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Family health insurance

Cover your loved ones with family insurance

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What is family health insurance?

Family health insurance covers your whole family under one single health insurance policy. This means you’ll only have to pay one monthly or annual premium to cover you, your partner and your children. It often works out cheaper and makes it easier to keep track of what you’re covered for. Once you’re covered, family private health insurance will pay for the costs of any private healthcare your family needs.

Depending on your cover level, you’ll be able to:

  • Be treated at private hospitals
  • Avoid lengthy NHS waiting lists
  • Get access to private GPs
  • Be diagnosed quicker through private testing
  • Access additional extras like physiotherapy, chiropractic care and more

Who can be listed on a family policy?

You can cover up to 7 people on your family health insurance policy. This includes up to 2 adults, with the rest made up of your children. If you’re looking to cover just 2 adults, or one adult and a child, try joint health insurance, which gives you all the same benefits under a smaller policy. 

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 falls sick.

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 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 in 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, as well as additional therapies like physiotherapy, mental health support and more.

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

For a deeper dive into what’s covered, see our health insurance page.

What extras can I add to my family policy?

Some policies will offer additional benefits on top of your basic coverage. These could be added on free of charge with more advanced policies, but for basic ones you may have to pay a little towards them yourself. 

Additional benefits can include:

  • Mental health support
  • Complementary therapies like physiotherapy
  • 24/7 virtual GP appointments

For a full list of the additional benefits, see our health insurance page.

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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.
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Jac Morris

Health insurance expert

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Need more help?

What do I need to get a quote?

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.

What doesn't family private health insurance cover?

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.

Will family health insurance cover pre-existing conditions?

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.