Family Health
Our family health insurance plans provide comprehensive coverage for every member of your family, from children to adults, with benefits designed to meet your family’s unique healthcare needs across the UK.
- Coverage for all family members under one policy
- Access to private hospitals and specialists for the whole family
- Fast-track diagnosis and treatment options
- Mental health support for all ages
- Family discounts compared to individual policies
Insurance Cover
Individual health insurance typically covers inpatient treatment, day-patient treatment, outpatient consultations, diagnostic tests, and specialist referrals
Virtual GP Services Available
Convenient Online Access: Many UK health insurers now offer virtual GP services as part of their policies, allowing you to speak with a qualified GP from home or work, often within hours.
Comprehensive coverage designed around your unique healthcare needs and budget. Whether you’re looking for basic coverage or a premium plan with extensive benefits, we’ll help you find the perfect match.
Peace of Mind is only a phone call away
Most UK health insurance providers allow two adults and any number of dependent children to be included on a family health insurance plan. A dependent child is typically defined as under 21 years of age or under 24 if in full-time education. Some insurers offer more flexible arrangements for larger or blended families. We’ll help you find a policy that accommodates your specific family structure.
Basic family health insurance typically doesn’t include routine pregnancy and childbirth expenses. However, some comprehensive policies may cover certain pregnancy complications. Several insurers offer maternity add-ons or specific plans that include prenatal care, private delivery suites, and postnatal support. These usually have waiting periods of 10-12 months before maternity benefits can be used, so it’s best to plan ahead.
Yes, many insurers offer modular family plans where you can select different levels of coverage for different family members. This allows you to tailor the policy to each person’s specific healthcare needs and helps control costs. For example, you might choose comprehensive coverage for a family member with specific health concerns while selecting a more basic level of cover for other members.
Yes, most health insurers offer family discounts compared to the cost of purchasing individual policies for each family member. These discounts vary by provider but typically range from 5-15% off the combined individual premium costs. Additionally, many insurers offer free coverage for children when both parents are insured, or significantly reduced rates for adding children to a policy. Our advisors will help you find the most cost-effective family coverage options.
When children reach the maximum age for dependent coverage (typically 21-24 depending on the insurer), they will need to transition to their own individual health insurance policy. Many insurers offer continuation options that allow young adults to transfer to their own policy without new medical underwriting or waiting periods. This ensures they maintain continuous coverage for any conditions that were covered under the family policy.