Family Health Insurance

Family Health Insurance, also known as Family Health Cover and Family Medical Cover, gives you peace of mind about you and your family’s health. If you or a member of your family becomes ill, family health insurance will cover you for the cost of private treatment. Whilst you can’t put a price on your family’s health, for many people money is tight. That’s why ActiveQuote will find you the best price for your health insurance policy and allow you to tailor it to your needs and budget.

What is family health insurance?

Family health insurance groups a set of individual policies together into one premium. It provides family medical insurance for all named family members, including child health insurance for your children.

ActiveQuote offers free family health insurance quotes with our quote and compare service.

Why choose Family Health Insurance?

Family Health Insurance is an alternative to the National Health Service (NHS). Recent health insurance news has revealed a huge variation in UK NHS hospitals. Even if you or a member of your family has a serious condition you may still have to wait to see a specialist on the NHS.

Not only does family health insurance allow you to beat the lengthy NHS queues, it will also give you and your family many other benefits.

• Family health insurance will give you and your family a choice of private hospitals, times and specialists. This is one of the biggest benefits of family health insurance, allowing you to plan appointments, treatment and hospital stays around your schedule, at a hospital conveniently located for you.
• If you or anyone in your family stays in a hospital, you will have your own private room with excellent facilities.
• Family health insurance will help you avoid the risk of superbugs which are common in NHS hospitals.
• Family health insurance can give you access to drugs not available on the NHS.

On this website we offer a FREE comprehensive database of private hospitals so you can see which family health insurance policy covers you at your local private hospital.

Choosing the right Family Health Insurance Plan

Almost all the major health insurance providers offer family health insurance plans, including Bupa Healthcare and AXA PPP Healthcare. There are three main levels of policy offered by insurance companies; budget, standard and comprehensive.

• Budget policies - although they are the cheapest option they may only provide very basic cover. They usually only cover either in-patient treatment, with little diagnosis or out-patient treatment, or out-patient and diagnosis only.
• Standard policies are very popular among families, and usually cover in-patient treatment in full, as well as out-patient consultations and diagnosis up to an ageed limit.
• Comprehensive policies - the most expensive options, but will usually cover all diagnosis, consultations and treatment on an in-patient, day-patient or out-patient basis. These top of the range policies often also cover physiotherapy, alternative medicines, and dental and optical cover.

Many insurers are also offering a more flexible approach to family health insurance. This usually includes a core cover policy, supplemented by a choice of additional options to bolster the cover.

Features to look for when buying family health insurance

• In-patient hospital charges - most good health insurance plans will cover the cost of staying in a hospital, as well as all associated charges such as diagnostic tests, specialist consulations, drugs and dressings.
• Out-patient consultations and tests - a good level of out-patient tests and consultations is recommended as this allows you to quickly get a diagnosis when needed.
• Cancer cover - if cancer cover is a concern, look for a policy with full radiotherapy and chemotherapy, which also gives you access to drugs often not available on the NHS.
• Discount schemes - whilst cost shouldn't be the biggest deciding factor when insuring your family's health, there are discount schemes available which can help you afford more extensive policies. These include increasing your excess and a six week wait option. You can refer to our health insurance guide for more comprehensive guide on discount schemes

ActiveQuote’s unique comparison service shows all the options available on each family health insurance policy so you can tailor your quotes to your needs and budget.

What Medical Conditions will Family Health Insurance cover?

Family health insurance will not cover the costs of voluntary medical treatment. ActiveQuote provides a FREE comprehensive database of medical conditions. The database contains tips about what to look for in private health insurance to cover each condition.

Your choice of health insurance underwriting will change the way you apply for cover. For more information about underwriting, check out our health insurance guide.

Compare Family Health Insurance with ActiveQuote

ActiveQuote is the only true price comparison website for quoting, comparing and buying health insurance in the UK. Try our free quote and compare service, or for more information visit the About ActiveQuote page.

What are the benefits of comparing family health insurance with ActiveQuote?

• Compare all UK leading insurers including Bupa, Aviva, PruHealth and Simply Health.
• Active Price Comparison - You can tailor your family health insurance quotes online by changing voluntary excess, the hospital list, the modules and the options with instant updates to the price.
• Free personal advice - Our free, impartial advice comes with no obligations.
• Dedicated Team of Health Experts - We are a specialist PMI broker with a team of advisers with more than 40 years’ experience of health insurance.
• Buy online - No other websites provide quotes from all leading UK insurance companies or allow you to purchase the one you choose instantly online.
• Fully authorised and regulated by the FSA - unlike some other online medical insurances sites, we will not sell on your details to any third parties.