Private Family Health Insurance in the UK
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Family Health Insurance
At Premier PMI, we offer family-focused plans to fit you. We provide access to quality private healthcare through an extensive range of healthcare products and services that ensure your family enjoys the best care possible at the best price, no matter what.
Whether you need coverage for hospital treatment, tests or surgery, we’ve got you covered. We know every family is unique, so we offer a range of unique family health insurance plans to meet all needs and preferences. We’ve taken care of many families’ health insurance so that they can get back to living life to the fullest. Your loved ones are safe with us.,
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Step 1. Answer a few simple questions
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Step 3. Get covered and start saving
Why Choose Us
We offer completely free and no obligation advice on Private Health Insurance. Our experienced advisors will take the stress away from you and do all the hard work in finding you the best Provider by comparing quotes with the top leading providers in the market. We have worked directly with AXA, Aviva, Bupa and Vitality for over 40 years, we have been tailor-making the best policies for our customers.
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What is family health insurance?
Private family medical insurance is a multi-member plan that covers your family rather than just one individual. It’s intended to safeguard the family from financial loss if and when the unexpected occurs. A comprehensive family health insurance plan can offer options, flexibility, and protection for your loved ones that come in handy when raising a family.
Family insurance plans are designed to provide coverage for you, your other half, and your children. As it covers every family member, you would not have to buy private health insurance for children or your wife/husband separately. Additionally, they are often tailored to all sizes of families. This means that your family cover can easily be amended if you’re planning on growing your family.
Why should I get family health insurance?
A private family insurance plan gives you the peace of mind that your loved ones will be taken care of if unexpected medical treatments occur. The plan ensures you won’t have to worry about financial costs and can instead focus on recuperating or tending to your family members.
Health Insurance Benefits
Reduced Waiting Time
Private medical Insurance offers the chance to reduce and avoid NHS waiting lists when it comes to diagnostics, tests and treatment.
Choice
You get the choice of choosing which hospital and specialist you’d like to see and be treated by, giving you more control over your plan.
Drug and Treatments
You can get access to the latest drugs and treatments, which are not yet routinely available on the NHS for your medical conditions
Private Room
Get treated in private hospitals with your private room, en-suit facilities, a-la carte menus and free parking.
Recovery and aftercare
Get quick access to treatments such as physiotherapy and mental health for a speedy recovery.
Specialists referral
Get a choice from the insurer for the best recommend specialist for your treatment or chose the specialist that makes you feel comfortable.
One often overlooked motivation for seeking out peace of mind offered by private family health insurance is the sparse or unsatisfactory service offered by the NHS. Should both you and your partner wish to enjoy the benefits of a broader policy that also covers your children, then family private health insurance coverage could be the right choice.
Additionally, when considering health insurance for children in the UK, it’s vital to assess how family private health insurance can provide more comprehensive coverage and specialist options for your children’s healthcare needs.
How does family private health insurance work?
Family private health insurance generally covers a range of acute conditions, not chronic conditions. Private Medical insurance works the same way as car, home, etc., insurance. Once you choose the right policy for you, you pay a monthly direct debit or annual premium. Depending on the excess on your policy, you pay once and can claim for treatment costs as many times as you want without paying any excess. Health Insurance is designed for you to be treated privately at a chosen clinic by a chosen specialist at a chosen time.
Any acute medical conditions accrued after you take out the plan will be treated immediately, and you will not have to wait to rely on the NHS waiting list. Just tell your GP to give you a referral so you can be seen privately. Like most insurance premiums, family insurance coverage can be revised and amended over time to suit your family’s changing needs and preferences.
Our expert says…
“Private Medical Insurance is becoming increasingly more popular due to the longer waiting times through the NHS and most people assume PMI will not be affordable given the increased cost of living over the past 12 months. However, as an independent broker with access to the leading UK insurers such as Aviva, AXA and Bupa to name a few, there are hundreds of variations available at any one given time and therefore policies can be tailor-made to meet their requirements and budget.“
– Stuart Hendy, PMI expert
How much does family health insurance cost?
While considering the best health insurance policy for a family, it’s important to note that some insurance plans are fixed, while others are variable, with payouts depending on the insured amount for your family. In terms of how much you can expect to pay monthly, many variables come into play, some of the most common being family size, family medical history, and lifestyle.
The overall cost of family health insurance depends on your insurer, your postcode, what’s covered on your policy, and your circumstances and current state of health. The age of those included under the plan can also vary the premium, with the figure rising with seniority. Examples of overage monthly premiums you can expect depending on the family size are calculated below:
Family of 3
| Insurer | Monthly |
|---|---|
| Aviva Health | £130 |
| AXA Health | £145 |
| Bupa Health | £148 |
| The Exeter | £142 |
| Freedom Health | £137 |
| Vitality Health | £128 |
Family of 4
| Insurer | Monthly |
|---|---|
| Aviva Health | £130 |
| AXA Health | £178 |
| Bupa Health | £189 |
| The Exeter | £168 |
| Freedom Health | £183 |
| Vitality Health | £171 |
Family of 7
| Insurer | Monthly |
|---|---|
| Aviva Health | £130 |
| AXA Health | £266 |
| Bupa Health | £242 |
| The Exeter | £257 |
| Freedom Health | £273 |
| Vitality Health | £208 |
The UK’s best providers of family health insurance
When considering family health insurance providers in the UK, several factors such as comprehensive coverage, affordability, and additional family-friendly benefits come into play. Here are some of the top providers known for their family health insurance offerings:
Here’s a comparison of some of the top health insurance providers in the UK, highlighting key aspects of their offerings:
- Aviva provides family-friendly policies where you pay only for the first child.
- Their plans cover inpatient and day-patient care, cancer treatments and include Virtual GP services.
- Aviva offers a range of outpatient cover options and has a variety of excess amounts available.
- Additional benefits include dental and optical coverage, mental health support, therapies, and options like a 6-week wait period to lower premiums.
- AXA offers comprehensive family health insurance plans with coverage for inpatient and day-patient care, cancer treatments, and Virtual GP services.
- They provide flexible outpatient cover options and a wide hospital list choice.
- AXA offers various excess levels to suit different financial situations.
- Additional benefits may include therapies, mental health support, dental and optical coverage, and worldwide travel insurance.
- Bupa offers comprehensive family health insurance plans that include both inpatient and outpatient care.
- They provide coverage for mental health treatments and therapies as standard.
- Family policies include options where you pay only for the first child, and all children are covered under the Extended with Central London hospital list.
- Bupa offers flexible excess options ranging from £0 to £5,000 per year.
- Additional benefits may include dental coverage.
Freedom Health
Freedom Health is known for its family-friendly policies and disregard of postcodes in pricing.
- They cover inpatient and day-patient care, cancer treatments, and Virtual GP services.
- Freedom Health offers options for outpatient cover and a range of excess amounts.
- Additional benefits include mental health support and therapies.
- Vitality offers innovative family health insurance plans with comprehensive core cover including inpatient and day-patient care, cancer treatments, and Virtual GP services.
- They provide flexible outpatient cover options and a choice of hospital lists.
- Vitality offers various excess amounts and additional benefits such as mental health support, dental, optical and audiology cover, therapies, and worldwide travel insurance.
- Vitality is known for its health incentives such as gym discounts, cinema tickets, discounts at certain retailers, and incentives like Apple Watch to promote healthy lifestyles.
What does and doesn’t family health insurance cover?
Family health insurance gives you peace of mind and covers multiple family members. The cover gives you the comfort of knowing that your family will not have to rely solely on the overstretched National Health System. Your health insurance coverage would allow you quick access to the best medical diagnosis, treatments, care, and aftercare. Depending on the level of coverage and type of policy you chose, some conditions could be covered, and some pre-existing medical conditions could be excluded.What is covered?
Most health insurance plans cover:
What is not covered?
Most health insurance plans will exclude:
Additional extras
You can add extras to your core cover and build the cover right for your family’s medical treatment. There is an additional cost for most add-ons to get further treatments. According to National Institute for Health and Care, mental health is important for your well-being. However, some options such as 6 weeks or reducing your outpatient cover will reduce your premium.
Dental & Optical
You can include dental, optical and audiology in your health insurance policy and claim some expenses back
Therapies
To tackle problems with back, joint and bone add therapies cover to your health insurance policy to get back on the move as quickly as possible.
Mental Health
Get Mental Health added to your policy to cover mental health conditions provide support and cover the cost of recovery.
Worldwide Travel
You can include Worldwide Travel Cover in your health insurance policy to cover you for medical emergency expenses while you are abroad
Protected NCD
You can protect your and your whole family’s no-claim discounts for an extra cost.
Six- Weeks Option
You can reduce your premium by adding a six-week option to your plan. You will be treated privately if the waiting time with NHS for inpatient treatment exceeds 6 weeks.
What should I consider before taking out family health insurance?
There are some questions you’ll need to ask yourself before making any concrete decisions on your family’s health insurance plan. Before inquiring about a quote from health insurance companies, you’ll first want to compare the family health insurance policies of various insurance providers.
Also, some family-focused plans offer broad coverage. With that being considered, there are some things to keep an eye out for when shopping around for the right private medical care for your family.
A good family health insurance policy includes the following:
- Inpatient Consultant fees and Inpatient
- Access to special treatments
- Online GP & specialist visits
- Semi-private/private rooms
Things to consider before taking you a family health insurance:
- Age, the cost of the premium is raised with age
- The type of treatment your family requires
- Hospitals that you would like to be treated, Private vs NHS hospitals
- Your family’s medical history alongside any existing medical health issue
Life Insurance vs Private Health Insurance for Families
When deciding between life insurance and private health insurance for your family, it’s important to understand their unique advantages.
Life insurance
provides financial security by offering a lump sum payment to your beneficiaries in the event of your death. This can help cover expenses such as mortgages, education costs, and daily living expenses, ensuring your loved ones are financially supported during a difficult time.
Private health insurance
On the other hand, private health insurance ensures timely access to specialist medical care and non-urgent treatments that may not be covered by public healthcare options. It can also offer higher-quality healthcare services and shorter waiting times for elective procedures.
Both types of insurance play crucial roles in safeguarding your family’s future and well-being.
Assessing your family’s specific needs, financial situation and priorities will help you determine which type of policy best suits your circumstances and provides the peace of mind you seek.
- Family life insurance plans for financial security after your death
- private health insurance for better healthcare access
How can I reduce the cost of family health insurance?
So, even if your plan was perfect for you when you first took the policy out, there may now be a more suitable – and affordable health insurance for family – plan available to meet your personal health needs. What’s more, your needs and preferences may have changed over time. That’s why it’s best to shop around well in advance of renewal. By inquiring about quotes and comparing premiums, you may find a lower-cost premium from different insurers that offer the best coverage for your loved ones.
Review your Plan
Many families have stuck with their insurance plans for years. However, considering the insurance market is highly volatile, the plan may no longer be the best fit for them. Providers regularly amend, add, and withdraw plans.
Review your lifestyle
Insurer like Vitality Health offers reduced premiums if you can prove you are a non-smoker, eat well, and regularly visit the gym.
Pay annually
Perhaps the easiest way to decrease your premium cost is to pay annually rather than monthly. Axa Health offers a 5% reduction from your annual premium if you pay the annual amount in one go.
Opt for the six-week option
With providers like Aviva Health, you can reduce your premium by agreeing to forgo private care for the NHS if your appointment is within six weeks of referral.
Take on a higher excess
You can reduce your monthly premium by taking on a higher excess. Excess is payable once a year not per claim. The average excess for family health insurance plans is £200 per person per year.
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You may also seek health insurance for your family through our experienced health insurance advisors. Our experts can help you with the best health insurance at the best price.
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