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Family health insurance
Family health insurance provides private medical treatment for you and your family when you need it most. Family health cover offers peace of mind that you and your loved ones will receive a diagnosis and the right care without the need to wait for NHS treatment, which can sometimes take a long time.
What is family health insurance?
Family health insurance is a type of private medical insurance (PMI) that covers you and your family members in the case of illness or injury. By paying a monthly premium, you can bypass lengthy NHS waiting lists to see a specialist and receive private treatment to help you on the road to recovery. Depending on the family health cover you opt for, you might be able to choose the hospital you are treated at, as well as plan appointments around busy family life.
Family health insurance covers all named members of your family. Children are usually covered until they reach 18, with some plans offering insurance beyond this age as long as the child is in full time education.
How does family health insurance work?
If you or a member of your family feel unwell or have an accident, the first step is to visit your GP as normal. You will then be referred under your health insurance for any tests required, before diagnosis and treatment.
You can choose the level of cover required at a price that's affordable for your family budget. As with many health insurance policies, your premium is likely to be cheaper if you and your partner don't smoke and take regular exercise, while opting for a higher excess - the amount you will have to pay towards a claim - can also keep costs lower.
What are the benefits of family health insurance?
There are many benefits of taking out family health cover, including peace of mind that you can access the right services as soon as you need them. As well as covering accidents and injuries, family health insurance includes treatment for acute medical conditions, such as diagnostic tests and consultations, while some policies also give access to drugs and treatment not available on the NHS.
Some plans offer out-patient as well as in-patient treatment and, if you do have to stay overnight, you can recover in your own private room instead of on an open ward. Some policies also provide cover to ensure a parent can stay at the hospital overnight if your child is admitted.
What should I ask about my family health insurance?
As with any type of insurance policy, it's important to know exactly what you're taking out and to understand what is and isn't covered. You can tailor the policy so that it meets your family's specific requirements.
Most policies cover diagnostic tests and access to specialist consultants, as well as in-patient hospital care, but if you want to ensure cover for out-patient treatment, you will need to look for a more comprehensive plan. Similarly, if, for example, cancer cover is a priority for your family, you will need a policy with specific radiotherapy and chemotherapy cover.
You may read about health cash plans. These provide cash sums for routine health care such as dental and chiropodist appointments and can be a useful way of managing your family budget, but they are very different to health insurance and should not be treated as such.
Why compare family health insurance with ActiveQuote.com?
As the leading health insurance comparison website in the UK, we understand how important your family's health is to you. We work with a range of trusted partners to offer families the best cover at the right price; find out more about our partners in our guide to health insurance.
Our policies are easy to understand and can usually be bought online, but our highly trained customer service advisors are at hand to answer your questions and provide that extra peace of mind your family deserves.