There are a few reasons why you might choose family private health insurance if you suffer an illness or need treatment (though you’ll still need to go to an NHS A&E in an emergency):
Shorter waiting times
Faster diagnosis and treatment
Private rooms
A choice of hospital and surgeon
Potential access to medication or treatments unavailable on the NHS.
You can add your partner and children to your policy so the whole family is covered. This can be cheaper than buying individual cover for each family member.
If you already have a joint policy with your partner or spouse, it can make sense to opt for family health insurance if little ones come along.
Family health insurance can give you easier access to inpatient treatments (e.g. surgery involving an overnight stay) day patient (e.g. a small surgical procedure but you go home same day) and outpatient treatments (e.g. consultations or tests). While it’s unlikely to cover treatments for pre-existing conditions, you may be able to amend your policy for more cover.
The cost of private health insurance will vary depending on your needs, but there are various ways to bring your premium down. Provide a few basic details to compare quotes with us.
What our expert says...
“There’s nothing more important to us than our family’s health. The NHS is a national treasure, but the wait for an appointment can be excruciating. With private health insurance for your family, you could cut down on waiting times and get access to treatment that might not be available on the NHS. And not having to wait to get your child the care they need is a huge win for parental peace of mind.
“Family health insurance in the UK can be quite flexible, so you can build the policy you want. You often have the option to add in useful extras – such as dental cover – and take out what you don’t need – a wider choice of hospitals, for example. And you could benefit from rewards, such as discounted gym memberships, to help you and your family stay healthy together.”