Family Health Insurance

What is family health insurance?

Family health insurance covers the cost of private medical treatment should you or your children need it.

What does it cover?

Family health insurance policies differ depending on the insurance provider and the level of cover you choose to take out. There are generally three different levels of cover:

  • Basic – basic policies tend to cover the cost of inpatient treatment and costs of your hospital stay too.
  • Medium – medium policies include the same cover as basic plus costs of outpatient treatment also. Such as the cost of seeing specialists and consultants and the cost of follow up tests.
  • Comprehensive – comprehensive cover is generally more expensive but they’re likely to cover more conditions and treatments and they offer cover mental health conditions.

In addition to this, family health insurance policies might also include the following benefits:

  • Hospital stays for parents if their child has to stay overnight
  • Private ambulances
  • Access to virtual GPs – even if you’re abroad
  • Private medical helplines
  • Home nursing

What’s not covered?

Most health insurance policies exclude pre-existing conditions or chronic conditions like high blood pressure, arthritis and Crohn’s disease. Although some insurance providers will cover pre-existing conditions if you’ve not experienced symptoms for five years. All cosmetic treatment is excluded.

What are the pros and cons of family health insurance?


  • Less paperwork as you only have one policy to deal with
  • Includes cover for the entire family
  • Faster access to consultants, tests and treatments
  • Choice of what private hospital you’d like to be treated at
  • Private hospitals usually have better amenities


  • Premiums might cost more if a member of the family has a pre-existing medical condition
  • Not all conditions are covered
  • Your premium might increase if you move house as your location affects the cost

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