Family Health Insurance

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

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).

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.

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)

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.