Frequently Asked Questions
Some family medical insurance policies may allow you to add cover for things such as:
- Dental and optical care
- Cancer care
- Mental health care
- Maternity and childbirth care
- Physiotherapy
However, this is dependent on the insurer, and premiums may increase when adding extra cover.
What is family medical insurance?
Family medical insurance is a policy that covers a whole family under one policy, allowing you to cover the cost of eligible medical treatments.
Compare options from UK insurers today basedon the cover and budget you have in mind
Is family medical insurance worth considering?
Did you know that the NHS waiting list stood at around 7.11 million? There are many reasons families take out medical insurance, and the NHS waiting list may be one of them.
Having family medical insurance in place gives you peace of mind, knowing you have faster access to treatment and can avoid delays
Are pre-existing conditions covered in family medical insurance policies?
If someone in your family has a pre-existing condition, you can still enrol in a family medical insurance policy. Some policies may exclude cover for pre-existing conditions, but this can vary between insurers, so please speak to an expert.
Does family medical insurance replace the NHS services?
Family medical insurance works alongside the NHS and does not replace any emergency services, so you can continue to use the NHS even if you have a family medical insurance policy.
Emergency care
NHS emergency services remain fully available to your family at all times alongside your family medical insurance policy.
Works alongside
Choose your hospital and consultant with family medical insurance, giving your family greater flexibility and control over the care you receive.
Faster access
Get quicker access to planned treatments and consultations with family medical insurance, helping your family avoid long NHS waiting times.
Your choice
Choose your hospital and consultant with family medical insurance, giving your family greater flexibility and control over the care you receive.
How much does family medical insurance cost?
The cost of family medical insurance can vary between families and insurers. Premiums are usually based on the following factors:
- Number of family members needing cover
- Each individual's circumstances
- The level of benefits / cover you would like to have
- Each individual's health
- Each individual's lifestyle
Is a family medical insurance policy cheaper than separate policies?
Having a family medical insurance policy that covers the whole family can often be cheaper than taking out separate policies.
Please note this may vary between insurers.
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Free Service, with No Obligation
We make applying for family medical insurance simple. Our service is completely free and there's no obligation to buy. You’re free to get your quote, take your time, and decide if it’s right for you — no pressure, no hidden costs.
Smart Matching, Not Just Comparing
We don’t just throw quotes at you and leave you to figure it out. Instead, we take the time to understand your family’s medical needs and match you with a trusted UK insurer — so you’re not overwhelmed with options that don’t actually fit.
Cover That Gives You Confidence
With our trusted expert partners, you can have peace of mind knowing you’ve been connected to a reliable UK insurer — and that you’ve chosen a policy that suits your family’s needs, should something happen.
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