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Family Health Insurance
Caring for your family’s health is your number one priority.
A family health insurance policy allows you to do this at the times when you need it most.
To compare health insurance policies and get a family health insurance quote, fill in the form and a specialist health insurance broker will be in touch to discuss options.
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Protecting Your Family’s Health
Being a parent is a joyful experience, but it can also be stressful
when your children are unwell or struggling with an injury.
With a family health insurance policy, you’ll have trained professionals on hand for assistance when you or your family need help, whether it’s to help you return to work as quickly as possible or to treat your children efficiently without needing to wait.
With private family health insurance cover, you can rest assured that you and your loved ones will be taken care of quickly and efficiently, without the need to wait for NHS treatment which can often takes weeks or months.
What Is Family Health Insurance?
Family health insurance plans offer private medical insurance which covers you and members of your family in the case of an illness or injury. By having private medical cover, you can bypass the lengthy waiting times of NHS care and see a specialist more quickly, so you can receive the treatment you need to get back to full health.
There are various types of health insurance cover to choose from and the type you opt for will determine whether you’re able to choose which hospital you and your family are treated at, as well as making it easier to plan appointments and choosing specialists that are close to your location.
Booking appointments around family life is difficult at the best of times, so being able to choose an appointment that suits your requirements can be a huge relief for so many families.
Why Should I Buy
Family Health Insurance?
There are many benefits to choosing a family health insurance policy cover for your family, not least the peace of mind that it provides in ensuring that you and your family are covered should you need assistance.
Family health insurance covers accidents and injuries, as well as treatment for acute medical problems, diagnostic tests and consultations.
Some policies may even include treatments and medications not available on the NHS or offer out-patient and in-patient care.
If you or your family need to stay in hospital overnight, your policy will give you the opportunity to rest in a private room instead of an open ward.
The NHS delivers great care but with long waiting lists and stress placed on professionals, it can mean that you’re waiting for months before receiving treatment which places a burden on you and your everyday life.
By opting for family health insurance, you can receive a diagnosis and treatment quicker, at a time that suits you.
What Is The Best
Family Health Insurance?
You'll find that there are a lot of providers registered in England and the rest of the UK that offer protective policies for you and your family.
Some of the bigger names in the private health insurance field are the likes of Bupa, AXA, Aviva and Vitality, which all offer family health plans and have positive reviews from previous customers.
With any policy, it’s important that you fully understand what is included and what you and your family are not covered for, as this varies depending on the provider and the policy you choose.
You don’t want to make a claim and discover that the treatment or care you need is not included in your policy.
Most family health insurance policies include any tests you may need, as well as hospital stays and surgery. Others may include medication as well, including those which you can’t access through the NHS – these would still need to be authorised and regulated in the UK though.
The more premium your policy, the more the cover will include. For example, higher-end policies often include consultations with specialists, as well as further therapy and additional treatments. For families, this additional care can be a huge relief in ensuring that your children will be getting the absolute best care and treatment possible to help them recover.
What Does Private Health Insurance
Cost For A Family Of 4?
The cost of health insurance varies from provider to provider, as well as different factors such as the age of those being covered and where you live.
If you choose comprehensive health insurance, this will typically cost more than treatment and care insurance – similarly, how much excess you choose will alter the cost. A young family does not usually pose an insurance risk but bear in mind that the cost of health insurance does increase as the adults get older. If you lead a healthy lifestyle and make positive health decisions, like giving up smoking or losing weight, you may be able to arrange cheaper family insurance.
Where you live can actually impact how much your family health insurance costs too – this is due to where your treatment would be taking place should you need it.
The price of treatments in a private hospital in London, for example, differs enormously to the cost of a private treatment elsewhere in the country. Because of this, your location can make a big different to the cost of your family private health insurance.
As a guide only, for a young family of 4 you'd expect to pay between £120 - £150 per month
What Questions Should I Ask?
As with any form of insurance, it’s vital that you know the details of what you’re taking out and to fully understand what is and isn’t covered by your policy.
It’s often possible to tailor the policy to meet the specific needs of your family, so look into the ways that you may be able to personalise the policy you choose. Most policies cover diagnostic tests, access to consultants and in-patient care.
But for out-patient treatment, you may need to choose a more comprehensive health insurance plan..
It’s also worth noting that if your policy specifies certain hospitals, you should check whether they accept children as well, as not all hospitals or treatment centres do.
Get insurance quotes from different providers and run through the different factors for each so you can assess them thoroughly. This will allow you to check for any exclusion clauses and consider which provider can offer the best care for your family.
It’s also important to check that the health insurance provider you choose has been regulated by the Financial Conduct Authority. While you may have health insurance for the people that are important to you, if something were to go wrong and your provider went bust, you would need to be confident that your policy would be protected.
The Financial Conduct Authority can provide this peace of mind – they protect your money if your insurer fails. So, before signing on to a health insurance policy, check that they have been regulated by the Financial Conduct Authority.
The Importance of Insurance
Waiting for medical treatment as an adult is frustrating enough, particularly when it hinders your ability to work and provide for your family. But when your child becomes ill or injured, you want to ensure that they are treated as soon as possible.
The NHS is a great service but with budget constraints and the pressure on healthcare professionals, getting treatment quickly can be incredibly difficult, both for children and adults alike. As a result, private health insurance can be a great way of alleviating this problem and getting quicker diagnoses, treatment and care from specialists who are conveniently located close to you.
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