Health insurance for families
Family health insurance gives you peace of mind that your loved ones can access fast, high-quality private medical care whenever they need it. Whether it’s for unexpected illnesses, diagnostic tests, or specialist treatment, private health insurance helps your family access care without long NHS waiting times.
What is family health insurance?
Family health insurance (also known as family private medical insurance) allows you to cover multiple family members under one policy. Typically, this includes two adults and any dependent children — although some insurers offer flexible options for single-parent families or extended households.
A family policy makes it easier to manage everyone’s health protection together, often with cost savings compared to buying separate plans.
What does family health insurance cover?
While exact benefits depend on your chosen insurer and policy level, most plans include:
Consultations with private specialists
Diagnostic tests and scans (like MRI, CT, X-ray)
Surgery and hospital stays
Cancer treatment and aftercare
Access to virtual GP appointments
Some policies also include:
Mental health support and counselling
Physiotherapy and complementary therapies
How much does family health insurance cost?
The cost of family cover varies by your family’s ages, location, and level of benefits. There are a few ways you can lower your premium such as adding an excess, paying annually rather than monthly or limiting your hospital list.
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