How can I get cheaper family health insurance?
There’re a few ways to cut the cost of family health insurance:
- Work out what you want covered
- Think about your excess
- Pay annually
- Cut back on the extras you don’t need
- Live clean
Work out what you want covered. Policies are split into several levels, from basic to comprehensive. Basic policies will be cheaper but will only cover things like hospital stays and surgery. More advanced policies will cost more but could cover everything from diagnostic testing to physiotherapy. Find the coverage level that suits you and your budget.
Think about your excess as the more you’re willing to pay towards the cost of a claim, the cheaper your premiums will be.
Pay annually and your policy will usually be cheaper compared to paying monthly.
Cut back on the extras you don’t need. Some policies will offer extras like chiropractic care, 24/7 mental health care and other add-ons that, while handy, can drive up your premiums. Consider what you need and what you don’t.
Live clean as fitter, healthier non-smokers typically enjoy lower premiums. If you can prove you live an active, healthy lifestyle, you could pay less.
What our health insurance expert says
Family health insurance is a great way to cover everyone at once. You’ll only have one premium to pay, and an easier-to-manage policy, so you’ll know exactly who’s covered for what. If one of you falls sick, you can then concentrate on what really matters – them.
Health insurance expert
Need more help?
Getting a family health insurance quote is easy.
You’ll just need to know:
- What you want to be covered for / the level of cover you want
- How many people you’re covering
- How much excess you’re willing to pay
- Whether any of your family members are smokers
We’ll do the rest and find you the best policy at the best price.
While there’s a lot it will cover, there’re a few areas that are usually excluded. Most policies will not cover:
- Experimental treatments that haven’t been proven to work
- Health issues due to drug abuse
- Routine pregnancy care
- Deliberately self-inflicted injuries
- Cosmetics treatments
Once you’ve got your quote, you can check the insurer’s policy details to see exactly what isn’t covered. Just in case there are any other areas excluded that you want to be covered for.
No, most health insurance policies won’t cover pre-existing conditions. These are typically classed as health issues you’ve received treatment for in the last five years. Some insurers will put the time limit a little lower though.
Ongoing conditions like asthma and diabetes are common pre-existing conditions, and if you’ve recently received treatment for them, any further treatment won’t be covered by your policy.
Check with your insurer to see what is and isn’t included.