Family health insurance helps you look after your family’s healthcare needs by offering an affordable way to access private medical treatment quickly and offers protection against paying high medical bills. From diagnosis to treatment, you can ensure that yourself, your partner and children are kept happy and healthy should medical attention be required.
How does family health insurance work?
With family health insurance, you can claim for private medical treatment for every member of your family covered by the policy. If your claim is approved, the insurer will arrange for payment of your medical treatment either directly with the hospital/consultant or by repaying you for any incurred costs. Generally, claiming on your family health insurance policy could involve the following steps:
- Seeing your GP who might refer you to a specialist
- Starting your claim with the health insurance company
- Getting your treatment which will be paid partly or fully by the provider
What does family health insurance cover?
Family health insurance usually covers the cost of diagnosis and medical treatment for acute conditions that any of the insured members develop after the start date of your health insurance policy. Acute conditions refer to illnesses or injuries that arise unexpectedly and can be fully treated during a short period of time, bringing the patient to the same state of health as before the acute condition started.
Some common costs that may be covered by a family health insurance plan include, but are not limited to:
How can I get health insurance for my family?
Arranging health insurance for your family is simple and can be done online or over the phone by applying directly with the insurer or through a specialist health insurance broker who can compare several insurance providers and offer personal specialist advice.
Find out more about how to purchase family private health insurance.
Who can I add to my family health insurance?
Family health insurance can cover you and your immediate family members such as your partner and your children up to a certain age, usually 21 years old, after which they have the option to move to their own health insurance policy. With Freedom Health Insurance, children can remain on a family health insurance up to 25 years old so long as the dependent is on the policy on or before 24 years old.
Can you add a family member to a health insurance policy?
You can usually add new members to your policy such as newborns, older children or a partner at any time, although your premium will most likely increase as a result.
How much does private family health insurance cost?
Your family health insurance cost is calculated based on your personal circumstances as well as other industry factors. Some of the most common things that can influence your family health insurance premium are:
Find out how much your family’s health insurance policy would cost by getting a quick online quote. To find out more information about family health insurance, its benefits and what you should know before buying, please visit the family health insurance page.
What are the benefits of having family health insurance?
Having private family health insurance can have many benefits, including:
Why not take a look at our blog ‘Is private health insurance worth it?’ to help you understand why private health insurance could be a good option for you and your family.
We hope you now feel more confident about getting a family health insurance plan. If you have any further questions, please do not hesitate to contact us and a member of our friendly team will be happy to help. You can get a family health insurance quote here.
Disclaimer: The information contained on this page is for general information purposes only and should not be taken as advice or a recommendation. If you require specific health insurance advice you can talk to an independent insurance broker. Click here for a list of health insurance brokers available in your area.