Family health insurance: protect the people who matter most

What is family health insurance?

Family health insurance is a health plan designed specifically to cover the needs of a whole household. These plans include stronger cover for paediatrics, gynaecology and maternity, and give you a financial advantage when you insure several family members on one policy.

Unlike taking out separate individual policies, family plans give you significant discounts and cover matched to each family member's stage of life.

What does family cover include?

Cover for adults

• Primary care and specialists: Medical appointments across every speciality.
• Diagnostic tests: Blood tests, imaging and advanced scans.
• Hospital stays and surgery: Full cover for admissions and procedures.
• 24h A&E: Emergency care for the whole family.
• Telemedicine: Online consultations to sort out questions quickly.

Cover specifically for children

• Full paediatrics: Development checks from birth onwards.
• Vaccinations: Cover for the vaccination schedule and additional vaccines.
• Children's eye and dental care: Regular check-ups and treatment.
• Paediatric A&E: Access to emergency services that specialise in children.
• Speech therapy and early intervention: Available on many family plans.
• Child psychology: Psychological support sessions for children.

Maternity and gynaecology cover

• Pregnancy monitoring: Appointments, scans and blood tests throughout the pregnancy.
• Antenatal classes: Preparation courses and sessions.
• Birth in a private hospital: Cover for the birth (natural or caesarean) at leading centres.
• Postnatal care: Follow-up for mother and newborn.
• Gynaecology: Annual gynaecological check-ups, smear tests and mammograms.

Advantages of family plans

Saving money

Insuring the whole family on one plan is cheaper than taking out individual policies. Discounts for a second adult and for children can save you between 5% and 15% on the individual price.

One place to manage everything

One policy, one point of contact, one bill. Managing the family's healthcare becomes far simpler.

Cover matched to each age

Family plans take account of what each age group actually needs: from paediatrics for the little ones to gynaecological check-ups for the adults.

Continuous cover

Children are covered from birth (with no waiting period for a newborn if the mother was insured during the pregnancy).

Who are family plans right for?

Couples planning to have children

Maternity cover matters here. Take out the policy before the pregnancy so the waiting period is behind you in time.

Families with young children

Children need frequent check-ups, vaccinations and the occasional unplanned trip to A&E. A family plan lets you see the paediatrician without worrying about the cost.

Large families

Discounts for each additional member make family plans especially good value for households with three or more children.

Single-parent families

Family plans are available for single-parent households too, with the same advantages and cover.

Things to bear in mind

• Maternity waiting periods: Usually 8 to 10 months. Plan ahead if you're thinking about having children.
• Maximum age for children: Some plans cover children up to 25-30 if they're still financially dependent.
• Optional cover: Think about whether you need add-ons such as family dental cover or travel assistance.
• Paediatric network: Check the plan includes paediatricians and children's centres in your area.

Frequently asked questions

Can I add someone to the family policy? Yes, you can add new members at any point: a new baby, your partner or a dependent relative. Newborns are usually added with no waiting period.

What if one family member wants to leave the policy? Each member can leave individually without affecting cover for everyone else.

Can children stay on the policy once they move out? It depends on the plan. Some allow children to stay until they're 25-30, even if they no longer live at the family home.