What is family health insurance?
Family health insurance, often referred to as private medical insurance (PMI), provides you and those closest to you with access to the UK’s private healthcare services.
- Benefits of family health insurance
- You and your loved will be treated at a time that suits you
- Avoid potentially long delays on NHS waiting lists
- Access to the latest treatments and drugs, even those not currently available on the NHS
- Overnight accommodation for parents whose children (that are covered by the policy) are admitted for inpatient treatment.
What does family private health insurance cover?
Family private health insurance will only cover the cost of acute conditions, meaning those which are short term and curable, and not long term, incurable chronic conditions. As each provider, their policies and cover are different, it’s always best to speak to one of our specialists and get free advice on which provider will be best for you before making a decision.
All family health insurance policies will cover the cost of treatment where a hospital bed is needed. Basic health insurance policies will often only offer inpatient cover, while more comprehensive policies will cover outpatient services too.
Outpatient cover pays for some or all of the costs relating to acute conditions that don’t require a hospital bed. The most comprehensive policies will typically cover you for all of your outpatient diagnosis, consultations and treatments.
What is not covered by family private health insurance?
What isn’t included under your family's health insurance will vary from between each provider and their policies, but consistently you’ll find that the following aren’t included in your cover
- Pre-existing conditions
- Chronic conditions
- GP services
- Emergency services
- Normal pregnancy