What is family health insurance?

Family health insurance is a valuable safety net for your family's wellbeing. It gives you peace of mind about the people you love, with faster access to quality healthcare when you need it for many conditions.

You pay a regular monthly or annual premium for one policy that covers your immediate family - you, your partner and your children. If someone falls ill or needs medical care for eligible conditions, it helps you avoid NHS queues and get treated sooner.

What’s covered will depend on the plan you choose. It can cover everything from one-off visits with a private GP, to specialist treatment and hospital stays.

Page updated on 25th September 2025, Reviewed by Richard Groom