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Family health insurance

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Call us on 0800 111 4004*

Take care of your family with our healthcare cover

Resilience stress management
We’ll be here to hold your hand

With our Personal Health insurance plan, we’re here for your family day and night, just as you’re there for your loved ones. We'll help you protect your family, and keep everyone well, by supporting you whenever you need us.

Free cover for new arrivals

When your baby arrives, you’ll feel reassured to know your little one has cover on your health insurance plan too – there may be some restrictions however. Just give us a quick call to share your news and cover for your new-born will be free until your renewal date (limits to cover may apply).

Extra cancer cover
A helping hand in the early days

Being a new parent is a joyful but daunting time. Even if you’ve had a baby before, it can be hard to know if everything’s as it should be. With family health insurance you’ll access to a team of fully trained midwives to call when you need reassurance.** They’ll check how everything’s going with you and your baby, and help you adjust to your vital new role (routine childbirth and pregnancy not covered)

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Cover for your young ones

Children have unique concerns. Things like prominent ears or a birthmark on their face could really affect their confidence. With family cover you could get things like these addressed. (For children 14 and under only, subject to no planned or pending treatment).

Hospital bed
Accommodation when your child’s in hospital

Being away from home can be a worrying time for children, especially when their stay is in hospital. We make it easier for you to be near your child while they receive treatment covered by your health insurance. We’ll pay for one parent to stay with them in hospital, and up to £100 a night towards accommodation for another in a nearby hotel (up to £500 a year).

Answers when you need them

We understand that you want answers you can trust as quickly as possible. So we give you easy access to a wealth of health information online. Our knowledgeable team are available 24/7, so if you ever have a question regarding you or your family’s health, they’ll be there to help. They can even send you written information and give you a follow-up call if you have any further questions. 

get a quote
Call us on 0800 111 4004*

What's not covered?

Here are the main things that aren’t covered as standard in our family health insurance:

  • Pregnancy and childbirth
  • Charges for treatment received in a facility not in our Directory of Hospitals, unless you have our Extended Cover option
  • Treatment needed as a result of doing any sport for which you are paid, receive a grant or sponsorship, or are competing for prize money.
  • Treatment of ongoing, recurring and long-term conditions, such as diabetes or asthma (we call these chronic conditions)
  • Treatment of medical conditions you had – or had symptoms of – before you joined


These also aren’t covered, unless you take out the relevant options:

  • Dentist and Optician fees – choosing the Dentist and Optician CashBack option gives you money back towards the costs charged by your dentist or optician
  • Out-patient diagnostic tests and out-patient specialist consultations – you can add one of these options and be covered for out-patient specialist consultations, diagnostic tests and practitioner charges
  • Psychiatric treatment – choosing the Mental health option covers you for treatment with psychiatrists, psychologists and cognitive behavioural therapists (subject to medical history)
  • Therapies option – add this option and you’ll be covered for treatment with physiotherapists, acupuncturists, osteopaths and chiropractors
get a quote
call us on 0800 111 4004*

Build your ideal cover

Your family health insurance starts with our Personal Health plan. You then just choose the options you’d like so you’re not paying for cover you don’t need.

Lowering the cost

If you want greater control over the cost of your plan, you can add an excess, include our Guided option or do both.

Defaqto - 5 Star Rating

We’re proud that our Personal Health plan has been rated 5 Stars by independent financial information business, Defaqto.

The Defaqto 5 Star Rating is based on an assessment of the overall product including all options. If some of the options are not selected, this will affect the product’s Star Rating.


*Lines open 09.00 - 19.00 Mon - Fri. Closed Sat - Sun. Telephone calls may be recorded and/or monitored for quality assurance, training and as a record of our conversation

**Counsellors are also available 24/7 and pharmacists and midwives from 8am to 8pm Monday to Friday, until 4pm on Saturday, and until 12pm on Sunday.