Family Health Insurance

A family private medical policy protects you, your partner and your children against expensive medical bills when one, or several of you require private medical treatment. Through a private medical insurance plan, you usually get faster access to treatment than through the NHS and more choice when it comes to your healthcare.

With a health insurance plan for families, whenever you or any of your family members require medical treatment, you can access private healthcare and get your medical bills covered by your health insurer once they have approved your claim. In turn, you pay the medical insurance company a monthly or annual premium that covers all your family members.

Your health insurance cover will depend on your protection requirements and the health insurance provider selected. Basic health insurance generally provides cover for inpatient treatment, should you or a family member need to be admitted to hospital for one or more nights, and might also include some outpatient cover, where you get treatment from a consultant but don’t require a hospital bed.

More comprehensive private medical insurance policies can include extensive outpatient cover and other optional health benefits such as mental health cover, private GP, home nursing, dental cover and much more.

Rather than buying individual health insurance policies for each member of your family, a family plan has the benefit of providing health cover for all your family members under one single policy. Therefore, you could save money and your family’s healthcare is easier to manage.

Many family private medical policies cover cancer, from diagnosis to treatment. If cancer cover is important to you, we will find the right policy with the right cover for your peace of mind.

Each medical insurance provider will have their own exclusions, but usually, a family private medical policy doesn’t provide cover for pregnancy and normal childbirth. In addition, treatment for recurring, long-term conditions (chronic) or treatment for conditions and symptoms you had before you started your policy will not be covered either.

A family private medical plan is meant to cover your immediate family, including your partner/spouse and your children living at the same address. This means you can’t add any other family or non-family members on your policy, such as grandparents, cousins and aunts/uncles.