Family health insurance

What is family health insurance?

Family health insurance covers your whole family under one health insurance policy. You’ll only have to pay one monthly or annual payment to cover you, your partner and your children.

Family private health insurance often works out cheaper and makes it easier to keep track of what you’re covered for. Family health insurance could meet the costs of all the private healthcare your family needs.

Depending on the cover level, you and your family can:

• Get treatment at private UK hospitals
• Avoid lengthy NHS waiting lists
• Get consultations with private GPs
• Be diagnosed quicker through private testing
• Access additional extras like physiotherapy, chiropractic care and more

Why choose family health insurance?

The main benefit of family health insurance is the price. Covering everyone at once often works out cheaper than covering them under separate policies*.

It also makes keeping track of who’s covered for what much easier, allowing you to focus on what really matters when a member of your family is unwell.

^{*Based on Confused data September 2022.}

What does family health insurance cover?

This depends on your cover level, with more advanced policies offering a much higher level of cover.

Basic level policies will cover any operations, hospital stays or in-patient treatment your family needs. Most family health insurance policies include these.

Medium level policies will add cover for a limited number of tests or scans your family may need to diagnose an illness.

Advanced or comprehensive policies will cover all testing. Plus additional therapies like physiotherapy, mental health support and more.

Dental care will also usually be covered, either fully or in part.

For more detail on what’s covered, see our health insurance page.

What is the best private health insurance for families?

Exactly what you get with family health insurance can vary from provider to provider.

However, the best private health insurance policies should include:

• Hospital stays for scheduled operations/procedures
• Treatment as a day patient
• Outpatient consultations and treatment
• A choice of optional extras

With Confused.com you can compare quotes for family health insurance from UK’s leading providers.