Safeguarding the health of your family through private medical insurance can help you bypass NHS waiting lists and give your loved ones’ access to the latest medical treatments and technologies.
Read on to find out more about Family Medical Insurance and how it can help you manage the costs of healthcare.
Family medical insurance is a policy which includes a care for partners/spouses and dependents.
The premium contributions are designed to pay-out when you, or a member of your family, claims for private healthcare treatment, up to a specified limit.
Insuring your family’s as well as your own medical costs can also be done through a Health Cash Plan. This is a plan where you pay for treatment and then claim some, if not all, of the costs back.
If you have a growing family, you may want to help yourself manage the costs of regular checks, such as dental and optician’s appointments.
Your premiums calculation, like with any health insurance policy, will be worked out from a number of factors. When choosing a plan, you should consider;
There is a huge amount of diversity in the health insurance industry. This means that you should be able to find a comprehensive plan to suit your family’s needs. You can also look at more basic plans, where a limited number of services are included in the monthly premium price. Some of the things covered in a family health plan may include;
Clara is 33 and has a partner and two children under 8 years old. She has researched health plans online and has found a policy that would charge her around £12 a month in premiums for her private healthcare treatment only. If she were to add her children to the plan, her costs would go up to around £17 which is still very affordable for her. However, Clara would like her partner covered with the same plan, for ease of paperwork and budget management. She was able to find a plan for herself, her partner and two children for around £32 a month in premiums.
If you would like to find out more about Family Medical Insurance and you would like to see a free, no-obligation quote for your needs, get in touch with an advisor now.
Quick friendly service. I was quite confused about what my family and I required but the policy options were quickly clarified and I got a great price and top service. Emily Thompson, Bath
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* Medical insurance from 95p per day is an illustrative figure only and may not be available to you. The figure is based off of a 25 year old with no previous health issues taking up a Priority Health policy from Health-on-Line with a £100 excess. Figure accurate as of 17/08/2016.
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