, you will find that all major UK health insurance providers offer inclusive policies without discrimination.
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Why Choose Us
We offer completely free and no-obligation advice on private health insurance for same-sex couples. Our experienced advisors will take the stress away from you and do all the hard work in finding you the best Provider by comparing quotes with the top leading providers in the market. We have worked directly with AXA, Aviva, Bupa, and Vitality for over 40 years, we have been tailor-making the best private health insurance for LGBTQ+.
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In the UK, there are no healthcare discrimination policies against LGBTQ+ individuals when it comes to health insurance. Same-sex couples have access to the same plans, providers and benefits as heterosexual couples. Everyone is entitled to equal treatment under the Equality Act of 2010.
How Does Health Insurance for Same-Sex Couples Work?
Health insurance for same-sex couples works just like it does for everyone else. You can find a policy that suits your needs and decide whether to pay a monthly or annual premium. Once your policy is active, you will be covered for any acute conditions from the start date. If you have pre-existing conditions, depending on your underwriting option they might be excluded for a certain period.
Health Issues the LGBTQ+ Community Faces
Access to quick tests, diagnostics and mental health services is essential for the LGBTQ+ community. Challenges such as mental health struggles and specific medical needs can be addressed effectively with comprehensive health insurance.
Does Being LGBTQ+ Impact My Health Insurance Options?
The answer is simple: No, it doesn’t!
Your sexual orientation or marital status does not affect your health insurance options. The only factors that might affect your coverage are pre-existing health conditions. Health insurance providers offer the two most common types of underwriting options.
Moratorium Underwriting
This underwriting type excludes any pre-existing conditions for a specified time (usually two years). If you remain symptoms, medications and advice-free during this period, the condition may be covered afterwards.
Full Medical Underwriting
This involves a detailed health assessment before the policy starts. Pre-existing conditions are explicitly listed, so you know what’s included and excluded from your medical insurance from day dot.
Our expert says…
“Comprehensive health insurance offers faster care, bypassing NHS waiting times, and ensures you receive treatments when needed. You can access top health insurance policies for LGBT without breaking the bank with affordable comprehensive health insurance. Speak to your broker today to find a plan that best suits your needs.” Ilana Eldad, Health Insurance Adviser”
What Does Health Insurance For Same-Sex Include?
The benefits of LGBTQ+ health insurance depend on the plan you choose. The basic health insurance plan includes the following benefits.
| Outpatient | This covers everyday health needs, like seeing specialists, getting diagnostic tests or having minor treatments. All without needing to stay in a hospital. Cover limits to choose from are £0, £500, £750, £1,000, or even unlimited. Some insurers, like Vitality and The Exeter, also let you add full diagnostics. |
| Inpatient And Day-Patient | For surgeries or more complex treatments, inpatient care lets you stay in the hospital as needed. Medical treatments where you go home the same day. You get the private care you need without delays. |
| Comprehensive Cancer Cover | Provides access to advanced cancer treatments. It covers diagnosis, therapy and follow-up care to give you the best support during tough times. Also covers drugs and treatments which are not readily available through the NHS. |
| Private Hospitals | Offers access to private hospitals and NHS private wings with shorter waiting times. You get comfortable rooms, high-quality facilities, a la carte menu and personalised attention. You may choose from a mid-range hospital list to London Care HCA hospitals. |
| Virtual GP Services | Since the COVID-19 Pandemic, most UK insurance providers offer Virtual GP as standard. You can access a doctor without leaving your home. Virtual GP lets you book an appointment online and speak to a doctor quickly, saving you time and hassle. |
Extra Add-Ons
To enhance your policy, you can include additional benefits for an extra premium. Some of the benefits you may want to consider are:
| Physiotherapy | Helps you recover from joint and back injuries, making it easier to get back to your best. This benefit focuses on improving your movement and easing discomfort. It can include treatments like Acupuncture and chiropractic care, give you more options for effective recovery. |
| Mental Health Support | Provides counselling and therapy to support your emotional well-being. Perfect for when life feels overwhelming, and you need a helping hand. |
| Worldwide Travel Cover | Protects you while travelling and ensures you get the care you need during a health emergency abroad, without added stress. This option works similarly to travel insurance and provides cover for up to 120 days while you’re away. It’s perfect for frequent travellers. |
| Dental, Optical and Audiology Cover | Covers dental treatments, eye tests, glasses, contact lenses, hearing tests and hearing aids. Helps you maintain good oral, eye, and hearing health. Premiums may go up to 20% per month. |
What Is Not Covered By Same-Sex Health Insurance?
Like any other health insurance, same-sex medical insurance does not cover:
- Pre-existing conditions
- Cronic conditions
- Cosmetic treatments
- Over-the-counter medications
- Gender-affirming treatments
- Injuries from professional sports activities
- Infertility treatments
- Self-harm and drug abuse
How Much Does Health Insurance For LGBT Couples Cost?
When looking for health insurance, LGBTQ+ couples have the same options as anyone else. However, the cost can vary based on a few factors. These include your age, location, health, and the level of coverage you choose.
| Age | Your age affects the premium price. |
| Location | Where you live can change the cost. |
| Health Conditions | Any existing health issues may increase the cost. |
| Smoking Status | Smokers usually pay higher premiums. |
| Cover Level | The type of plan you choose impacts the price. |
Our health advisors have put together the average cost of health insurance for a healthy LGBT couple aged 30 and 35, who are non-smokers, with mental health cover included, mid-range hospital access and a £250 excess, may look like this:
| Provider | Monthly Premium |
|---|---|
| Aviva | £112 |
| AXA | £126 |
| Bupa | £122 |
| The Exeter | £134 |
| Vitality | £103 |
These prices are accurate as of January 2025
The UK’s Best Health Insurance Provider For LGBTQ+
All UK health insurance insurers offer equal health policies for LGBTQ+ individuals and couples. Here’s a look at some of the top providers:
AXA provides comprehensive health plans with a wide range of hospitals and mental health support. You can choose from standard or comprehensive outpatient cover. Both include full diagnostics. Their hospital network is top-tier.
Aviva is known for excellent cancer care. They also offer strong hospital networks and affordable plans, especially for people living up north. They are one of the few insurers offering a 6-week option.
Bupa is one of the best providers, including mental health and therapy as standard in all Bupa By You policies. They offer great cancer care and have a top hospital network. Their mental health support is also exceptional.
The Exeter’s HealthWise app offers mental health support, GP services and physiotherapy advice even for pre-existing conditions. It’s a great option for those who need extra support.
Vitality rewards you for staying healthy while offering a solid medical plan. Their focus on wellness makes them a great choice for those looking to stay fit and covered for unexpected medical treatments.
Each provider offers inclusive and supportive plans for LGBTQ+ individuals and couples.
Why Should LGBTQ+ Individuals Have Health Insurance?
Health insurance is important for everyone, including same-sex couples. It gives you quick access to private treatments, so you do not have to wait long for care. You get the peace of mind of knowing you can see specialists when needed.
With health insurance, you also have access to mental health services. This is crucial, especially if you ever need counselling or therapy. It can help you manage stress, anxiety, or any other emotional challenges.
Insurance also covers advanced diagnostics. This means you can catch potential health issues early before they become serious. With private treatment options, you get faster and more specialised care.
For same-sex couples, health insurance provides security. It helps protect both partners’ health, ensuring you both have access to the care and support you need. Whether for regular checkups, specialist visits or emergencies, health insurance makes sure you are covered.
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