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The Exeter

Family health insurance gives you the assurance that you and your loved ones will be diagnosed and treated appropriately without the long wait of the NHS treatment. You may skip long NHS waiting lists to see a specialist and obtain private therapy to help you get back on your feet. Learn more about family health insurance and compare available in the UK quotes.

What is family health insurance?

When you and your family are in need of medical attention, family health insurance may help. All identified members of your family are covered by family health insurance. Children are typically covered until they turn 18, with certain plans providing coverage further than this age if the kid is enrolled in full-time education.

In the event of injury or disease, family health insurance is a form of private medical insurance (PMI) that protects you and your family members through simple monthly payments. Furthermore, you may be able to pick the specific hospital where you would prefer your treatment and schedule appointments around your hectic family life, based on the family health insurance you decide on.

How much does family health insurance cost?

The cost is determined by postcode, age, and what you want the cover to include. Family health insurance quotes start at £35 and would vary depending on what options are selected.

These are the average costs that you can expect depending on the number of family members.

Family Members

Price per month

2starting from £35
3starting from £41
4starting from £48
5starting from £48
6starting from £53

How does family health insurance work?

Family health insurance generally covers the cost of treatment for acute illnesses that arise after your coverage has started. Comprehensive insurances are usually expensive, but they cover a wider range of illnesses and treatments and therefore puts your mind at ease. They may also address mental health issues, other holistic therapies, as well as sports injuries and others depending on the policy you pick and your specific circumstances. You can also include in your policy the following:

  • Overnight accommodation for a parent in the hospital in case overnight stay required for the child
  • Private ambulance
  • Nursing home
  • Dedicated specialist helplines
  • Even if your family is overseas, you may use virtual GPs

What does health insurance for family cover?

It is essential to understand and normal to want to know exactly what you're signing up for and what is and isn't covered, just as it is with any other form of insurance coverage. Our Family Health Insurance pays for private medical treatment, tests, and surgeries if you are ill or injured during the policy's term. It is usually designed for acute conditions, which are curable and short-term.

You may personalise the coverage to fit your family's particular needs and can also add on:

  • Therapies
  • Mental health services
  • Dental and optical
  • Travel insurance

Why should i get family health care insurance?

Being one of the top health insurance comparison websites in the UK, we realise how important your family's health is to you. The purpose of private healthcare is to enhance NHS services. Due to the long wait periods on the NHS, numerous people opt for private health insurance to protect their families. In an emergency, you'd still need to travel to an NHS A&E, but private insurance can provide you with additional advantages. This includes:

  • Less time spent waiting
  • Opportunity to diagnose and treat patients more quickly.
  • Amenities that involve privacy, such as a private room
  • Possible access to medication not currently available on the NHS
  • Potential access to medications that may not be accessible on the NHS

We have collaborated with a number of reputable partners to provide your family with the greatest coverage at the lowest price.

What should i consider before taking out family health insurance?

Some of the most important factors that you should take into consideration for the well-being of your family when picking your health insurance are:

  • If it’s a 12-month renewable policy or not. It must be affordable monthly or annually.
  • Consider if there are any particular private hospitals you wish to cover
  • Review your medical history and any exclusions applied to the policy.
  • Make sure that it fits your needs, and customize the policy if necessary.
  • Learn about the limits.

Can you add family members to health insurance?

In life, you may marry or add another child to an existing family. Therefore, yes, you can add family members as long as they are living at the same address. If they live at a different address, you will need to set up a separate policy. It will be issued from the address family members wanting to be insured spend most of their time.

Can you put non-family members on your health insurance?

Only dependents can be added to family health care insurance coverage. This implies that anybody other than your spouse and/or children can’t be covered under your family health insurance coverage. Your family insurance policy's members may not have to reside at the same location; for example, your teenager might be a university student living in a different address altogether.

If in the case you are not married to your partner but want to look into joint health insurance, there are couples health insurances available for you to obtain together as well.

How to choose affordable family health insurance

The ideal coverage will be inexpensive and cover all of the diagnoses and treatments that your family may need. Some things to consider are the following:

  • Review all your options: Even if you're satisfied with your current plan, it's critical to log in and see if there's a better deal. Every year, a variety of changes might occur that influence the types of plans offered and their prices.
  • Compare Yearly Costs and Monthly Premiums: When reviewing plans, it's easy to get caught up in the monthly premium payment, but this may lead to you overlooking important details like the deductible and copayment amounts. When browsing for plans, the premium price is obviously shown, but you need also consider additional expenditures. When choosing a plan, a yearly cost estimate might be quite beneficial.
  • Get Professional Help: You may also acquire health insurance for your family through our broker. Our experts can offer you a variety of estimates and assist you in selecting the best policy for your needs.

Why choose us for your health insurance?

We work with leading insurers

Get paid by your listeners, every month, predictably. No CPMs, and no scheduling required.

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Dedicated to providing personal attention to all our customers.

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We customise the insurance quotes around your health needs.

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