Absolutely. Health Insurance is designed to work alongside the NHS, enhancing your healthcare experience and providing additional support. While we’re fortunate to have access to a publicly funded health service that offers treatment at little to no cost, the NHS is experiencing growing strain, leading to longer waiting times and increased instances of delayed or cancelled treatments.

The cost of family health insurance depends on several key factors, which fall into two main categories:

• Personal Circumstances: Including your location, age, and current health status.
• Level of Coverage: Determined by the options you select, such as the extent of outpatient cover or additional benefits.

Because these factors can influence premiums significantly, the best way to get an accurate, no-obligation quote is to fill our online form.

Family Medical Insurance usually covers a range of healthcare needs, including inpatient and outpatient treatments, specialist consultations, diagnostic tests, hospital stays, and surgery. Many policies also offer added benefits like mental health support and wellness programs. Coverage details vary by plan, so it’s important to speak to a specialist to review the policy to see what’s included

The criteria for defining a dependent child on a family health insurance policy can vary depending on the insurer. Some providers consider any child living at home a dependent, while others set a maximum age limit, typically around 21 years. In some cases, children up to 24 years old can still be covered as dependents if they are in full-time education. It’s essential to review these terms carefully, as they can significantly impact the overall value and suitability of your plan.

Most policies allow you to add newborns to your coverage immediately from their date of birth, typically without the need for medical underwriting.

Long NHS waiting times and delays in procedures are often what prompt people to explore Health Insurance options. However, coverage for existing conditions varies depending on your plan and can be unlikely. If you have a pre-existing condition, it’s best to speak with your policy advisers. They can guide you through the available underwriting options and help find the right solution for your specific needs.

Cancer cover is usually included within the core cover of all policies. Health Insurance gives you the peace of mind that should one of your family be affected by the disease you can have access to some of the best cancer care and superior comfort and choice throughout treatment. It is important to compare cancer cover between policies as what is included within the core cover can vary. 

However, most policies will include the following:  

• radiotherapy  

• chemotherapy   

• surgery   

• consultants’ fees   

• out-patient treatment  

• home nursing   

• cash benefits if treated by the NHS 

Health Insurance is not intended for covering emergencies or chronic conditions. Chronic conditions are long term illnesses which you won’t recover from, such as asthma or arthritis. Typical things which are not regularly covered by a health insurance policy are:   

• Pre-existing conditions 

• Emergency treatment  

• Treatment for Alcoholism or Substance addiction 

• Chronic/long-term conditions 

• Cosmetic surgery 

• Gender reassignment 

• HIV/AIDS 

• Fertility treatment  

• Pregnancy and childbirth costs 

• Organ transplants

You can during the ‘cooling off period,’ something that all insurers have. This usually lasts between 14 and 30 days, allowing you to cancel your policy and any monies debited will be fully refunded. Should you wish to cancel outside of the 'cooling off period', you will need to notify your insurer.

At Compare Health, we’re all about helping you get the best private health insurance cover at the best possible price. We’ve helped thousands of people, with our partners searching the leading UK providers to find the most comprehensive cover at the most competitive price.

There’s no cost to you for using our service, and you’re under no obligation to take out a policy. Our partners compare the leading UK providers to find the best cover based on your personalised requirements.