Family Health Insurance

Receive the best medical treatment when you and your family need it most...

 

Why Family Health Insurance?

 

Choose Family Health Insurance to bypass NHS waiting lists and receive treatment promptly.

 

Peace of mind knowing there are no waiting lists, high standards of care and round the clock visiting hours.

 

Most policies cover parents staying overnight in hospital with a sick child at no extra cost, letting you be with your children when they need you most.

 

Access the latest proven drugs and treatments – even those not routinely available through the NHS.

 

Speak to our expert independent advisers or compare family medical insurance quotes online.

What is it for?
 

What Does Family Health Insurance Cover?

Family Private Health Insurance pays for private medical treatment. The scope of the cover provided can vary considerably depending on what options you select. The main types of cover you will find, however, are inpatient and outpatient treatment.

Inpatient and Day-patient Cover

Most family plans will cover inpatient and day-patient treatment in full. This means you’re covered for treatment where a hospital bed is required either overnight or just for the day. You’ll also get tests and scans related to your admission.

Outpatient Cover

This tends to be an additional option which you will need to select to cover initial consultations and diagnostic testing where a hospital bed is not required. Often either covered to a financial limit (£1,000) or covered in full, outpatient cover is recommended to avoid lengthy NHS outpatient waiting lists for diagnostic tests and scans.

What does it cover?
 

How Does Family Health Cover Work?

The level of cover and type of treatment required will determine the exact process but the main variation depends on whether the policy includes outpatient cover.

No Outpatient Cover

Private Health Insurance No Outpatient Process

With Outpatient Cover

Private Medical Insurance Outpatient Process

Without outpatient cover included in your policy, you and your family will need to continue using the NHS for your diagnostic tests and initial consultations.

How does it work?
 

Do We Need Family Medical Insurance?

Although the National Health Service (NHS) does a brilliant job with limited resources, thousands of families across the UK have decided they would rather be treated privately.

Why should I go private?

Private Health Insurance is a highly worthwhile product with a range of benefits for you and your family.

Those with private healthcare benefit from speedier diagnosis and treatments, the highest quality care, lower infection risks, en-suite rooms with Internet access and around-the-clock visiting times.

Choosing to take out a Family Medical Insurance plan ensures that you, your partner and your children will all receive the highest quality private healthcare when you need it in the most comfortable surroundings.

Do I need cover?
 

Your Key Options

Choose your level of outpatient cover

Although the level of outpatient cover can make a sizeable difference to the premiums, it does ensure that initial consultations and testing can be done privately.

Other options to consider…

 

  • Therapies cover – adds on cover for physiotherapy, osteopathy, chiropractic treatment etc.
  • Mental health cover – cover for psychiatric illnesses is normally an optional extra
  • Extended hospital lists – add more prestigious hospitals to the ones you’re eligible for treatment in, such as those in Central London
  • 6 week NHS wait option – reduce PMI premiums with this option, which means your cover only kicks in if the NHS wait for your treatment is over 6 weeks.
What are my options?
Compare Top 10 UK
 Health
Insurers
 
Takes approx. 60 seconds
Level of Cover
Excess
Date of Birth
Loading your options...
Thank you for using our Quote Tool
If you need some help, just call us!
T: 02074425880
Our in-house Experts are here to provide FREE impartial advice!
Our Experts can answer all your questions
Our Experts can send you more appropriate options based on your personal circumstances

Very important if you are either Self-Employed or a Company Director.

Our online quote tool is good but our Experts are better

Oue Experts have access to far more insurers and can often find a better deal offline.

Saves you time, let our Experts do what they are best at
 

In This Guide…

Andrew Jenkinson - Drewberry
Written by:
Alicia Hempsted
Content Manager at Drewberry
⏰  10 min read
 

What is Family Health Insurance?

Although the National Health Service (NHS) does a fantastic job given the tight resources available, it can sometimes struggle to provide fast care to those who need it.

With potentially long NHS waiting lists for treatments, many families can find their lives put on hold when a loved one is injured or falls ill. That’s why it can make sense to consider a Family Health Insurance policy.

Family Private Medical Insurance allows you and your loved ones to receive high-quality healthcare at the UK’s leading private hospitals, avoiding long waiting lists and getting vital treatments at a time and place that suits you.

With a large range of plans on offer, there should be something to fit with every family’s requirements and budget.

Need Help? Start Live Chat with our Experts  

Neil
Pensions Advice

Robert
Income Protection
Most Family Medical Insurance plans provide full cover for inpatient treatment

What Does Family Private Health Insurance Cover?

Family Health Insurance plans will cover you and your children if you are diagnosed with acute health conditions eligible for private treatment and/or care.

Family Health Insurance is designed primarily to ensure that you and your loved ones are able to access fast and efficient medical treatment if you are diagnosed with an acute health problem.

There are 3 types of treatments that can potentially be covered by a Family Medical Insurance plan.

Inpatient Treatment

Inpatient treatment are treatments that require at least one overnight stay in a hospital bed, such as surgeries.

Day-patient Treatment

Day-patient treatment will only require the use of a hospital room or bed during the day and not overnight. Minor surgeries, for example, can fall under this category.

Outpatient Treatment

Outpatient treatment are the types of treatments that do not normally require the use of a hospital bed at all. This can include certain therapies such as physiotherapy, as well as tests and consultations.

private health insurance coverage

Even the most basic Family Health Insurance plans provide full cover for inpatient and day-patient treatment. This means that if anything serious happens that requires a hospital bed or an overnight hospital stay you can rest assured that the necessary healthcare is there when you need it.

Outpatient treatment, on the other hand, is typically offered as an optional extra for an added premium. However, many families add it to their Health Insurance plan to ensure fast diagnosis of health problems.

Cancer Treatment

One of the biggest benefits to having Private Health Insurance is the fact that you get access to cutting-edge cancer treatment, including drugs that aren’t routinely available on the NHS because of cost.

Other cancer benefits on certain Health Insurance policies include:

  • The option to have chemotherapy at home rather than in a clinical setting
  • Money to cover wigs and prostheses required as a result of cancer treatment/surgery
  • Donations to a hospice should you need to stay in one to receive palliative care.
  • You may also get access to home nursing for a certain number of days, where a dedicated private nurse will come to your home to check up on you during your treatment.

Each different Health Insurance provider will have a different level of cancer treatment available, so if this is important to you and your family speak it is best to speak to one of our advisers who can help you compare the best provider policies on this aspect of cover.

Back to Top

Oliver did an excellent job in making the right recommendations. He's been very patient in dealing with my request and helping me choose the right product. Well done and thanks very much!

Jayant Rampuria
06/10/2018
Private Family Health Insurance plans provide you and your loved ones with fast, high quality medical treatment in private facilities.

Do We Need a Family Medical Insurance Plan?

Family Private Health Insurance can provide valuable protection for you and your loved ones in more ways than you might think. The most notable benefit is, first of all, the reduced waiting time for treatments.

At the end of March 2017, 1,529 UK patients waiting to start treatment after a referral had been waiting for more than 52 weeks. By the end of February 2018, 454,342 people still waiting for treatment from the NHS had been waiting longer than 18 weeks. The average wait time during this month was 6.6 weeks.

why family health insurance?

If you only need a minor procedure, this wait time may not be much of an issue to you. However, if you or a member of your family are suffering from a debilitating health problem that is affecting your quality of life – or, worse, preventing you from working and supporting your family – it is important that you are put on the road to recovery as soon as possible.

With a Private Family Health Insurance plan covering your loved ones, you don’t have to worry about waiting times. Once you have been referred for your treatment, you can begin making plans right away and your treatment can be performed in a matter of days as opposed to weeks or months.

 

Key Benefits of Family Private Health Insurance

As well as covering the cost of your treatments, Family Private Health Insurance has a range of additional benefits that can improve the quality of your family’s healthcare experience.

Parent Accommodation & Private Rooms

Most Family Medical Insurance plans provide around-the-clock visiting hours and parent accommodation, so you can stay close by when your children require treatment.

In an NHS hospital, accommodation isn’t always available to parents who want to stay with their children, however, this doesn’t have to be the case if you have private medical cover.

In private hospitals, parents with children under 16 receiving treatment are provided comfortable, private rooms where they can stay close to their children while still being able to get much needed rest. Private en-suite rooms are also available to patients, which gives families an element of privacy and gives visitors the freedom to come and go as they please.

With the routine optical benefit, your provider will cover the cost of some of your regular optical checkups and treatments.

Routine Dental and Optical Benefit

Some Family Health Insurance plans also provide the option of including routine dental and optical cover to your policy for an additional premium. While children can receive free cover from the NHS, adults and older children can benefit from inclusive dental and optical cover, helping them keep up with vital checkups.

Appointments to Suit You

Having a Health Insurance for your family allows you to arrange your medical appointments around your schedule rather than the other way around. You can arrange the time of your treatments, the hospital you receive them in, and sometimes can even pick out your own specialist.

Some Private Medical Insurance policies for families can even offer cover abroad. This means that if you and your family take a trip overseas or go on holiday and something goes wrong, you can still claim back the cost of receiving your medical treatment privately in a foreign hospital.

Additional Family Medical Benefits

Almost every Family Insurance plan offers a range of optional add-ons that can expand your cover to include a range of useful and valuable treatments. In particular, one of the most sought after cover options is Therapy Cover.

Certain therapies are in consistently high demand, which makes NHS waiting lists for these therapies frustratingly long and private therapy providers particularly expensive. But, with optional Therapy Cover, you and your family will be able to claim a certain number of therapy sessions on your plan. This can include physiotherapy, osteopathy and many others depending on the cover range of your provider.

Back to Top

Compare Top 10 UK Insurers
  Takes approx. 60 seconds
 - 
Need help? 
Call us on 
The cost of family medical insurance will depend on a range of factors relating to you and your policy choices.

How Much Does Family Health Insurance Cost?

A range of different factors will affect the cost of your policy which are linked to your personal circumstances as well as the policy options you choose. In particular, the following details will have a noticeable impact on the cost of a Family Private Health Insurance plan.

The cost of Private Health Insurance isn’t going to be the same for everyone because each family is different and will have different needs.

Age

The first and one of the most significant factors is age. Unfortunately with age we tend to get more aches and pains and inevitably require more treatment. The older you are the greater the chance of you claiming on the policy and the more expensive your premiums.

Location

The price of treatments in private hospitals across the UK isn’t always the same. In certain places like London, private treatments tend to cost more than in some other areas around the country.

Because of these differences in price, your living situation will impact the cost of your policy. If your local hospital list contains hospitals that are more expensive than others then you can expect to pay more for your policy.

Health

The health of you and your family will not necessarily have a direct impact on the cost of your policy however if you have pre-existing conditions it is likely these will not be covered on your policy.

On the other hand, healthy or unhealthy lifestyle choices you make will influence how your Family Medical Insurance policy is priced. If there are people covered by the policy who smoke or have an excessively high BMI, you can expect your premiums to be increased to account for their increased risk of claiming on the policy.

 

How to reduce the cost of Family Health Insurance

It is understandable that parents want the best healthcare for their children, partner and themselves. However, not everyone is able to afford the best Health Insurance policies on the market so it can be really useful to understand which areas of cover impact the premium the most and tailor your cover to ensure it is within budget.

Emma Wilson, Employee Benefits Consultant at Drewberry

To find out how much it could cost you can use our Private Health Insurance Quote tool to get instant quotes comparing the UK’s leading insurers.

Although it will give you a rough idea of cost it does not beat talking to an adviser who can ensure your policy meets all your requirements. To talk to an expert please don’t hesitate to pop us a call on 02074425880

Emma Wilson
Employee Benefits Consultant at Drewberry

If you are finding your family's Health Insurance policy difficult to afford, there are a range of cover options available to reduce the cost.

Outpatient Cover

One of the biggest factors that will effect the cost of your Medical Insurance policy is the level of outpatient cover. You can opt to place a monetary limit on your level of outpatient treatment that is covered or it can be covered in full.

Please be aware that limiting outpatient cover to £1,000 will reduce how comprehensive your policy is and might mean your policy may fall short of covering all your outpatient consultations and diagnostic tests should you require treatment, leaving you to either fund the shortfall privately or revert back to the NHS.

Excess

It is possible to add an excess to your family plan, excesses tend to range from £100-£1,000, the larger the excess the more it will reduce your premiums. For example, Family Medical Insurance premiums could be reduced by around 10% if you add an excess of £200.

6 Week NHS Wait Options

With a 6 Week Wait option added to your policy, you agree to have your medical treatments on the NHS if the waiting list is below 6 weeks. Otherwise you would go private straight away. Including this option could reduce premiums by around 20%.

Reduced Hospital List

Another option to help you achieve affordable Family Health Insurance cover is to choose a reduced or local hospital list. A reduced hospital list usually means limiting your hospital list to private wards of NHS hospitals or exclusively local hospitals.

Back to Top

Need Help? Live chat now and get an instant answer from our Experts...

Neil
Pensions

Victoria
Insurance
Compare Private Family Health Insurance plans from the top UK providers.

Compare 7 Best UK Family Health Insurance Companies

When comparing Family Health Insurance policies it is important that you look beyond the cost of a policy. This is because each provider offers something different that may or may not align with your family’s needs.

April

April

  • Core Cover: Full inpatient & day-patient cover, and full cover for cancer treatment with limited cover for wigs, prostheses, palliative care, and biological therapies.
  • Outpatient Cover: Full outpatient cover including full cover for diagnostic tests, consultations and scans, and £500 for physiotherapy  / Limited outpatient cover, including full cover for scans and £500 for diagnostic tests and consultations.
  • Optional Cover: £8,000 of psychiatric cover
  • Additional Benefits:  Full parent accommodation cover for one parent / 13 weeks of home nursing cover / private ambulance cover.
Aviva

Aviva

  • Core Cover: Full inpatient & day-patient cover, full home nursing cover, and full cover for cancer treatment with limited cover for wigs and prostheses.
  • Outpatient Cover: Full outpatient cover, including full cover for consultations, diagnostic tests, dental surgery, childbirth complications, and specialist-referred therapies, as well as £2,000 psychiatric cover / Reduced outpatient cover including full cover for pre-admission diagnostic tests and £1,000 or £5,000 cover for therapies, consultations, tests and outpatient treatments.
  • Optional Cover:  / limited routine dental and optical cover / limited mental health cover / limited cover for GP referred therapies.
  • Additional Benefits: Full parent accommodation cover for one parent / full private ambulance cover / full home nursing cover.
AXA

AXA PPP

  • Core Cover: Full inpatient & day-patient cover, limited outpatient cover for consultations and full outpatient cover for specialist-referred diagnostic tests and clinical practitioner charges,  full cancer cover and limited cover for wigs, prostheses, and hospice donations.
  • Outpatient Cover: Full outpatient cover including consultations, diagnostic tests, mental health treatments, and therapy cover.
  • Optional Cover:  Limited therapy cover / full mental health cover /  limited dental & optical cover / worldwide medical cover.
  • Additional Benefits: Full cover for parent accommodation for one parent / full private ambulance cover / limited cover for children’s speech therapy.
Bupa

Bupa

  • Core Cover: Full inpatient, day-patient, and cancer cover including full cover for diagnostic tests and scan, consultation fees and hospital charges,  and 28 days of mental health cover / Limited inpatient, day-patient, and cancer cover including limited cover for cancer treatments as well as limited cover for diagnostic tests and scans.
  • Outpatient Cover: Full outpatient cover including diagnostic tests and scans, post-treatment consultations, therapies, and mental health therapies / Limited outpatient cover including £500, £750, or £1,000 worth of outpatient treatments.
  • Optional Cover:  Prescription, optical, and dental cashback.
  • Additional Benefits: Full parent accommodation cover for one parent / limited mental health cover / Full therapy cover / full private ambulance cover.
The Exeter

The Exeter

Health Cover for Me Policy

  • Core Cover: Full inpatient, day-patient & outpatient cover cover including hospital fees, diagnostic tests, therapies, take-home medical aids as well as full cancer cover.
  • Additional Benefits: Full parent accommodation cover for one parent / full private ambulance cover / full home nursing cover/ full manipulative therapy cover.
Health-On-Line

Health-On-Line

  • Core Cover: Full inpatient & day-patient cover including hospital fees and consultations, and full/ limited cancer cover.
  • Outpatient Cover: Full outpatient cover including full cover for consultations, diagnostic tests and specialist-referred scans / Limited outpatient cover including 3 consultations per yer and full cover for diagnostic tests and specialist-referred scans.
  • Optional Cover: £1,000 outpatient mental health cover / £500 therapy cover / dental & optical cashback / worldwide medical cover.
  • Additional Benefits: Full parent accommodation cover for one parent / full ambulance cover.
Vitality

Vitality

  • Core Cover: Full inpatient & day-patient cover, full/ limited cancer cover including therapies, £100 palliative care cover and limited cover for wigs and prostheses.
  • Outpatient Cover: Full outpatient cover / Limited outpatient cover including £500, £750. £1,000, £1,250 or £1,500 worth of outpatient treatment.
  • Optional Cover:  Limited psychiatric cover / worldwide medical cover / full major & routine dental cover.
  • Additional Benefits: Full parent accommodation cover for one parent / full private ambulance cover / full home nursing cover / limited weight control surgery cover / 21 days rehabilitation cover.

 

Back to Top

Speak to Drewberry experts to learn more about Family Health Insurance and compare quotes.

Get Expert Family Health Insurance Advice

Nadeem Farid, Health & Wellbeing Expert at Drewberry

If you are still considering your options and want a chat or some personalised advice, please do not hesitate to give us a call.

We are here to make your life easier, whether that means providing more information, guidance or quotes from all the leading UK insurers.

Pop us a call on 02074425880 or get instant online Health Insurance quotes here.

Nadeem Farid
Health & Wellbeing Expert at Drewberry

Back to Top

Compare Top 10 UK
 Health
Insurers
 
Takes approx. 60 seconds
Level of Cover
Excess
Date of Birth
Loading your options...
Thank you for using our Quote Tool
If you need some help, just call us!
T: 02074425880
Our in-house Experts are here to provide FREE impartial advice!
Our Experts can answer all your questions
Our Experts can send you more appropriate options based on your personal circumstances

Very important if you are either Self-Employed or a Company Director.

Our online quote tool is good but our Experts are better

Oue Experts have access to far more insurers and can often find a better deal offline.

Saves you time, let our Experts do what they are best at

Frequently Asked Private Medical Insurance Questions

 
I have an existing health insurance plan however it is coming up to renewal and I would like to see if...
 
I’ve been looking to switch my company’s Business Health Insurance scheme due to some of...
 
My private medical insurance policy has come up for renewal and my premiums have increased. Am I able...
 
There are a number of good private hospitals in my area and I want to know if I can receive treatment...