Family Health Insurance

We understand how precious your family’s health is and we’re here to help you protect it with the best and most suitable Family Health Insurance Policy. A family policy offers an affordable way to access the benefits of private medical care, should any of you ever need it. Private medical care offers access to the latest and best treatments and medicines, as well as flexible times, dates and locations to fit around family life. It also makes any stays in hospital more comfortable with private en-suite rooms, an a la carte menu and less restricted visiting times.

Our expert advisers are waiting on the end of the phone to help you find the perfect policy to suit all your requirements. Let them remove the hassle and confusion by comparing everything for you, so you can go back to enjoying the best of family life, secure in the knowledge that one more thing is ticked off your to-do-list, and your most precious people are covered.

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Breakthrough cancer drugs and treatment

24/7 access to a private GP helpline

Mental health support and treatment

Fast access to the treatment you need

What is Family Health Insurance?

Family Health Insurance is an insurance policy for the whole family, whereby you pay a monthly or annual premium to cover the cost of treatment at a private medical facility, should any of the family require it. It can also be known as Private Medical Insurance (PMI) or Healthcare and is available for individuals and couples as well as for the whole family.

What are the main benefits of Family Health Insurance?

Private medical care allows the whole family access to the latest medicines and best treatments, some of which may not be available on the NHS. Some cutting edge cancer treatments for example, are not within NHS budgets, but are available privately.

Private care also avoids lengthy NHS waiting times, allowing you to move forward with diagnosis and treatments without the wait. There is much more flexibility, with regards to when and where your treatment takes place.

Private medical care ensures extra comfort and privacy, with private en suite rooms, an a la carte menu and less restricted visiting times.

How does Family Health Insurance work?

Private Medical Insurance works hand in hand with the NHS to complement it, not replace it. Taking out a policy will allow you to safeguard your family by paying a monthly or annual premium to give you the reassurance that your policy will pay private hospitals directly for any treatment you may require.

There is a wide variety in levels of cover available and it is down to the individual requirements to dictate how far you would like to extend the cover. These various levels can be broadly split into two categories.

Basic inpatient cover, which just covers treatments requiring a hospital bed (whether or not this is overnight).

More comprehensive outpatient policies also extend to cover the diagnosis, consultations and treatments not requiring a hospital bed.

What conditions does Family Health Insurance Cover?

All health insurance policies are intended to cover acute conditions; this means something treatable and short-term for example leukemia or the need for a hip replacement.

It is not intended for chronic conditions; long-term conditions which cannot be treated such as asthma or diabetes.

  • 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.

Health insurance of any kind will also not cover emergency treatments, this is something that would always be covered by the NHS.

  • Accident and emergency
  • Chronic conditions such as asthma and diabetes
  • Stroke aftercare
  • 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.

Frequently Asked Questions

What is an excess in health insurance?

An excess is an amount each person on your policy pays towards the cost of a claim. For example, if you choose a £250 excess per claim and your treatment for one eligible claim costs £5,000, you would pay the first £250 and the insurer would pay the rest. In the event of the claim being lower than the excess, then the remainder of the excess “pot” would be used towards the next claim.

Can I get private health insurance with a pre-existing condition?

Yes you can, however, the pre-existing condition will be excluded for cover on the policy. In most cases, this is reviewed after 2 years should there be no medical advice, treatment or medication within the first 2 years of the policy for that condition. This will depend on which underwriting style is best for you and your situation.

What isn’t covered with private medical insurance?

All insurers have a list of conditions and examples that will not be covered, these are known as “general exclusions”. Some of these general exclusions include routine pregnancy, war, riots and terrorism, and routine maintenance of existing chronic conditions. These will all be detailed within your policy documents but if you would like to know more, give us a call and we will be happy to help.

Are there any age restrictions?

Whilst there are some insurers that do have age restrictions, there are still many insurers that will offer cover whatever your age. Usay Compare has access to such a large selection of insurers and products we can source a policy whatever your age. In fact, the oldest member we found cover for recently was 99 so if you were thinking it can't be done. It can.

How can I pay the premium?

There are many different ways to choose to pay for your private medical insurance but the most common ways are by direct debit either monthly or annually. Other options like BACS, credit card or cheque payments are available but it will depend entirely on the insurance company you go with.

How long does it take to set up?

Policies can be set up over the phone in as little as 20 minutes but it will depend entirely on our advice as to what the best policy option is for you and whether we need to discuss your medical history in more detail. However, most policies can be applied for over the phone with our professional sales advisers so there will be no application forms for you to complete. Let us do that.

What are the different underwriting types?

Full medical underwriting (FMU) requires you to provide your complete medical history – and that of all policyholders – when you take out your policy. The information you provide may mean the insurer excludes certain conditions from cover for the lifetime of the policy.

Moratorium underwriting doesn’t require you to disclose your medical history. However, for the first two years of your policy you won’t be covered for anything you’ve had symptoms, treatment, medication, diagnostic tests or advice on in the five years before your policy start date. If, after a two-year consecutive period (after the policy starts) you meet certain criteria (usually this includes remaining symptom, treatment, medication or advice free from that condition), then it will become eligible for cover again.

Switching your policy allows you to move from one insurance provider to another and still be covered for medical conditions that you may have had problems with in the past.

Will i need a medical examination.

No, absolutely not. Unlike life insurance there are no medical examinations or nurse screenings to attend. Some policies may ask you some eligibility criteria that will include information about your most recent medical history however most policies we sell do not require you to divulge ANY medical information at all.