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

Will pregnancy be covered by Private Medical Insurance?

Private Medical Insurance companies will not cover routine pregnancy. When going into labour, there is no waiting list and you will be seen immediately by the NHS in a private room. However, should there be complications during your pregnancy or childbirth it may be covered depending on your selected plan.

I have just had a baby – can I add them to my policy mid-term?

Yes, just notify us or your insurance company and we will add your new-born at no increase to your premium.

Can I get cover for my pre-existing condition?

Long NHS waiting lists and cancelled or delayed procedures are a common motivation for initial enquiries into health insurance. Depending on the condition, it is unlikely it will be covered on your plan. Although, if you have a pre-existing condition speak to one of our expert advisors as different underwriting options may suit your needs.

What age can a child remain on a family health plan until?

Most insurers will insure a child on the family insurance plan until the age of 21 if they are no longer in full time education, or 24 if they are.

Am I covered on my holidays abroad?

Depending on the plan you opt for, there may be some level of cover if you require emergency treatment abroad. Several of our policies allow you to add holiday medical insurance in addition to travel insurance which will cover the cost of loss passports, luggage and holiday cancellations.

My child has been admitted for an overnight stay in hospital. Will my plan cover my accommodation?

Comprehensive plans may cover overnight stays in accommodation near to where your child has been admitted. Speak to one of our advisors before taking out a policy if this is something you’d like to have covered.

Can I get cover for cancer treatment should I be diagnosed?

Health Insurance gives you access to the latest cancer treatment, as well as medication and procedures that don’t tend to be obtainable on the NHS. Private cancer care is intended to make your treatment as comfortable as possible by making chemotherapy at home an option, along with home nursing.

Can I access a Private GP?

The majority of the insurers on our panel offer an online/virtual GP, meaning you don’t have to leave the comfort of your own home. This gives you access to talk to a doctor promptly, receive referrals and get prescriptions.