Family Health Insurance

What does Family Health Insurance include?

• In/Day Patient treatments

  This aspect of the insurance covers acute conditions, where a hospital bed is required for the day or overnight. This is usually included in the ‘core’ cover of most private health insurance policies and covers the cost of treatment, accommodation, meals, care, drugs and dressings.
  

• Additional options

  Most family health insurance providers will allow you to include additional options to your policy. For example, alternative therapies, chiropractic, optical, dental, physiotherapy and psychiatric treatments.
  

• Outpatient treatments

  You will have the option to include outpatient cover as part of your family health insurance policy. Some providers may allow you to adjust the level of cover included, giving you flexibility over which outpatient treatments and diagnostic tests you can access.
  

• Cancer cover

  Your family health insurance policy may include a basic level of cancer cover as standard, but this will vary from provider to provider. Cover may include cover, surgery, radiotherapy, chemotherapy, hormone therapy and palliative care. Your family health insurance policy may also include additional cover such as experimental treatment, wigs, and prosthetics.
  

• Hospital lists

  The hospitals you will have access to for your family health insurance vary for each provider, however, locations may extend from local hospitals, to London-based hospitals, to country-wide ones- depending on your region. You can expect to receive access to hospital groups such as BMI, Nuffield Health, Ramsey and Spire hospitals. Central London hospitals are not always included in your standard family health insurance policy but may be included at an additional premium.