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Family Health Insurance

Protect your family with a health insurance plan that covers your loved ones' private medical treatment. Get a no-obligation family health insurance quote in minutes and purchase online securely today.

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What is a family health insurance plan?

UK family health insurance works similarly to an individual health insurance plan, but instead of getting separate health insurance policies for each member of your family, you pay for a single policy that covers you, your partner and all your children. (Children have to live at the same address as the policyholder and be under the age of 25.)

A family private health insurance policy will generally cover the costs of private medical treatment for your family members when developing illnesses and acute conditions after the start date of your policy. 

Essentially, family medical insurance will give yourself and members of your family protection in the event of someone falling ill and requiring medical support and treatment. Private medical insurance allows you to bypass the long NHS waiting times so you can get the treatment and medical attention you need quickly and easily. 

Find out more about how you can cover your loved ones with health insurance by getting a family medical insurance quote or purchase online today.

Family health insurance plans tailored to you

Here at Freedom Health Insurance, we offer UK health insurance plans that can best suit you and your family’s needs. Each of our plans provides a range of medical cover benefits that make sure that you and your loved ones are secured against any unexpected health emergencies. To find out more about our health insurance plans for families, simply click on our different health insurance plans below:

Freedom Elite Health Insurance

Freedom Essentials Health Insurance

Benefits of family private health insurance

Similarly to an individual medical plan, a family private health insurance policy usually includes cover for inpatient and day-patient treatment, cancer cover and a range of optional benefits such as outpatient cover, mental health care or alternative therapies. Furthermore, family health insurance comes with some additional benefits and features that can help you take better care of your loved ones should they fall ill. 

Pregnancy complications

A miscarriage or a birth complication can be an emotionally intense experience for a family. Some family health insurance plans provide cover in case of pregnancy complications including loss of pregnancy or emergency Caesarean sections . A waiting period may apply after the start of your policy before you can take advantage of this benefit.

Newborns added to the policy after birth are covered from day one

You can often add a newborn baby to your family health insurance policy (within a certain time frame) without normally having to provide any medical history. This means that your baby will be covered for any medical conditions after birth (excluding congenital diseases).

With some insurance companies such as Freedom Health Insurance, you will also receive a maternity cash benefit for each child born after your policy’s start date. A qualifying period usually applies.  

Adding multiple children to your policy at no extra cost

Some health insurance companies may allow you to add multiple children to your family health insurance policy at no extra cost.

With Freedom Health Insurance, family policies with three or fewer children will only pay for their first child. For our larger families, rest assured that the maximum charge is capped at four children.

Family health insurance can be a more affordable option

A family private health insurance will allow you to cover multiple family members under a single, often more affordable policy rather than having to pay for individual policies for yourself and each dependent. 

You can choose to pay for your insurance policy monthly or annually. If you opt to pay annually on your Freedom Health Insurance policy, you can save 6% on your premium. 

Cover your children over 18

Many family private health insurance plans will continue to cover your children even after they turn 18. Freedom Health Insurance will cover your children up until their 25th birthday. 

Accommodation for a parent when your child is in hospital

When your child is in hospital, being apart from each other can add extra pressure on you and your child. Several family health insurance plans will allow a parent to accompany their child in the hospital and their accommodation cost will be covered by the health insurance policy (age limits may apply). 

Home nursing

No matter who in the family needs care, having a family health insurance plan that covers home nursing following your treatment means less time spent in the hospital and more time spent at home with your loved ones.

With our Freedom Elite policy you can get cover for home nursing for up to 13 weeks (terms and conditins apply).

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What you should know before you buy family health insurance

A family private health insurance plan can be highly beneficial for your family, but here are some things you should take into consideration before buying:

Family health insurance doesn’t pay for childcare

Childcare is a domestic cost and it is not covered by family medical insurance even if you were ill during the time it was needed.

Pregnancy and childbirth are not covered

All UK family health insurance plans exclude pregnancy and childbirth from their cover, but some may cover pregnancy complications.

You can cover your partner’s children if they live at the same address as you

The children on your policy don’t have to be your biological children. If your partner has children of their own, but live at the same address as you, they can receive the care and medical treatment they need and be covered by your health insurance policy.

You can still use the NHS even if you have a family health insurance cover

Having private health insurance doesn’t take away the right of any of your family members to get free healthcare through the NHS so you can still access their services. 

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Quickly start your health insurance application

Apply for private medical insurance now and we will get back to you with a free, no-obligation health insurance quote for the cover that best suits your needs.

How much does family health insurance cost?

Your family health insurance premium usually depends on several factors such as:

  • the number of people covered,

  • the age of the people covered,

  • your location,

  • your policy options (such excess),

  • payment frequency,

  • your policy cover (i.e. the optional benefits selected).

Find out how much your family health insurance policy would cost and customise it with the health benefits you want. Purchase online when you’re ready.

Family Health Insurance FAQ

How can I get private healthcare insurance for my family?

Here at Freedom Health Insurance, we’ve made the process of getting family health insurance easy. Simply go to our online quotation tool and get a family health insurance quote for the level of cover which best suits your needs and you can even complete the application online to get yourself and your loved ones covered.

Can you put non-family members on your health insurance?

You can only add dependents to your family health insurance policy which includes your partner and/or children (the children do not have to be biologically yours) who normally live at the same address as you.

Why buy family private health insurance?

Whilst the NHS provides a valuable healthcare service in the UK, the long waiting times are not ideal for those who need quick and comprehensive medical care. This could lead you to taking out family private health insurance to better protect your loved ones’ health. Here’s how you can benefit from having a family private health insurance plan:

  • Shorter waiting times

  • Quicker diagnosis and medical treatment

  • Access to private hospitals and facilities 
  • Potential access to medication which is not available on the NHS 

These benefits ensure that should a family member fall ill, they can get the support and treatment they need to recover quickly.

How does family private health insurance work?

If you or a member of your family falls ill, you should visit your GP who may refer you to a specialist for diagnosis or further treatment. At this stage, you should contact your health insurance provider to make a claim if you decide to get private medical treatment under your family medical health insurance plan.

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