Private Health Insurance for Families

A family health insurance policy gives you the peace of mind that you and your loved ones will receive swift diagnosis and treatment if a condition arises. Most health insurance providers offer family plans and the flexibility to add members as you extend your family

Financial Conduct Authority Registered, FCA number: 919083

How does family health insurance work?

Just like individual health insurance plans family ones work the same. The first step will be to visit your GP, if you need further diagnostic tests these will be carried out under your health insurance policy.

Private health insurance is designed to work alongside the services the NHS offer, but has a major focus on providing fast treatment for acute medical conditions. You can still use all the services the NHS provide, but with increasingly stretched resources health insurance allows you to gain control over when and where you receive treatment.

As a private patient you will also receive your own room to recover in, unrestricted visiting hours and freshly prepared meals. It can also give you access to drugs and treatments that are not available on the NHS.


Health insurance provides treatment for acute conditions. These are conditions that considered short term and are curable. What you are personally covered for will depend on a new of factors such as if you are new to health insurance, what underwriting you choose and what cover levels you put in place.

It is always wise to check with your broker if you are unsure about whether a condition is covered or not. Generally speaking, the following are excluded on most health insurance policies:

  • Emergency treatment
  • Treatment required due to an act of war or terrorism
  • Fertility Treatment
  • Cosmetic surgery
  • Pregnancy and childbirth costs
  • Organ transplants
  • Treatment for alcoholism or substance abuse

Insurers generally cover children up until they reach 18 years old and sometimes beyond this if they are still in full-time education.

There are some medical insurance providers that provide child only plans. This means your child can have their own plan without adding a parent to the policy.