Health insurance for families

The UK is one of the few places in the world with a publicly funded health service – the NHS – and yet every year many people choose to take out private health insurance for themselves and their family. Why do they choose to do it and should you consider taking out health insurance for your family? Here we discuss some of the facts about health insurance for families.

What is it?

Family health insurance is a form of private medical insurance that covers an individual and their dependents, such as a spouse or children. It allows you to avoid waiting NHS waiting lists and receive fast-track consultation and treatment for short-term medical problems. The treatment occurs privately in an NHS hospital or in a private hospital.

What does it cover?

Standard private health insurance plans tend to cover surgery, consultations, nursing and hospital care, but exclude treatment for ongoing conditions. There are a huge range of insurance plans available, ranging from basic to more comprehensive cover. What is covered in a health insurance plan varies from insurer to insurer, so be sure to check your policy to find out what you can get cover for.

Some employers offer private medical insurance as a perk for their staff, which can also cover families. As with any insurance plan there will most likely be exclusions with regards to what you're covered for.

You can read more about the health insurance options available for you and your family here on InsureMe-on-Line.

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