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Family private health insurance

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

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 25, with certain plans providing cover past this age if the dependant 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.

How much does family health insurance cost?

The cost is determined by postcode, age, and what you would like the cover to include. Family health insurance quotes start at £55 per month and would vary depending on what options are selected.

How does family health insurance work?

Family health insurance generally covers the cost of treatment for acute illnesses that arise after your cover has started. Comprehensive insurance will cost more, but it will cover a wider range of illnesses and treatments and therefore puts your mind at ease. You could include cover for mental health issues, other holistic therapies, as well as sports injuries, Dental and Optical cover. Benefits depend on the policy you choose and your specific circumstances.

As standard most policies include the following:

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

What does health insurance for your 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. 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 cover to fit your family’s particular needs and you 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 brokers 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 waiting periods on the NHS, numerous people opt for private health insurance to protect their families and take control of their treatment. 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.
  • Privacy with a private room, phone, TV, local hospital and extended visiting times.

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 choosing your health insurance are:

  • It must be affordable and it can be paid 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 customise the policy if necessary.
  • Learn about the limits.

Can you add family members to health insurance?

You can add your current partner and children from your current and past relationships to your policy as well as children that you have guardianship over or have adopted. A lot of insurers will only charge for the first child, further children are covered free of charge. You can add family members as long as they are living at the same address. If they live at a different address, you may need to set up a separate policy. Healthplan can offer advise and guidance on this.

Do I have to be married to add my partner to my Family Health Insurance?

You can add your partner to the policy as long as you both reside at the same address. You don’t have to be married and same sex partners can be covered. Children of either partner can be included.

How to choose affordable family health insurance

The ideal cover may 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 see if there’s a better deal. Every year, a variety of changes might occur that influence the types of plans offered and their premiums.
  • 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 cover limits, any excess and no claims discounts.
  • Get Professional Help: Please use the services of a specialist broker such as Healthplan. Our experts can offer you a variety of quotations, talk through the benefits and assist you in selecting the best policy for your needs.