Protect your family with private healthcare insurance

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Our families are at the centre of our lives, and our children are the very heart of our family. People often question whether children are covered by private medical insurance (PMI). The short answer is yes – and there are plenty of benefits involved in arranging private healthcare insurance cover for your children, too.

How does family PMI work?

Private health insurance is designed to work alongside the NHS – complementing the UK’s state system, not competing with it.

Once you’ve found a PMI policy that suits you and your family, simply visit your GP as normal, and tell them you have PMI cover. They will refer you to a private specialist, who will diagnose your condition, and either treat you, or refer you to a consultant or hospital of your choice.

The major difference between NHS care and private medical insurance is that PMI enables you to choose when and where you’re treated – fitting hospital appointments, consultations and treatment around your family’s schedule and commitments.

Family health insurance covers families for acute health conditions – the ones where private treatment can return you to your original level of health quickly and effectively.

Parents:
can be one or two parents listed on the policy.

Family discounts:
many insurers offer discounts of up to 10% when you add children to your PMI policy.

Newborn cover:
‘medical history disregard’ (MHD) is an option that enables parents to add cover for newborn babies, should they need treatment. For example, if your baby was born with a heart condition that required surgery, your family PMI policy would cover the diagnosis, consultation and surgery that may be needed. This can give you valuable peace of mind that comes from knowing your baby is covered from birth.

Baby cash bonus:
many insurers pay a bonus of up to £100 cash if you have a new baby while you’re covered by their PMI policy.

Free cover:
some insurers, such as Aviva, only charge for the eldest child on their family private health insurance policies. All other children are covered free of charge.

What conditions does private health insurance cover?

If you’re fit and healthy, private medical insurance covers most acute medical conditions. Commonly covered conditions include:

  • Cancer including palliative care, diagnosis, chemotherapy, radiotherapy, etc.
  • Heart disease including aftercare cover
  • Stroke aftercare
  • Sports injuries unless you’re a professional sports person
  • Mental health issues including counselling and psychiatric care
  • Complementary therapies such as physiotherapy and osteopathy
  • Alternative therapies including acupuncture, chiropractic, homeopathy, etc.
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Exclusions

All insurers have exclusions, which explicitly state what isn't covered by their health insurance policies. Generally, these exclusions include anything that will only ever be dealt with by the NHS – including:

  • Accident and emergency
  • Chronic conditions such as asthma and diabetes
  • HIV & Aids
  • War, riots and terrorism
  • Dangerous sports such as base jumping, snowboarding, etc.

Each insurer has its own list of exclusions, and our expert advisers will happily talk you through what is and isn't included for any policy we sell.

Useful health insurance guides

We know insurance isn’t always the easiest subject to understand, so we’ve produced a range of helpful, plain English guides to clear up any confusion and answer your questions. Choose a guide from the list below to find out more about private medical insurance.
View all the guides

Why compare with us?

Comparing health insurance plans to find the best possible cover at the best possible price? You’re in the right place. Usay Compare works in a similar way to a broker, comparing prices and cover from market leading insurers such as Aviva, AXA and Bupa.

Unlike some insurance brokers, our service is completely free of charge. We're not tied to a single insurer, which means we’re independent, unbiased and impartial. We strive to exceed your expectations with our service every single time you get a quote from us. Be smart – compare before you buy.

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