Best Family Health Insurance UK > Compare Top Insurers

who are the best family health insurance providers?

The main family health insurance providers in the UK are:

  • bupa
  • enliven
  • axa ppp
  • vitality
  • freedom
  • the exeter
  • wpa
  • of course, there are other insurers, but these are the ones that offer the most complete range of products and, more importantly, the ones that consistently perform well in terms of customer satisfaction.

    Reading: Which health insurance is best for family

    what is family health insurance?

    Family Health Insurance, often referred to as Private Health Insurance (PMI), gives you and your loved ones access to the UK’s private health care services. By paying a monthly premium, your family will be covered for a wide variety of illnesses that require hospital treatment. You can choose between an entry-level policy that will cover you and your family for inpatient treatment only, or opt for a more comprehensive one where outpatient treatment and even diagnosis will be done privately. Since there are many providers and many ways to set up your family’s health insurance, it’s always worth comparing quotes and talking to an expert to make sure you get the insurance that’s right for you. In fact, even if you already have a family health insurance policy, you should review it each year with a broker to make sure you’re always getting the best deal.

    In this guide, we explain everything you need to know about family health insurance, as well as answer some of the most common questions we get asked.

    what are the benefits of family health insurance?

    The main benefit of family health insurance is that you and your family will be able to access private healthcare services in the UK. but what exactly does that mean and what can you expect?

    family health insurance benefits

    • Your family will be cared for at a time that suits you
    • you will avoid potentially long delays on nhs waiting lists
    • You and your loved ones will have access to the latest treatments and medicines, even those not currently available on the nhs.
    • You will be entitled to overnight accommodation if your children (who are covered by the policy) are admitted for hospital treatment.
    • With a comprehensive policy, your family will benefit from often faster diagnosis and private outpatient treatments.
    • Finally, you will have peace of mind knowing that if a member of your family becomes ill, they will receive a high level of care.
    • what does family health insurance cover?

      Family health insurance will only cover the cost of acute conditions, meaning those that are short-term and curable, not long-term chronic conditions. as each provider, their policies and coverages are different, it is always better to speak with one of our specialists and get free advice on which provider is best for you before making a decision. all lead is extremely helpful.

      hospitalization coverage

      All family health insurance policies will cover the cost of treatment when an overnight hospital bed is needed. Basic health insurance policies often only offer inpatient coverage, while more comprehensive policies also cover outpatient services.

      outpatient coverage

      Outpatient coverage pays some or all of the costs related to acute conditions that do not require a hospital bed. the most comprehensive policies will generally cover all of your outpatient diagnoses, consultations, and treatments as well.

      What does family private health insurance not cover?

      What’s not included in your family’s health insurance will vary between providers and their policies, but you’ll consistently find that the following typically won’t be covered:

      • pre-existing conditions
      • chronic conditions
      • gp services
      • emergency services
      • normal pregnancy
      • If you’re not sure whether or not a certain condition would be covered, be sure to mention it to your advisor when you speak to us, or alternatively raise it with your insurer or consult your policy documentation.

        how much does family health insurance cost in the uk?

        There are many factors that will affect the cost of your family’s health insurance, from your age and medical history to the level of coverage chosen and the list of hospitals. Generally speaking, a family of four, with two adults and two children under the age of ten, can expect to pay between £800 and £2,000 per year. As you age, your premiums will go up, but it’s always worth checking when your health insurance is up for renewal to see if another provider might be able to offer you a better deal.

        reduce the cost of family health insurance

        There are several ways you can lower the cost of your family health insurance, and not all of them will result in a lower level of coverage. First of all, you need to consider how much coverage you really need, if for example you have dental coverage included, but you want to reduce the cost, it may be a luxury you don’t need. Similarly, if you are primarily interested in having coverage for serious illnesses that will likely require a hospital stay, you may decide that outpatient coverage exceeds your family’s requirements.

        Next, you may want to consider increasing your deductible, which is the amount you must pay for each claim. It’s often the case that increasing your excess can substantially reduce the cost of the policy, just make sure you don’t increase it too much, to keep it affordable.

        See also: Lotus Elise insurance group & average cost | Finder UK

        There are also more ways to lower the cost of your family’s health insurance, but most of them revolve around talking to a health insurance broker. Working with a specialized health insurance broker ensures that your family’s needs are considered from a medical and budgetary perspective.

        how to choose the right family health policy

        When choosing the best private health policy for your family, there are several key considerations to keep in mind:

        need access to faster diagnosis?

        Outpatient consultations and diagnostics are not usually included in basic policies, so if you want to avoid potential delays in assessment through the nhs, it might be best to consider a more comprehensive policy.

        better or more convenient hospitals and treatments

        Each provider and policy will have a different list of available hospitals and treatments, so it’s important to consider them when choosing your policy. for example, you’ll probably want to make sure local private hospitals are included.

        coverage of specific diseases or medications

        Are there certain diseases to which your family is more predisposed? if so, you’ll want to make sure they’re covered on your policy. likewise, if you want access to the latest medications, you’ll need to make sure they’re included.

        affordability today and tomorrow

        It’s always important to make sure your health insurance is affordable, not just today, but well into the future. Since premiums typically rise each year as you and your family age, the last thing you want is for your health insurance to become unaffordable.

        top 7 health insurance providers for families

        While there are of course over 7 providers in the market and our advisors are always looking at all the options available to you, these insurers have established themselves as market leaders for a number of reasons. When determining which providers are best for families, we take a number of factors into consideration:

        1. Customer Feedback & Satisfaction: Possibly the most revealing way to judge a vendor’s service is to look at their customer satisfaction ratings. Since each of the insurers we’ve included in this guide has thousands of customers and reviews, it’s pretty quick and easy to compare them, helping us all make informed decisions.
          1. product integrity: Getting the right policy often comes down to being able to tailor it specifically to your family’s needs. The wider the range of services available and the more flexible the insurer, the more likely we are to be able to set up a family medical policy that is the perfect fit for you and your loved ones.
            1. Price and Competitiveness: With family health insurance typically costing £800 per year or more, it’s incredibly important that the policy you buy is competitive and affordable. If you consider that your premiums are likely to increase as you and your family age, choosing the best price is even more important.
              1. defaqto rating: defaqto ratings are an independent and unbiased assessment of the quality of the product being offered. The rating instantly gives you an idea of ​​the comparable level of coverage provided by each of the insurers. as we are here looking for the best family health insurance in the uk we are only interested in the best products from this provider so if you are looking for more than just a comprehensive policy then ask for a quote and speak to one of our advisers.
              2. review of the best family health insurance companies

                here we review the best family health insurance providers and give you a summary of why each of them made it to our list. For a more detailed look, visit the independent guides we’ve written for some of the providers, or request a quote and speak with an independent broker who can help you find the right company for your family.

                bupa

                bupa is synonymous with health insurance and with more than 17 million customers worldwide, it’s easy to see why. bupa currently has an excellent trustpilot score of 4.3 out of 5, which is even more impressive as it is based on over 9,500 reviews. For a company of Bupa’s size, with the number of clients they serve, providing such a high and consistent level of service sets them apart. Next, let’s take a look at their de facto rating for their gold standard comprehensive product, “Bupa By You Complete.” We are pleased to report that for 2022, Bupa received a 5-star rating for its most complete product, confirming our belief that it is one of the best products available for families and individuals.

                The best thing about bupa’s offer is that it is flexible and can be configured according to your personal requirements. Not only that, but on the affordability note, they offer a 10% discount for families who take out a joint policy, rather than individual.

                enliven

                aviva is the uk’s largest insurer and, again, a household name. With a wider range of services, chances are you’ve had an aviva policy of some description at one time or another, so hopefully you’ll have some first-hand experience with them. That said, the service provided with a health insurance policy is often more personal than, say, a home insurance policy, so let’s dig into some stats to see how and why Aviva is on our shortlist.

                aviva currently enjoys a trustpilot score of 4.5 out of 5 from over 7,000 reviews. However, it must be said that these are not specifically for health insurance, but it should give you some confidence that the company as a whole performs as well. Aviva’s Healthiest Solutions product, its most comprehensive offering, earns top five-star defaqto ratings.

                aviva has also received a number of recent awards for its health insurance, it is a key part of its portfolio and we have no hesitation in recommending it to our clients.

                axa ppp

                See also: Accidents Of History Created U.S. Health System : NPR

                axa ppp is another well-known name that has provided a wide range of insurance services to consumers and businesses for many years. Based on over 7,000 reviews on feefo, axa ppp scored an impressive 4.7 out of 5, which really is quite a feat given the number of clients they serve. Reading through some of the reviews, it’s easy to see that the personal service and attention each and every one of their health insurance customers receives is second to none.

                axa’s flagship health insurance product, “axa personal health”, received a defaqto five-star rating in 2022, cementing its place as one of the best health insurance providers for families, individuals and businesses. Although we are independent, we often find that Axa’s health insurance policies are a better fit for the families we talk to than some of the other providers. The feedback we’ve received from clients we’ve placed with axa has been excellent and their prices are always very interesting as well.

                vitality

                Vibrancy stands out for more reasons than just catchy branding and bright colors. His innovative approach to health and life insurance, which rewards people for living healthier lives, has been nothing short of revolutionary in the marketplace. in fact, many providers have now followed suit and started offering various additional benefits and perks both to buy a policy with them and to be as healthy as possible.

                vitality currently has a trustpilot score of 4.3 out of 5 which you might think puts them on par with bupa and aviva but more importantly vitality has that score over 3 times as much reviews. yes, they have racked up over 22,000 customer reviews! Providing such a consistent and high level of customer service to so many customers is no small feat and we applaud Vitality for its commitment to quality.

                vitality’s flagship health insurance product, personal health care, earns a five-star rating, further confirming its rightful place on our shortlist. vitality tends to be a particularly good option for families who like to stay active, want a few extra perks like discounted gym memberships, and even those who like a few free gadgets here and there. We have placed many vital families over the years and they have all been happy with the service and indeed the price they have received.

                the exeter

                exeter is perhaps a lesser known name on our list of best insurers, but they deserve their place and hundreds of satisfied customers to prove it. They’ve only been collecting reviews on trustpilot for a short time compared to the other insurers in this guide, but have still received over 450 reviews with a combined score of 4.5 out of 5.

                Most importantly, Exeter’s comprehensive family health insurance product, Health+, earns a five-star rating, confirming its place among the other big hits on this list. Similar to the other companies we have discussed, Exeter allows you and your family to extensively customize your policy to fit your exact requirements.

                In terms of price, the exeters are always competitive and are one of the providers that appear at the top of our searches on a regular basis.

                wpa

                again, a lesser known provider but with thousands of customers across the uk, wpa is perhaps the only provider that gives you the widest scope to customize your policy. in fact, they even allow you to cover extended family, that is, those who do not live with you if you wish. wpa scores highly on trustpilot with an impressive 4.8 out of 5, albeit from a relatively small number of reviews (751).

                Where your product differs from the others we’ve mentioned so far on this list is that in 2022 it only received a default rating of 4 stars, not 5. That doesn’t make it bad, no, it’s been deemed not to be as comprehensive. like some of the other products out there.

                We highly appreciate the flexibility of wpa’s offering and its price is also always very attractive, so while its defaqto rating may not be as high as some of the others, they shouldn’t be completely ignored.

                freedom medical insurance

                freedom insurance is the final provider on our list and is here because it specializes only in health insurance and does not offer any other products. when looking for liberty reviews, they are actually quite scarce. yes they have odd 30 in feefo but that pales in comparison to the others we’ve mentioned. From discussions with the liberty, we understand that they only recently started collecting reviews and that they intend to post more customer reviews as quickly as possible.

                just like wpa’s comprehensive policy, freedom’s “elite” family health insurance has a good rating of 4 stars by default. yes, again, this isn’t as strong as some of the other providers, but it’s still extremely respectable, especially when you consider that they’re one of the smaller providers on this list.

                why it’s worth talking to a broker

                We hope you have found this article helpful in narrowing down the providers you may use for your family’s health care. While you can of course contact each of the providers individually and get quotes from them, it usually makes more sense to talk to a health insurance broker, as they can help you set up the product and get you the best deal as soon as possible. fast possible. We regularly help families navigate the increasingly complex world of health insurance, so you can be sure you’ll be in good hands when you ask us for a quote. All of our advisors are fca-licensed and, more importantly, independent, so you’ll receive expert, unbiased advice. Not least, the service a broker provides is free to you, and you can often get a better deal going through a broker than going directly.

                See also: Explaining Health Care Reform: Questions About Health Insurance Subsidies | KFF