Family Health Insurance

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Family Health Insurance, also known as family protection or family health coverage, is a type of insurance policy designed to safeguard the well-being of you and your loved ones by providing financial support for medical expenses.

It is an investment in the health and security of your family, offering a safety net that ensures timely access to healthcare services when needed most.

Family Health Insurance typically covers a wide range of medical services, including inpatient and outpatient treatments, surgeries, specialist consultations, diagnostic tests, prescription medications, maternity care (if chosen), emergency care, and even mental health services in some policies.

This comprehensive coverage empowers you to make informed healthcare decisions and seek the best available treatments without worrying about the financial burden.

MediCompare understands that choosing the right Family Health Insurance policy is a significant decision, and we are here to assist you in making an informed choice. By filling in our free quote form, you will be put in touch with one of our expert team of insurance advisors.

They will take your needs into consideration and match you with the most suitable package, even sending you a free quote directly to your inbox, no subscriptions needed.

Finding the most cost-effective policy is crucial. Our platform helps you identify policies that offer comprehensive coverage at competitive prices, potentially saving you money while ensuring the protection your family deserves.

Our team of experts is available to answer any questions you may have about Family Health Insurance, policy details, and the insurance process. We are committed to assisting you every step of the way.

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What is Family Health Insurance, or Family Protection?

Family Health Insurance is a type of insurance policy that provides financial protection and access to private healthcare services for your family in case of illness, injury, or medical emergencies. It covers a range of medical expenses and ensures that your loved ones receive timely and high-quality medical care.

It is also known as:

  • Family Medical Insurance
  • Family Healthcare Coverage
  • Family Protection
  • Family Protection Trust
  • Family Protection Plan
  • Family Health Insurance
  • Family Health Scheme
  • Family Health Assurance
  • Family Health Cover
What is Family Health Insurance, or Family Protection

Do I Need a Family Protection Plan?

You are not legally required to have a family protection plan to safeguard your family’s health and well-being, but you may benefit from one. To decide whether you want to consider this option, you can take a look at the benefits and drawbacks of this type of coverage:

Pros of Family Protection Plans:

  • Quick Access to Medical Care: Family protection ensures that you and your loved ones receive medical attention as soon as you need it, reducing waiting times for consultations, treatments, and surgeries.
  • Choice of Healthcare Providers: You have the flexibility to choose your preferred doctors, specialists, and hospitals, enabling you to receive care from healthcare professionals you trust.
  • Comprehensive Coverage: Family protection typically covers a wide range of medical services, including inpatient and outpatient treatments, surgeries, diagnostic tests, prescription medications, and more.
  • Financial Protection: It acts as a financial safety net, covering the majority of your medical expenses and preventing unexpected healthcare costs from causing financial strain.
  • Peace of Mind: Knowing that your family’s health is secured brings peace of mind, allowing you to focus on their well-being without constant financial worry.
  • Preventive Care: Many policies cover preventive care, such as routine check-ups and vaccinations, which are essential for maintaining your family’s health.
  • Specialised Treatments: Family Health Insurance often covers specialised or cutting-edge healthcare services, ensuring access to the best available care for serious medical conditions.

Cons of Family Health Insurance:

  • Cost: Premiums for Family Health Insurance can be relatively high, and the cost may increase as your family grows or ages. Balancing coverage with affordability can be a challenge.
  • Exclusions and Limitations: Policies may have exclusions or limitations on coverage, such as certain pre-existing conditions or elective procedures like cosmetic surgery.
  • Waiting Periods: Some policies impose waiting periods for coverage of pre-existing conditions, which means you may have to wait before receiving benefits for these conditions.
  • Policy Complexity: Understanding the terms and conditions of insurance policies can be complex. It’s crucial to read policy documents thoroughly to avoid surprises when making claims.
  • Redundancy with NHS: The UK’s National Health Service (NHS) provides free healthcare services to residents. Some may find it redundant to have private insurance alongside the NHS, even though both services can be used in conjunction with one another.
  • Premium Increases: Premiums tend to increase with age and may become less affordable as you get older, making long-term planning and budgeting essential.
  • Claims Process: Filing and processing claims can be time-consuming and require proper documentation. Delays or disputes can add stress during an already challenging time.

Who Is Eligible for Family Health Insurance?

Family Health Insurance policies in the UK typically cover the policyholder (usually the head of the family) along with their spouse or partner and dependent children. The age and eligibility criteria can vary between insurance providers, but it often includes children up to a certain age (e.g., 18 or 21) and may extend coverage for full-time students until they reach a specified age (e.g., 25).

How Does Family Protection Work?

When you have a Family Health Insurance policy, you pay regular premiums to your chosen insurance provider. In return, the insurer covers eligible medical expenses as per the policy terms and conditions. When you or your family members require medical care, you can seek treatment from private healthcare providers and submit claims to your insurer for reimbursement or direct billing, depending on the policy.

What Do Family Health Insurance Plans Cover?

Family Health Insurance can cover a range of medical expenses, including but not limited to:

  • Inpatient and outpatient treatment
  • Specialist consultations and diagnostic tests
  • Surgical procedures
  • Prescription medications
  • Emergency care and hospital stays
  • Maternity care (optional, depending on the policy)
  • Mental health services (optional, depending on the policy)
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How Can I Choose a Good Family Protection Scheme?

If you are searching the market by yourself, consider the following factors:

  • Premium cost: Ensure it fits your budget.
  • Coverage: Check what medical services are included.
  • Exclusions and limitations: Understand what is not covered.
  • Additional benefits: Look for extras like dental or maternity coverage.

However, you can also get a quote through MediCompare. If you fill in our form, one of our advisors will match you with a plan that suits your needs, comparing the whole market to get the best deals.

What Is the Waiting Period for Family Health Insurance?

Typically, there is a waiting period for pre-existing conditions, which can range from 2 to 5 years. During this period, expenses related to those conditions may not be covered. However, coverage for other medical issues usually begins immediately or shortly after policy inception. Waiting periods can vary between insurance providers and policies.

How Much Is Family Health Insurance in the UK?

The average cost of a Family Health Insurance policy in the UK is £139.37 per month, for a family with two adults in their 40s and two children under 15. However, the cost of your Family Health Insurance will depend on:

Number of Family Members

The more family members you include in the policy, the higher the premium is likely to be.

Age of Family Members

The age of family members also plays a role in determining premiums. Older individuals typically pay higher premiums.

Health History

The health of your family members can impact the cost of insurance. If you or your family members have pre-existing conditions, this can affect premiums.

Level of Coverage

The extent of coverage you choose will affect the cost. Comprehensive coverage with a wide range of benefits will generally come with higher premiums.

Optional Add-Ons

Some policies allow you to add optional coverage, such as maternity coverage or dental coverage, which will increase the premium.


Healthcare costs can vary by region in the UK, which may also influence the cost of insurance.

Insurance Provider

Different insurance companies have different pricing structures and may offer varying rates for similar coverage.

Policy Deductibles and Excess

Higher deductibles or excess amounts can lower your premium but will require you to pay more out of pocket when you make a claim.

Policy Term

The length of your insurance policy, whether it’s an annual plan or longer-term, can impact the premium.


Some insurers offer discounts for paying annually, having multiple policies with the same provider, or maintaining good health practices.

Are Sports Injuries Covered Under Family Protection Plans?

Not always. Certain health insurance providers may exclude coverage for activities considered high-risk, such as surfing, skydiving, or rock climbing. Additionally, if you or a family member engage in professional sports, it is unlikely that such activities will be covered.

However, if a family member participates in amateur team sports, like football or rugby, they might have coverage through their club. If your family participates in a lot of sport, you may want to consider sports team insurance or health insurance for professional athletes.

Where Can I Get Family Protection Insurance Quotes?

MediCompare’s team of expert insurance advisors can match you with the perfect plan to fit your needs. To get the best, most accurate information, let us know key details such as:

  • The number and ages of the family members you want to insure
  • What sort of coverage you would like
  • If you or any family member is a smoker.
  • The maximum excess you would like to pay

Fill in this form and one of our team will get back to you as soon as possible.

Do Family Health Insurance Policies Cover Vaccinations and Preventive Care?

Yes, Family Health Insurance policies often cover vaccinations and preventive care, such as regular check-ups and screenings. These services are essential for maintaining your family’s health and preventing illnesses.

Are There Any Tax Implications for Receiving Medical Benefits Through Family Health Insurance?

No, edical benefits received through Family Health Insurance are typically not subject to income tax. However, it’s essential to consult with a tax advisor or HM Revenue & Customs (HMRC) for specific guidance on your tax situation.

Does Family Protection Cover Emergency Medical Treatment While Traveling Abroad

Does Family Protection Cover Emergency Medical Treatment While Traveling Abroad?

Yes, sometimes Family Protection policies may offer some coverage for emergency medical treatment while abroad. However, this coverage can vary widely between policies, so you should still check your policy documents and consider additional travel insurance for comprehensive protection when traveling abroad.

Does Family Protection Cover Grandparents?

Family Protection policies typically cover the policyholder, their spouse or partner, and dependent children. It usually does not include extended family members like grandparents. However, you can inquire with your insurance provider about options for additional coverage if needed.

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What Happens if I Want to Cancel My Family Health Insurance Policy Mid-Term?

If you wish to cancel your Family Health Insurance policy before its renewal date, you can contact your insurance provider to initiate the cancellation process. Some providers may charge a cancellation fee, and you may not receive a refund for premiums already paid.

Can I Get a Family Health Insurance Policy for My Adult Children?

In most cases, Family Health Insurance policies cover dependent children only up to a certain age (e.g., 18 or 21) or until they finish full-time education (e.g., up to age 25). If your adult children are no longer considered dependents, they may need to obtain their own health insurance coverage.

What Is the Difference Between Private Healthcare and Family Health Insurance?

Private healthcare refers to paying for medical services out of pocket or through private health providers without insurance coverage. Family Health Insurance, on the other hand, is an insurance policy that covers a portion or all of the costs associated with private healthcare services, making it more affordable and accessible for your family.


Our dedicated team will get in touch with you on the same day and provide you with a quotation.

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