A simples guide

What makes a good health insurance policy for my family?

Some people would have you believe that health insurance is a luxury item. While it’s true that we all have the NHS to fall back on should we need it, over 5 million people in the UK have taken the decision to get private health insurance.

With the strain on health resources and the NHS missing key targets, some people have decided that they want something extra in place in the unfortunate event of an illness in the family.

So, what should you look for?


First, check what’s included

While policies do differ from provider to provider, there are some elements that should be included in your family policy:

- Inpatient treatment: the costs of needing a hospital bed for tests, surgery or after care
- Outpatient treatment: the costs of seeing a consultant for diagnosis
- Hospital accommodation and nursing care

There are usually extra options that can be taken out to include such things as parental accommodation in the event of child illness, the use of exclusive drugs (not yet available on the NHS) or psychiatric treatment for example.

What’s included will vary significantly depending on how much you pay for your policy.
As well as what’s included, you also need to check to see if there are any caps on the costs covered, for instance for each condition or in a calendar period.

Understand what’s not covered?

Emergency 999 responses are handled by the NHS in the first instance.

Existing conditions will need to be disclosed and in some cases may not be covered. If this is important to you, you might be able to obtain some cover in some situations. It will depend on the detail and should be discussed with the insurer.

Additionally long term treatments such as dialysis or asthma may be restricted.

Normal pregnancy and non-essential cosmetic treatment are also routinely excluded.

Family on the beach
Love heart painted onto hand

Anything else I should check?

As with all types of insurance, you should always check the detail in the policy information.

Most policies will charge what is known as an excess. This is an amount of money that you will need to contribute before the insurer in the event of a claim. Varying the excess amount may be a way of reducing the premium you pay.

Is it easy to obtain?

With family private health insurance now widely available, it is very simple to find cover. You can use us to do the hard work for you if you like. All you need to do is enter your details along with those of your partner and children and we’ll do the number crunching.

We’ll present back the options and prices. Remember, don’t just accept the cover based on cost. Be sure to check what is included and excluded to make sure that you’re happy and that the cover is right for you and your family.

Compare life insurance

Get a life insurance quote and start saving now

Get a quote